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Deferred second loan · New construction · Income limits
Down payment assistance · Pierce County
Buying a home in Gig Harbor, WA
2 county programs and 9 statewide.Gig Harbor has no program of its own, 2 across Pierce County, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Gig Harbor
No program of Gig Harbor’s own yet
No program run for Gig Harbor alone is listed. A home in Gig Harbor can use Pierce County’s programs below, plus the Washington statewide and federal ones.
The closest city that runs its own program is Seattle, about 22 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in PierceAnywhere in Pierce County
2 county programs2 county programs a Gig Harbor homebuyer can use
The Gig Harbor marketThe Gig Harbor housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Gig Harbor
- 59.5% single-familysingle-family
- 9.5% townhousetownhouse
- 6.3% 2–4 units2–4 units
- 21.8% 5+ unitscondo & apartment buildings (5+ units)
- 3% mobile & othermobile home & other
Condos count. All 2 of Gig Harbor’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Gig Harbor’s homes were built
pre-19401970s2020+
23.8%
of Gig Harbor homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$127,300
County area median income, 4 people (HUD)HUD area median income, Pierce County, 4-person household (2026)
$118,395
Gig Harbor median household incomeMedian household income in Gig Harbor (Census, 2024)
16 of the 73 programs here set their income limit as a share of Pierce County’s area median income, adjusted for household size. See the published limits for Pierce County
Free help nearbyFree help near Gig Harbor
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Washington and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Gig Harbor questions
Does Gig Harbor have its own down payment program?
No program run for Gig Harbor alone is listed. A home in Gig Harbor can use the 2 programs that cover Pierce County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Gig Harbor?
All 2 of Gig Harbor’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Pierce County?
Each program sets its own. 16 of the programs here set theirs as a share of HUD’s area median income for Pierce County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Gig Harbor?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Gig Harbor. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
98329 · 98332 · 98335
Nearby in Pierce
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.