Down payment assistance · Wisconsin
Buying a home in Winnebago County, WI
1 city with their own, plus 6 statewide and 62 nationwide.Winnebago has no program that covers the whole county and 1 city with a program of their own. On top of those, 6 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Only inside city limits
1 city with their own program1 Winnebago city with their own program
For a home inside that city.A city program is for a home inside that city.
The Winnebago marketThe Winnebago housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Winnebago
- 66.1% single-familysingle-family
- 3.6% townhousetownhouse
- 8.9% 2–4 units2–4 units
- 19.5% 5+ unitscondo & apartment buildings (5+ units)
- 1.9% mobile & othermobile home & other
About condos. None of the 1 county or city program here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Winnebago’s homes were built
57.3%
of Winnebago 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.
The two income figures measure different things. HUD’s area median income is the one programs use. 8 of the 69 programs here set their income limit as a share of Winnebago County’s area median income, adjusted for household size. See the published limits for Winnebago County
Free help in WinnebagoFree help in Winnebago
3 HUD-approved counseling agencies with an office in the county3 HUD-approved housing counseling agencies with an office in Winnebago County
Winnebago’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Sold on Oshkosh Down Payment Assistance Program asks 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.
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Winnebago County.
5 cities and placesA to Z
All cities in Winnebago CountyAll 5 cities and places in Winnebago County
has a program of its own
Winnebago questions
Can I use a county program anywhere in Winnebago?
No program here is listed as covering all of Winnebago County. City programs, like Oshkosh’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Winnebago County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Winnebago programs accept condos?
None of the 1 county or city program here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Winnebago?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies have an office in Winnebago County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.