Home-Buy the American Dream (HBAD)
Shared-appreciation loan · Income limits
Down payment assistance · Dane County
Buying a home in Monona, WI
3 county programs and 10 statewide.Monona has no program of its own, 3 across Dane County, and 10 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 Monona
No program of Monona’s own yet
No program run for Monona alone is listed. A home in Monona can use Dane County’s programs below, plus the Wisconsin statewide and federal ones.
The closest city that runs its own program is Janesville, about 31 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in DaneAnywhere in Dane County
3 county programs3 county programs a Monona homebuyer can use
The Monona marketThe Monona housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Monona
- 56.1% single-familysingle-family
- 1.5% townhousetownhouse
- 7.2% 2–4 units2–4 units
- 35.2% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Monona’s homes were built
pre-19401970s2020+
68.2%
of Monona 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.
$135,300
County area median income, 4 people (HUD)HUD area median income, Dane County, 4-person household (2026)
$87,773
Monona median household incomeMedian household income in Monona (Census, 2024)
14 of the 75 programs here set their income limit as a share of Dane County’s area median income, adjusted for household size. See the published limits for Dane County
Free help nearbyFree help near Monona
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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 Wisconsin and nationwide
72 statewide & federal programs10 statewide programs, plus federal options
Monona questions
Does Monona have its own down payment program?
No program run for Monona alone is listed. A home in Monona can use the 3 programs that cover Dane County and the 10 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Monona?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Dane County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Dane 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 Monona?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Monona. Create a free account and take the 90-second match to see the ones near you.
Nearby in Dane
Sources
Sources: agency sites (July 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 (July 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.