Forgivable loan
City of Racine Employee Homebuyer Assistance Program
Income limits · Single Family
Down payment assistance · Racine County
Buying a home in Racine, WI
1 Racine program and 10 statewide.Racine has 1 program of its own, 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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Only for Racine addresses
Racine’s own program
The Racine marketThe Racine housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Racine
- 65% single-familysingle-family
- 3.4% townhousetownhouse
- 16.2% 2–4 units2–4 units
- 14.5% 5+ unitscondo & apartment buildings (5+ units)
- 0.9% mobile & othermobile home & other
About condos. Racine’s one local program does not list condos as eligible. City of Racine Employee Homebuyer Assistance Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Racine’s homes were built
pre-19401970s2020+
87.4%
of Racine 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.
$104,300
County area median income, 4 people (HUD)HUD area median income, Racine County, 4-person household (2026)
$57,740
Racine median household incomeMedian household income in Racine (Census, 2024)
11 of the 73 programs here set their income limit as a share of Racine County’s area median income, adjusted for household size. See the published limits for Racine County
Free help nearbyFree help near Racine
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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
Racine questions
Does Racine have its own down payment program?
Yes, one: City of Racine Employee Homebuyer Assistance Program, a forgivable loan (forgiven over 7 yrs, income limits). It is for homes inside Racine.
Can I use assistance on a condo in Racine?
Racine’s one local program does not list condos as eligible. City of Racine Employee Homebuyer Assistance Program lists single family. 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 Racine County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Racine 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 Racine?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Racine. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
53401 · 53402 · 53403 · 53404 · 53405 · 53406 · 53407 · 53408 · 53490
Nearby in Racine
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.