Forgivable loan
City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium)
First-time homebuyers · Income limits · Single Family
Down payment assistance · Ohio County
Buying a home in Wheeling, WV
2 Wheeling programs and 6 statewide.Wheeling has 2 programs of its own, and 6 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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Wheeling’s own programs
Forgivable loan
HOME Investment Partnership Program - FTHB Program
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD. Per first-mortgage overlays.
The Wheeling marketThe Wheeling housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Wheeling
- 62% single-familysingle-family
- 7.3% townhousetownhouse
- 12.4% 2–4 units2–4 units
- 17.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
Condos count. 1 of Wheeling’s 2 local and county programs accept condos. City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Wheeling’s homes were built
pre-19401970s2020+
83.8%
of Wheeling 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.
$78,900
County area median income, 4 people (HUD)HUD area median income, Ohio County, 4-person household (2026)
$48,590
Wheeling median household incomeMedian household income in Wheeling (Census, 2024)
10 of the 70 programs here set their income limit as a share of Ohio County’s area median income, adjusted for household size. See the published limits for Ohio County
Free help nearbyFree help near Wheeling
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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 West Virginia and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Wheeling questions
Does Wheeling have its own down payment program?
Yes, 2: City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium) and HOME Investment Partnership Program - FTHB Program. Each is for homes inside Wheeling.
Can I use assistance on a condo in Wheeling?
1 of Wheeling’s 2 local and county programs accept condos. City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium) 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 Ohio County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Ohio 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 Wheeling?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
26003
Nearby in Ohio
Sources
Sources: agency sites (June–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 (June–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.