Affordable Homeownership

Owning your own home shouldn’t be just a dream — and it may be closer than you think. Multiples agencies and nonprofits in Centre County and across Pennsylvania offer assistance to first-time home buyers and low-to-moderate-income families. Here are some programs that can help you reach your goal of homeownership.

Borough of State College

The State College Borough runs a First-Time Home Buyer Program that includes mortgage and closing cost assistance to both moderate and lower-income families as well as free home buyer education and budget counseling to help you every step of the way.

Habitat for Humanity of Greater Centre County

Habitat for Humanity of Greater Centre County constructs quality houses that are sold to homebuyer families through no-profit, no-interest loans. Home buyers complete 350 sweat-equity hours and other requirements, pay for their homes and all upkeep and maintain current payments on their properties.

Housing Transitions

Housing Transitions (HT) is an independent, nonprofit organization providing housing programs and supportive services to those in need throughout Centre County. HT offers multiple programs including emergency housing services, first-time home-buyer assistance, transitional housing and an emergency food pantry.

Pennsylvania Housing Finance Agency

The Pennsylvania Housing Finance Agency (PHFA) works to provide affordable homeownership and rental apartment options for senior adults, low- and moderate-income families and people with special housing needs. PHFA also promotes economic development across the state.

USDA Rural Development (formerly Farmers Home Administration)

USDA provides homeownership opportunities to rural Americans as well as home renovation and repair programs. USDA also provides financing to elderly, disabled or low-income rural residents in multi-unit housing complexes to ensure that they are able to make rent payments.

State College Community Land Trust

The State College Community Land Trust (SCCLT) assists individuals, couples and families to buy affordable homes in the State College Borough through a shared equity model — you lease the house but the land trust keeps ownership of the land it’s on.

Centre County Housing and Land Trust

The Centre County Housing and Land Trust (CCHLT) develops and preserves affordable homeownership opportunities through the stewardship of resale-restricted, owner-occupied housing in Centre County. CCHLT also offers financial counseling and homeownership education.

Centre County First-Time Home Buyer Program

Individuals and families buying a house in Centre County may qualify for down payment and closing cost assistance through the First-Time Home Buyer Program offered by the county’s commissioners and partner banks.

The Centre County Housing Authority strives to maintain
affordable housing options for the citizens of Centre County.
Our goal is to provide a secure, clean, and comfortable living
environment for all of our residents.

Right-To-Know Policy and Procedure

PHA 5-Year Plan

2023 Annual Plan 

2024 Annual Plan

Board Member Application


602 E. Howard St.
Bellefonte, PA 16823

Phone: (814) 355-6750
Fax: (814) 355-6908

Monday – Friday: 
8:00AM – 4:00PM

The next Housing Authority Board meeting will be held on Monday, March 11, 2024, at 12:00 p.m. 03.11.2024 Agenda

Elderly & Accessible Housing

Family Unification Program

Housing Choice Voucher Program

Project Based Vouchers

Tax Credit Project

Market Rent Properties