Homeownership for Heroes · Wilson County
First-time homebuyer help in Wilson County, Tennessee
Wilson County, about 175,000 residents, uses THDA's highest income limit. Lebanon is the seat; Mt. Juliet is the largest draw for buyers.
Buying a first home in Wilson County
Two public systems serve the county: Wilson County Schools and Lebanon Special School District. Full-time K-12 teachers in either qualify.
Mt. Juliet Police, Lebanon Police and the Wilson County Sheriff's Office are the main law enforcement employers. Watertown buyers fall under the same county limit.
With high income limits and a $500,000 cap, the main question here is which down payment option fits. The 5% option tops out at $15,000 and is repaid monthly; the $6,000 and $10,000 options are forgivable after 10 years.
Wilson County income and price limits
| Income, 1–2 people | Income, 3+ people | Purchase price limit |
|---|---|---|
| $139,320 | $162,540 | $500,000 |
Wilson County's limit is $139,320 for a household of 1-2 and $162,540 for 3 or more. See the statewide limits or estimate what you can afford.
Other down payment help in Wilson County
We did not find a current Wilson County-specific program. Statewide options still apply: see every program in Tennessee.
Homebuyer education near Wilson County
Most down payment programs require a homebuyer education class before closing. These HUD-approved agencies near Wilson County offer homebuyer classes or pre-purchase counseling:
| Agency | City | Distance | Services | Languages | Formats |
|---|---|---|---|---|---|
| You Can Make It Home Ownership Center, Inc. | Smyrna | 15 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
| Woodbine Community Organization | Nashville | 24 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
| Aaa Residential Resources, Inc. | Nashville | 25 mi | homebuyer education class, pre-purchase counseling | English | Phone |
Source: HUD housing counseling agency list. Not every class is accepted by every program.
Who can use the program in Wilson County
Eligible local employers include:
- Wilson County Schools
- Lebanon Special School District
- Mt. Juliet Police Department
- Lebanon Police Department
- Wilson County Sheriff's Office
Officers in Mt. Juliet or Lebanon qualify as local law enforcement currently employed in Tennessee. See every eligible role.
Wilson County questions
What's the Mt. Juliet income limit?
$139,320 (1-2) and $162,540 (3+).
Do Lebanon Special School District teachers qualify?
Yes, full-time K-12 teachers there qualify.
What does 5% get me on a $400,000 home?
5% would be $20,000, but that option caps at $15,000, so $15,000, repaid over 30 years.
Other areas: Shelby County, Davidson County, Knox County, Hamilton County, Rutherford County, Williamson County, Montgomery County, Sumner County. All counties.
