Wilson County · Homeownership for Heroes
Buying your first home 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.
Getting to know Wilson County as a buyer
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.
The caps in Wilson County
| Cap for 1–2 people | Cap for 3 or more | Highest price allowed |
|---|---|---|
| $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. Compare with every county's caps, or run your own budget.
More help that's specific to Wilson County
We couldn't find a current program just for Wilson County. The statewide ones still work here, so take a look at the full Tennessee list.
Homebuyer class options near Wilson County
Plan on a homebuyer class; almost every assistance program makes you take one before the closing date. Here is who near Wilson County is HUD-approved to teach it or sit down with you one on one:
| Agency | Office in | Miles away | Help offered | Spoken in | Ways to attend |
|---|---|---|---|---|---|
| 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 |
Pulled from HUD's housing counseling agency list. Programs don't all accept the same classes.
Who in Wilson County can use it
A few of the local employers whose people qualify:
- 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. All the jobs that count
Questions folks ask about Wilson County
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.
Nearby and elsewhere: Shelby County · Davidson County · Knox County · Hamilton County · Rutherford County · Williamson County · Montgomery County · Sumner County · Every county
