Home buyers in Philadelphia is known around the world as a center of American history, but the city also offers vibrant culture, diverse neighborhoods, and many opportunities for residents to buy their first home. However, navigating the city’s complex housing market isn’t always easy for new buyers. For many, it’s a matter of finding the right real estate agent who understands local markets and can provide guidance for a successful home-buying experience.

Before you start shopping, you’ll want to get preapproved for a mortgage loan so you know how much you can afford to spend on your new home in Philadelphia. The specific amount you need to save will depend on the type of mortgage you choose, the cost of the home you’re interested in, and your financial profile, including your salary, savings and other debt (also known as your credit-to-income ratio).

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Another consideration for first-time Philly home buyers is zoning laws, which can limit how the property can be used. For example, the zoning of a property could prevent you from putting in a pool or building a large shed in the backyard. Luckily, most Philly neighborhoods have some form of zoning protection, so you’ll probably be able to find a neighborhood that fits your lifestyle.

For those who are interested in buying a single-family home in Philadelphia, the city’s Philly First Home program is available to help first-time homeowners. To apply, you’ll need to contact a city-funded homebuyer counseling agency or your lender. The Philly First Home grant subsidy is available until the funding is gone, so it’s important to apply as soon as possible.