Homeowner Rehabilitation Programs

The Emergency Repair Program provides one-time emergency repair assistance to low-income property owners. Repairs are limited to corrections of code violations listed in official documents issued by the City, the Fire Marshal, or the Health Officer stating the code violations present an imminent danger to life, limb, property, or safety of the public or occupants.

One criteria for meeting the eligibility requirement, is that household income cannot exceed 80% of median family income, as amended from time to time. See the income limits below:

*Income limits effective June 15, 2023

The City is now accepting applications for this program. 

Funds for the program are available on a first-come, first-serve basis. 

• Emergency Repair Program Fact Sheet    
• Programa para Reparos de Emergencia 

This program offers financial assistance to low-income homeowners for substantial interior and exterior repairs. This loan program helps bring the property up to California and local building code standards.

Eligible participants are limited to:

• owner-occupied, single-family homes, or
• two units on a lot with one of the units occupied by an eligible owner.
• Household income cannot exceed 80% of median family income, as amended from time to time. See below:

The property must be located within Stockton city limits. To determine if your home is within the City limits, please use the About Your Address webpage and enter your house number and street name.

Loans are provided at one percent (1%) simple interest, assumable by qualified low-income buyers or heirs, and due upon the sale of property or transfer of ownership.

• Single-Family Housing Repair Program- Guidelines and Application
• Prestamos de Reparación para Dueños de Casa

This reinvestment tool promotes neighborhood revitalization. Property owners may apply for this program when the City has imposed fines for non-compliance with municipal codes on residential properties. The program will allow forgiveness of certain liens for eligible properties.

Criteria for eligibility:

• Single-family residence
• Demonstrate cost of penalties prevents the rehabilitation
• Penalties must exceed $15,000
• Provide documentation verifying financial burden
• Improvements to the property must further objectives in the Economic Development Strategic Plan, Urban Land Institute Report, Council goals, or other related City plans
• Property must be brought into compliance
• Improvements will have significant positive effect on neighborhood
• Improvements must be completed in 12 months
• No Applicant is eligible who has caused, maintained, or allowed the violations, fines, fees or liens at the subject property

An application must be submitted to the Economic Development Department for review of eligibility with consultation and coordination with the Neighborhood Services Division.  If eligible, the applicant will proceed to negotiations with City staff and outline terms and amount to be forgiven.  City Manager approval is then required; City Council approval is required when lien totals exceed the current Council limit.  

Penalties will only be forgiven if the improvements are completed and inspection by the City is finalized.

• Residential Neighborhood Reinvestment Program - Brochure
• Residential Neighborhood Reinvestment Program - Guidelines