Housing Programs

The City has received various federal and state grants to assist homeowners and our neighborhoods. Please see below for a short description of each program and click on the program for more information.

Community Development Block Grant (CDBG) Program

The Community Development Block Grant (CDBG) program is administered nationally by the U. S. Department of Housing and Urban Development (HUD). Funding is provided annually to cities and counties for activities designed to address the objectives of the program to provide decent and safe housing, a suitable living environment, and expanding economic opportunities.

Beneficiaries of the program must be low and moderate income households (defined as a family whose annual income does not exceed 80% of the area median income).

As required by the CDBG program, the City is required to submit a multi-year Consolidated Plan and an annual Action Plan. These plans describe how CDBG funds will be used to meet national community development objectives and eligible local community development needs. The Consolidated Plan summarizes community development goals and the Action Plan explains specific actions for the upcoming fiscal year.

Assessment of Fair Housing (AFH)

Consistent with Federal Regulations and the City of Palm Coast Community Development Block Grant (CDBG) Program Citizens Participation Plan (CPP), the FFY 2022-2026 Consolidated Action Plan which includes the FFY 2022 Annual Action Plan is made available for public comment for 30-days from July 1, 2022 to August 1, 2022.

The proposed Consolidated Action Plan is a document to assist the City in assessing affordable housing and community development needs and market conditions, and to make data-driven, place-based investment decisions. The Annual Action Plan (which is within the Consolidated Action Plan) highlights the proposed activities to be undertaken using CDBG funds.


CDBG Housing Programs

The application period for Fiscal Year '21/22 CDBG program has closed.

Purpose of the CDBG Housing program is to help meet the housing needs of the very low, low and moderate-income households; to expand production of and preserve affordable housing; and to further the housing element of the local government comprehensive plan specific to affordable housing. We have multiple housing programs to accomplish these needs such as Housing Rehabilitation Program, First-time Homebuyers Program, and Joint City-County SHIP Program.

The City manages a Federal Community Development Block Grant (CDBG) to renovate home owner occupied housing that are in need of repairs to bring the home back up to minimum standards. The Annual CDBG Housing Rehabilitation Application Workshop will be held on Saturday, October 22, 2022 at 10:00 am at the Community Center located Palm Coast Parkway. For more information, Applications will be available at the workshop and available online starting October 29th.

Application will start being accepted on November 1st. Application submittal is via email or by appointment with our income qualifiers.

For more information or to schedule an application intake please contact the City of Palm Coast Community Development Planning Division at 386-986-3736 or Jgonzalez@palmcoastgov.com.

The City has a first-time homebuyer program that may provide up to $35,000 in financial assistance. Income eligibility limits apply in order to qualify for this program.

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CDBG Housing Form

During 2008, the City of Palm Coast became a CDBG entitlement city. An Interlocal Agreement has been established between the City of Palm Coast and Flagler County for the county to be solely responsible for the administration and implementation of any State Housing Initiatives Partnership (SHIP) funds dedicated to the City of Palm Coast with effect from July 1, 2009.

The SHIP program provides funds to local governments as an incentive to create partnerships that produce and preserve affordable homeownership and multi-family housing. The program is designed to serve very-low- to moderate-income families. For more information on funding availability and application process, please visit http://www.flaglercounty.org/departments/social_services/state_housing_initiatives_partnerships_(ship)/index.php or contact Devrie Paradowski at dparadowski@flaglercounty.org or (386) 313-4037.

The City's Housing Programs strives to contract with minority, women, and Florida veteran business enterprises. The City utilizes the list of certified business enterprises maintained by the Florida Department of Management Services. For more information to obtain certification, please visit: http://osd.dms.myflorida.com/directories.