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Homeowner Rehabilitation Programs

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Phone
(209) 937-8539

Email
Economic Development

The Housing Division administers programs that create housing opportunities for Stockton residents with emergency repairs and neighborhood improvements.

Opportunity for Contractors

To assist those participating in these programs, the City of Stockton maintains a courtesy list of approved general contractors with a type "B" license, HVAC contractors C-20, Roofing contractors C-39, with expertise in home remodeling. Eligible contractors must provide the City with the following documents:

  • Valid City of Stockton Business License
  • One of the following valid licenses
    • Contractor's B License
    • HVAC C-20 License
    • Roofing C-39 License
  • Workers' Compensation Letter
  • Current Insurance Policy
  • Summary of experience with similar past projects

Please submit your application to be on the City's courtesy list

Financial Assistance for Single-Family Homeowners
Emergency Repair Program

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 Eligibility by Household Size
Household Size
(Number of Persons to Reside in Home)
Maximum Allowable Gross Annual Income
(Per Household)
1 $54,000
2 $61,700
3 $69,400
4 $77,100
5 $83,300
6 $89,450
7 $95,600
8 $101,800

*Income limits effective May 1, 2024

The City is now accepting applications for this program. 

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

Single Family Housing Repair Loan Program

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:
Income Eligibility by Household Size
Household Size
(Number of Persons to Reside in Home)
Maximum Allowable Gross Annual Income
(Per Household)
1 $54,000
2 $61,700
3 $69,400
4 $77,100
5 $83,300
6 $89,450
7 $95,600
8 $101,800


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.

Residential Neighborhood Reinvestment Program

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.

Last Update : 12/14/2023, 10:08:02 AM