Affordable Housing - Grants & Loans

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Grants-in-Aid (GIA)

The Grants-in-Aid program provides financial support to non-profit organizations that promote the economic and social well-being of the citizens of San Luis Obispo. Organizations may apply if they are a non-profit organization and are located in San Luis Obispo, or are located in a neighboring city and serve a significant number of City residents. 

Program requests for funding must be tied explicitly to at least one funding priority and be compliant with HRC's Statement of Purpose.  Funding priorities will be decided on October 2, 2019.  Previous funding priorities included: homeless prevention including supportive services and transitional housing, hunger and malnutrition prevention, supportive physical and mental health services, services for seniors and/or people with disabilities, and supportive services for youth and their development, especially targeted to youth at risk. 

For important dates regarding the 2020-21 GIA and CDBG program cycles, please see the Grant Timeline.

Applications for 2020-21 Grants-in-Aid program year will be available on December 2, 2019.  


Community Needs Workshop

The City's Community Needs Workshop provides an overview of both GIA and CDBG programs and allows for public comment on community development and human services needs. This public hearing allows the Human Relations Commission to review and update funding priorities to recommend to the City Council. The 2019 Community Needs Workshop is scheduled for Wednesday, October 2, 2019 at 5:00 pm in the Council Chamber located inside City Hall at 990 Palm Street.


Community Development Block Grant (CDBG)

The Community Development Block Grant Program is an annual, flexible program providing communities with resources to address a wide range of unique community development needs. The program works to ensure decent, affordable housing; to provide services for members of our community; and to create jobs through expansion and retention of businesses. 

CDBG grants are awarded by the US Department of Housing and Urban Development (HUD) and provide funds for projects and programs that benefit low- and moderate-income households, businesses and community-based organizations. Applications for the 2019 Funding Year are available online and at the Community Development Department (919 Palm Street). The application deadline for the 2020 Block Grant year is October 25, 2019

 Link to 2020 CDBG Application on ZoomGrants 

Program Overview

CDBG activities must, by law, meet federal objectives and rules. HUD has three broad national objectives:

  1. To benefit persons and households with incomes below 80 percent of area median incomes;

  2. To aid in the prevention or elimination of slums or blight; and

  3. To meet urgent community development needs that pose a serious, immediate threat to public health or welfare, such as floods, earthquakes or other disasters.

CDBG-eligible activities include: acquisition of real property for affordable housing, construction or rehabilitation of certain public facilities, site/building clearance and demolition to support affordable housing, provision of certain types of public services, removal of architectural barriers for the disabled, housing rehabilitation, historic preservation, code enforcement, special economic development activities, planning studies and grant administration.

Prevailing Wage and Other Federal Requirements

Applicants for CDBG funding need to be aware that most projects that receiving CDBG funds are subject to prevailing wage requirements under Davis-Bacon and Related Acts (DBRA)When applications are made to the City, the cost estimates provided should be based on prevailing wages to insure that grant sub-recipients are budgeting sufficient total funds to complete the proposed project.

When a sub-recipient receives a CDBG grant through the City of San Luis Obispo, they are required to insure that the project is carried out in a manner that complies with all Federal regulations, including DBRA. For technical assistance, please contact Tony Navarro, County Planner, at

The following links and resources are provided to improve current and prospective grant sub-recipient's understanding of DBRA requirements:

In addition to DBRA requirements, there are Federal procurement requirements for CDBG grants (24 CFR 85.36). This section of the regulations includes preferences for contracting with small and minority firms, women's business enterprise and labor surplus area firms. More information on procurement requirements can be found by following the link below:


Habitat for Humanity

Habitat for Humanity for San Luis Obispo County is offering two opportunities to assist low- and moderate-income homeowners to maintain, repair, and preserve their homes

Home Preservation Program 

Habitat's Home Preservation Program provides painting, landscaping, and minor repair services for low-income homeowners in need. The program is part of Habitat's broader neighborhood revitalization strategy which enhances the appearance of the neighborhood and strengthens connections within the community. Applications are available here.

Home Rehabilitation Program 

Applications are now available for Habitat's Home Rehabilitation Program, which provides interest free loans to low- to moderate-income households to assist with home rehabilitation projects. Homeowners must be willing to complete sweat equity labor towards the rehabilitation of their homes. Loans for the home rehabilitation will be capped at approximately $45,000.  Spanish applications also available.

For more information regarding these Habitat for Humanity Programs, please call (805) 782-0687 or email


Affordable Housing Fund (AHF) 

The City's Affordable Housing Fund (AHF) was established in 1999 through the adoption of the City’s Inclusionary Housing Ordinance. The ordinance allows for a fee to be paid “in-lieu” of the provision of required affordable housing units and the funds are placed in the AHF. The City then uses those fees in a variety of ways to make more affordable housing available in the community. These funds are awarded at the City Council’s sole discretion, based on previously adopted criteria. Requests for AHF support are evaluated by staff and forwarded to the City Council for consideration. All funding requests should be submitted to Cara Vereschagin at



For more information regarding City grant programs, contact Cara Vereschagin with the Community Development Department at (805) 781-7596 or via e-mail at

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