Building healthy communities goes beyond developing affordable rental housing and encouraging sustainable homeownership. Polk CDC makes financing easier with our home repair programs, as well as rental repair and business façade loan programs. We also at times have emergency single use grants. Our programs vary depending on available funding standards. Our goal is to help home owners maintain the safety, quality and affordability of their homes.

Home Repair Financing

Polk County homeowners may qualify for a low-interest loan or in some cases, financing through grants in order to make necessary repairs and accessibility upgrades to their homes! Polk CDC can also respond to emergency repairs on a case by case basis.

How does the Home Repair Program work?

The program offers low interest loans to help homeowners make qualified repairs and rehabilitation affordable through various programs.

Steps to determine minimum qualifications:

  1. Determine if gross annual income for household falls within the current federal standard for our Area Median Income. See chart below.
  2. Complete The Program Eligibility Questionnaire and submit. We will contact you with more information. If it appears you may be eligible, we will provide you with a full Program Eligibility Packet to complete and submit with verifying documentation.
  3. We will review your completed Program Eligibility Packet and determine the next step.
  4. If you qualify, a Rehabilitation Advisor will inspect your property to determine what qualifying repairs are needed as well as meet the program guidelines. Health, safety and accessibility are the priorities.
  5. You will request bids from contractors of your choice. We can help provide names of qualified contractors upon request.
  6. Your Rehabilitation Advisor will assist you throughout the construction process.

Housing Rehabilitation Income Limits for Polk County, Oregon, by Household Size (2019 subject to annual changes).

2019 Income Limit Area 2019 Income Limit Category Persons in Family
1 2 3 4 5 6 7 8
Salem, OR MSA Extremely Low Income Limits ($) 14,600 16,910 21,330 25,750 30,170 34,590 39,010 43,430
Very Low (50%) Income Limits ($) 24,300 27,800 31,250 34,700 37,500 40,300 43,050 45,850
Low (80%) Income Limits ($) 38,850 44,400 49,950 55,500 59,950 64,400 68,850 73,300

Basic Loan Requirements:

  • Home must be located in Polk County and must be in need of repair
  • Applicant must own or be buying property and must be in title
  • Owner must reside in dwelling being repaired
  • Property taxes must be current
  • Applicant must have sufficient equity and repayment ability

To see if you are eligible, complete an online inquiry here The Program Eligibility Questionnaire and submit.

For more information regarding the Home Repair Program please, contact Kimberly Lyell at 503-831-3173 or email

To view before and after photos, visit the Before and After Development section of the site. To see a list of qualified improvements, click here.