About the Program
Emergency Repair helps homeowners with low or moderate incomes fix sudden problems in their homes. A repair qualifies when the problem happened without warning and puts the health or safety of the person applying at risk.
Who Can Apply
- You must own the home and live in it.
- You cannot have received help from the City through any of its housing programs in the past.
- Your household's yearly income must be no more than 50% of the area median income, as published by HUD.
How It Works
Each emergency repair is capped at $4,500, and the Division Manager must approve it. City staff inspect every request to confirm that the problem truly came up without warning.
Income Limits
The table below shows the 2025 CDBG and HOME income limits used by the program. Find your household size across the top, then compare your total yearly household income with each row.
| Income level (assistance type) | 1 person | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Extremely low, 30% (deferred payment loan) | $22,900 | $26,250 | $29,500 | $35,400 | $38,000 | $39,300 | $40,600 | $43,250 |
| Very low, 50% (DPL $28,000 at 0% combination) | $38,200 | $43,650 | $48,950 | $54,550 | $58,900 | $63,300 | $67,650 | $72,050 |
| Very low, 60% (DPL $14,000 at 1% combination) | $45,850 | $52,400 | $58,900 | $65,450 | $70,700 | $75,950 | $81,200 | $86,450 |
| Low, 80% (3% loan) | $61,100 | $69,850 | $78,600 | $87,300 | $94,300 | $101,300 | $108,250 | $115,250 |
What the City Handles
Housing and Neighborhood Services will:
- Confirm that the situation is a real emergency
- Write up the specifications for the repair work
- Collect bids from qualified contractors
- Oversee the work until it is finished
Applications for Emergency Repair can be submitted online.
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