Emergency Repair & Rehabilitation Program
The City offers the Emergency Repair & Rehabilitation Program to support eligible homeowners who need immediate emergency repairs that are necessary to protect the health, safety or welfare of their household.
This assistance is funded through the State Housing Initiatives Partnership (SHIP) Program and is provided as a five-year, interest-free, deferred-payment forgivable loan.
The loan is secured by a lien on the property and is forgiven over the five-year term, provided the homeowner continues to meet the program requirements.
If the property is sold or transferred before the loan is fully forgiven, the prorated unforgiven loan balance must be repaid at closing.
If the property is refinanced and the homeowner receives cash proceeds, the homeowner must repay the prorated unforgiven loan balance.
What repairs qualify?
The program could assist with urgent repairs in the following categories:
- Roof repair or replacement because of an active leak, insurance requirements or structural stabilization needs
- Emergency plumbing work, including hot water heaters, identified as unsafe by a City inspector
- Emergency electrical work identified as unsafe by a City inspector
- HVAC system repair or replacement
- Exterior structural repairs needed to address conditions that threaten health, safety or welfare
Who may apply?
Applicants must meet all eligibility requirements established under the SHIP Program. These requirements include, but are not limited to:
- Household income criteria
- Verification of homeownership
- Property eligibility standards
- Additional SHIP Program qualification requirements
To qualify, a household’s total gross income must not exceed 80% of the Area Median Income (AMI) for the appropriate household size.
2026 Income Limits by Household Size (80% AMI)
- 1 house member — $57,350
- 2 house members — $65,550
- 3 house members — $73,750
- 4 house members — $81,900
- 5 house members — $88,500
- 6 house members — $95,050
- 7 house members — $101,600
- 8 house members — $108,150
Meeting the income guidelines does not guarantee approval. All applications are evaluated based on overall program eligibility, available funding and the City's application review process.
How to apply
The program will begin accepting pre‑applications on Oct. 14, 2026, at 8 a.m.
Apply Now
Reasonable accommodations are available upon request: If you are unable to submit a pre‑application online or need assistance with the process, please contact the Neighborhood Services Department Community Programs Division at 772-344‑4084 or email housing@cityofpsl.com.
Disclaimer: Program assistance is governed by the City’s approved Local Housing Assistance Plan (LHAP), SHIP regulations and all applicable City policies and procedures. The City reserves the right to determine whether a requested repair meets program eligibility standards. The City of Port St. Lucie’s Housing Assistance Programs do not discriminate based on race, color, religion, sex, handicap, familial status, national origin or any other protected class.