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HOUSING UPDATES: Information coming soon.

The Housing Division administers several programs that help to improve, preserve and increase the supply of affordable housing in the City. It is the policy and intention of the City of Pacific Grove to comply in all of its policies and procedures affecting all of its programs and activities, including employment and housing, with all appropriate regulations prohibiting discrimination on the basis of race, color, sex, national origin, religion, sexual orientation, age, family status or persons with disabilities.

The Housing Division also applies for and receives grants for housing studies and programs, monitors compliance with City restrictions on affordable housing units, and coordinates the City's efforts to develop and maintain senior housing opportunities.

Housing Programs include: Housing Rehabilitation Loan Program, Sewer Loan Program, Emergency Home Repairs Loan Program, and the Affordable Housing Monitoring Program. Emergency Home Repair Program provides loans up to $10,000 for emergency home repairs. The Housing Rehabilitation Loan Program provides loans up to $60,000 for home repairs (Click here for Application). Sewer Lateral Loan Program provides low interest loan up to $10,000 to repair or replace your private sewer lateral. These loans are available to all residents and there are no income requirements. These loans are repayment deferred and no monthly payments are required.

Department of Housing and Urban Development (HUD) Income Guidelines for Housing Programs effective June 2019

Video Public Service Announcement - Housing Rehabilitation Funding Available 

The Housing Division provides information, referral, education and resources about Housing Discrimination and Fair Housing Laws. HUD Booklet 

File Housing Discrimination complaints with the U.S. Department of Housing and Urban Development.

File Mobile Home, Manufactured Housing, and Employee Housing compaints with the California Mobilehome Assistance Center

For more information on any of the Housing Division's programs, please contact the Housing Division at (831) 648-3199.

ECHO is conducting weekly webinars, on Thursdays at 5:30pm, to inform the public, particularly tenants and property owners about the County's Eviction Moratorium and the Tenant Protections Act of 2019.  These webinars provide information regarding the halt on evictions and foreclosures put in place by the County and additional State protections. Click Here to Read More and Register

APRIL FAIR HOUSING MONTH - Mayor Proclamation 2020

Each year the Housing Division of the City of Pacific Grove provides public education to draw attention to housing discrimination and the City’s commitment to protecting the fair housing rights of its citizens. We ask our community colleagues, realtors, lenders and property managers to proudly display their support of Fair Housing Laws

Everyone can learn something new about how Housing discrimination affects real people.  A Matter of Place video story.

According to the Census Bureau’s American Survey estimates, a little more than half of occupied housing units in the City of Pacific Grove are renter occupied. It is estimated that more than 35 % of renters pay more than 30 % their household income to rent. The Housing Division receives most housing discrimination complaints from renters. The goal of the City's Housing programs is to help individuals and the community, understand the importance of fair housing, of equal opportunities for all people and to become aware of problems related to housing discrimination.

Public Service Brochures

To Report Housing Discrimination call 1-800-669-9777 or TTY 1-800-927-9275 or file a complant online.

For more information go to the Department of Housing and Urban Development (HUD) - Fair Housing & Equal Opportunity

The goal of our program is to preserve and protect; preserve a housing resource and protect homeowners from health and safety deficiencies.

Over the last 25 years the City has been making deferred-payment rehabilitation loans to qualified low-income homeowners. Loan recipients make much needed home repairs to their homes without having to pay monthly payments. 

Prior to 2010, approximately 4 loans per year were made to Pacific Grove. In 2010 due to the benefit of state and federal grants 10 homeowners received loans that totaled $408,500. Not only has the community benefited by the improvements made to the homes, but the work has been done by local contractors who purchased much of their materials locally. It has truly been a win-win situation for the community.

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Video demonstration on how the Housing Rehabilitation Program helps homeowners

A Rehabilitation loan is secured by a Deed of Trust, no monthly payments and 3% simple interest rate (accrues annuallly) is applied for the life of the loan. Full Payment of the loan is due at time of sale of the property or any transfer of property title. Simply put, an eligible homeowner can make health and safety repairswith no money; down and get assistance from staff to help with managing the contractor's work.

The process is fairly simple:

  1. The homeowner applies for the loan and supplies the necessary financial documentation.
  2. The application is reviewed by the Housing staff.
  3. If the applicant meets all of the requirements, the project is forwarded to the Rehabilitation Inspector.
  4. The Inspector will meet with the applicant, do a thorough inspection of the home, and determine which health and safety items fall under the scope of the program funding guidelines.
  5. A Loan Committee reviews the project and approves funding for the loan to the homeowner.
  6. The Inspector completes a write-up of the work to be done, discusses the items with the homeowner, then assists the homeowner in sending out the write-up to the appropriate local contractors.
  7. The homeowner then selects a contractor based on the responses to the write-up.
  8. The Inspector prepares contract documents which the homeowner and contractor both sign and the work begins.
  9. The Inspector will have bills paid to the contractor as the work progresses and as the homeowner approves the bills for payment.
  10. Housing staff monitor the progress of the work until the project is finished.


2019 Income Guidelines for Housing Programs

Download Housing Rehabilitation Loan Application

It is the policy and intention of the City of Pacific Grove to comply in all of its policies and procedures affecting all of its programs and activities, including employment and housing, with all appropriate regulations prohibiting discrimination on the basis of race, color, sex, national origin, religion, sexual orientation, age, family status or persons with disabilities.

The Housing Division in cooperation with the Public Works Department's Sewer Division provides loans to residents of Pacific Grove. 

Residents of the City of Pacific Grove who experience regular sewer back-ups and overflows should have their sewer line inspected. Homeowners who voluntarily take action to prevent sewer spills are eligible for help to pay for a sewer lateral replacement.

The Sewer Lateral Replacement Loan Program provides a low interest (3%) loan of up to $10,000 to repair or replace a private sewer lateral. These loans secured by a Deed of Trust, are deferred- no monthly payments are required. Loans are repaid when there is a property title transfer or sale to a new owner.

Private Sewer Lateral Loan Application | Guidelines Note: This is a VOLUNTARY program. If a property owner fails to repair a faulty sewer lateral line then penalties may be assessed pursuant to Pacific Grove Municipal Code Chapter 9.20. Loan program funding is limited to budgeted funds and eligibility criteria.

During the COVID-19 health emergency, Monterey Bay Economic Partnership (MBEP) continues to support local governments and other partners in addressing housing needs.

Click here to read more on MBEP's housing response and to access additional renters resources.

The Housing Division offers information and referral services to citizens requesting help with housing. Call (831) 648-3199 for help with Housing.

The City does not get involved in Landlord and Tenant disputes. Tenants can find out information regarding tenant rights with a click of this link: Tenant's Rights in Rental Housing

The Vista Point apartment complex on Jewell Avenue near Lover's Point is an Affordable Housing Project for Senior Citizens. This complex is managed by Eden Housing Management and the application is available here.

More questions? Call 211 or click on the link below:
Monterey County United Way Information & Referral 

Affordable Housing Monitoring Forms

Other Housing Resources