Sewer Lateral Loan Program 

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

Low-income 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. The City is working on offering a program to allow participants to make an annual payment to pay off this debt.

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.