CDBG Programs

Each year the City of Hagerstown utilizes a portion of its CDBG entitlement grant to either provide or fund programs and facilities that primarily benefit low-and-moderate income residents.  Below is more information on these different programs and how to apply (please note that all programs require applicants meet Federal CDBG income limits). 

Emergency Repair Program

An "emergency repair" is defined as a situation that is life threatening, or one that prohibits someone from living in decent, safe, and sanitary conditions.  Income-qualified homeowners may be eligible for a grant of up to $10,000 for eligible emergency repairs and/or a low interest loan to complete comprehensive improvements to their property.

Homeowner Application |

Single Family Rehabilitation Loans and Residential Rental Rehabilitation Loans

In need of comprehensive renovations to a single family structure or a multi-family structure? Your project may qualify for a low interest loan through the Department of Community and Economic Development. Loan funding is contingent upon Hagerstown Loan Review Authority approval and subject to funding availability. Single family homeowners may also qualify for a grant for eligible emergency repairs. 

Homeowner Application | 

City Homeownership Program

The City's Homeownership Program was created to provide affordable homeownership opportunities to qualified individuals or families buying within the City of Hagerstown.  Homes are typically purchased by the City using CDBG funds and then sold at a fair market rate to qualified individuals.  More information on this program can be found here.

Public Service Grant Program

In order to better service the residents of Hagerstown, the City makes available a portion of each entitlement grant to non-profit groups to help fund activities that provide either: decent housing, a sustainable living environment, or expanded economic opportunities for low-and-moderate income persons.  This funding is made available through an application process that opens each December and remains open for one month.  More information on this program can be found here.

Microenterprise Grant Program

Qualified microenterprises in the City of Hagerstown are eligible to receive from $2,500 to $5,000 in grant funding to cover various business expenses with the exception of real property improvements or rehabilitation, rent/mortgage or utility payments for home-based business occupancies, or repayment of existing debt.  Businesses must meet CDBG income guidelines.  More information on this program can be found here.

Questions About Programs

Any questions about the above listed CDBG programs can be directed to Ms. Margi Joe, Community Development Manager, at or 301-739-8577 ext, 134.  

FY 2023 - 2024 Income Limits

The Department of Housing and Urban Development sets income limits that determine eligibility for CDBG funded projects including public service activities and housing rehabilitation programs.  In order to document that public service providers and/or housing program applicants meet HUD’s national objective of benefiting low-to-moderate income persons the following income limits have been defined for the 2022-2023 Fiscal Year:

(Note: Income qualifications are determined by the size of a household.  Extremely Low Income refers to a household that earns 30% or less of the overall median income of the area, Low Income refers to a household that earns between 30% and 50% of the overall median income of the area, and Moderate Income refers to a household that earns between 50% and 80% of the overall median income of the area.)