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Low Income Housing In San Diego, California

San Diego Low Income HousingThe city of San Diego has an established Housing Commission department that manages and disseminates information on affordable housing options for low-income residents of San Diego.  The U.S. Department of Housing and Urban Development (HUD) defines “affordable” as no more than 30% of a family's monthly income.  The idea is to provide housing that families in this income category can afford to pay.  With the average home in San Diego selling at more than $500,000, this is no easy task for San Diego's Housing Commission.  So, income guidelines are set at 80% of area median income (median income is $63,400) for those who can qualify as low income.  

San Diego's low income housing options include condominiums that have been converted from housing developments and made available for sale to low-income families.  In other areas throughout the City they also provide incentives to local developers to build new, affordable low-income and mixed-income single-family homes and rental properties.

The Commission offers down payment and closing cost grants to first-time homebuyers whose household income does not exceed 100% of the area median income.  The grant is 4% of the purchase price up to $7,500 and forgivable after six years.  If first-time homebuyers want to buy within the city limits, they can get a tax credit of 15-20% of their annual mortgage interest.  Homebuyers who want to live downtown and earn up to 120% of San Diego's median area income can qualify for a 0% 30-year second mortgage up to $75,000 with deferred payments of five years.  Several other first-time homebuyer assistance programs are discussed at www.sandiego.gov.  

Home ownership opportunities also exist through Habitat for Humanity.  This unique, non-profit organization receives donations of money, labor and materials to build affordable homes for low-income families with no money down and no-interest loans.  Families must be willing to work 250 hours on helping to build their home and meet the income guidelines posted at www.sdhfh.org.


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