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Our Mission:

Providing adequate, safe and affordable housing to very low, low and moderate income residents, while supporting the City of Lakeland's redevelopment efforts and promoting self-sufficiency.

The City of Lakeland's Housing Office administers a number of Federal and State grant programs designed for the preservation and development of affordable housing, and expended economic opportunities for persons of low to moderate income.

Funding is generally restricted to benefit very low, low and moderate income residents and families.  See Income Chart or contact the Housing Office for additional details.

Affordable Housing Review Committee and Local Housing Assistance Partnership Task Force Meeting

To be held at 3:00p.m., City Commission Conference room located on the 3rd floor of City Hall located at 228 S Massachusetts Ave.



What is Affordable Housing?

Housing is affordable if it costs no more than 30% of one’s income. People who pay more than this are considered “cost-burdened.” Those who pay more than 50% are “severely cost-burdened.” High housing prices can slow down a local economy, leaving jobs unfilled and siphoning spending power away from local goods and services.

The City of Lakeland is committed to partnering with developers to encourage the construction of safe, affordable, high-quality housing. The following table shows units constructed or planned from October 2019 to present.


The City of Lakeland prepared its Annual Performance Reports for the State Housing Initiatives Partnership (SHIP) program.  These reports contain information on the status of all SHIP funded projects completed before June 30, 2023.  Included is the SHIP Close Out Report for 2020-2021, SHIP Interim Report for 2021-2022.  The Annual Performance Report shall be submitted to the Florida Housing Finance Corporation (FHFC) in Tallahassee, Florida, to be received by the FHFC on or before September 15, 2023.

The Annual Performance Reports are available for review by contacting the Housing Division at housing@lakelandgov.net, where interested parties may obtain a free copy or receive information about the reports.  

Anyone wishing to comment on the reports must do so prior to September 4, 2023.  Written public comments shall identify the author by name, address, and interest affected. Comments should be addressed to Michael B. Smith, Housing Programs Manager, Planning and Housing Division, 1104 Martin Luther King Jr. Avenue, Lakeland, FL 33805, or housing@lakelandgov.net and to the Florida Housing Finance Corporation, 227 North Bronough Street, Suite 5000, Tallahassee, Florida, 32301-1329.


Equal Housing Opportunity logo


Community Development Block Grant (CDBG) and HOME Investment Partnerships (HOME) Programs One Year Action Plan and Projected Use of Funds for 2023 - 2024

The City of Lakeland is seeking public input regarding the City's housing and community development needs prior to the submission the 2023-2024 One-Year Action Plan and Projected use of Funds ("Action Plan" to the U.S. Department of Housing and Urban Development (HUD) for the annual Community Development Block Grant (CDBG) and Home Investment Partnerships (HOME).  These Plans define the use of funds and the community development objectives.

On My 8, 2023, and May 25, 2023, public meetings will be conducted for the purpose of obtaining views on such matters as community development and housing needs and priorities.

On June 19, 2023, City of Lakeland Community & Economic Development, Housing Division staff will present the proposed One-Year Action Plan to the City Commission and will invite public suggestions and Commission direction for refinements to the proposed plan.  The One-Year Plan defines the use of CDBG funds for the 49th program year and HOME funds for the 29th program year.

On July 17, 2023, the City Commission will consider the One-Year Action Plan for the City's 49th CDBG program year and 29th HOME program.  

Officials of the City of Lakeland previously prepared forty-eight (48) annual CDBG applications which have been approved by HUD for a total of $37,571,962 and twenty-eight (28) HOME applications totaling $11,246,039.

The expected allocations for the 49th Year of CDBG at $865,988 and the 29th Year of HOME funds at $434,505.  The Program year runs from October 1, 2023, to September 30, 2024.

Primary Objective: The primary objective of this federal program is to develop viable urban communities by providing decent housing and a suitable living environment, and expanding economic opportunities, principally for persons of low and moderate incomes.  Consistent with this primary objective, not less than 70 percent of the City's CDBG funds shall be used for activities which benefit persons of low and moderate incomes.

General Requirements: The primary objective will be achieved through a program in which the projected use of funds is designated to benefit low- and moderate-income families, aid in the prevention of slums or blight, or to meet other community development needs having a particular urgency.

Basic Eligible Activities: Community Development Block Grant funds may be used for activities which include, but are not limited to:

  • acquisition and disposition of real property;
  • public facilities and improvements;
  • clearance and demolition;
  • public services (with certain limits);
  • relocation assistance;
  • rehabilitation of privately owned buildings and improvements;
  • code enforcement in deteriorating or deteriorated areas;
  • planning activities; and
  • payment of reasonable administrative costs.

Ineligible Activities: The following activities may not be carried out using Community Development Block Grant funds:

  • acquisition, construction, or reconstruction of buildings for the general conduct of government;
  • political activities;
  • certain income payments; and
  • construction of new housing by units of general local government.

HOME Investment Partnerships Program funds may be used for activities which include, but are not limited:

  • provide home purchase or rehabilitation financing assistance to eligible homeowners and new homebuyers;
  • build or rehabilitate housing for rent or ownership;
  • payment of reasonable administrative costs; and
  • eligible Community Housing Development Organizations (CHDO) operating expenses and capacity building costs.

The following activities may not be carried out using HOME Investment Partnership Program funds:

  • tenant based rental assistance for the special purposes of the existing Section 8 program;
  • provide non-federal matching contributions required under any other federal program; 
  • pay for the acquisition of property owned by the participating jurisdiction, except for property acquired by the participation jurisdiction with HOME funds, or property acquired in anticipation of carrying out a HOME project; and
  • monitoring, servicing, or origination fees in HOME assisted projects.

What a Community Must Do To Secure Funding

Pre-submission requirements:

  1. Develop a One-Year Action Plan including the proposed statement of community development objectives and projected use of funds.
  2. Furnish citizens with information concerning the amounts of funds expected to be available for community development and housing activities and the range of activities that may be undertaken with those funds.
  3. Hold at least two public hearings to obtain the views of citizens on the City's housing and community development needs.  At least one of these hearings must be held for public comment, prior to the publication of the proposed One-Year Action Plan.
  4. Publish the proposed One-Year Action Plan to afford affected citizens an opportunity to examine its content and comment. 
  5. Prepare and publish a final One-Year Action Plan.


The following is a timeline for the preparation and submission of the City of Lakeland's Community Development Block Grant and HOME programs One-Year Action Plan and Projected Use of Funds ("Plan"):

Monday, May 8, 2023 Public meeting at the Coleman Bush Building at 6:00 p.m.
Thursday, May 25, 2023 Affordable Housing Advisory Committee meeting at 4:00 p.m.
Monday, June 19, 2023 Public hearing before the City Commission on the Plan.  City Hall at 9:00 a.m.
Monday, July 17, 2023 Public hearing before the City Commission to finalize the Plan. City Hall at 9:00 a.m.
Tuesday, August 15, 2023 Plan due in HUD Area Office in Jacksonville.
Sunday, October 1, 2023 Begins 49th Year CDBG and 29th Year HOME activiites.

In accordance with the Americans with Disabilities Act and Section 286.26, Florida Statute, persons with disabilities needing special accommodation to participate in this proceeding, or those requiring language assistance (free of charge) should contact the City of Lakeland ADA Specialist, Jenny Sykes.  Because providing a reasonable accommodation may require outside assistance, organizations, or resources, the City asks that any request be made with as much notice as possible, preferably 72 hours, but no later than 48 hours in advance of the event, at 863.834.8444 or ADASpecialist@lakelandgov.net.  If hearing impaired, please contact the TDD numbers: Local - 863.834.8333 or Toll Free at 800.955.8771 (TDD - Telecommunications Device for the Deaf) or the Florida Relay Service number is 800.955.8770(VOICE), for assistance.

For more information on the eligible and ineligible activities for CDBG and HOME, please visit Action Plan Draft for 2023-24. Also included on the website are the following documents: Consolidated Plan 2021-2025 which includes the Annual Action Plan 2022-2023 and Annual Report (CAPER 2021-2-22)

Persons wishing to see complete copies of the most recent One-Year Action Plan and Projected Use of Funds, the 2021-2025 Five-Year Consolidated Plan, the Federal Regulations, applications of CDBG, and applications of HOME, or other information concerning the proposed use of funds, may visit the Community & Economic Development Department, Housing Division at 1104 Martin Luther King Jr. Avenue, Lakeland, Florida, or call the department at (863) 834-3360.  Office hours are Monday through Friday, 8:00 a.m.- 5:00 p.m.




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The City of Lakeland prepared the Consolidated Annual Performance and Evaluation Reports (CAPER) for the 2021-2022 Community Development Block Grant (CDBG) and HOME Investment Partnerships (HOME) program year.  The U.S. Department of Housing and Urban Development must receive the CAPER reports in the Jacksonville area office by December 29, 2022.  The public may review and submit comments on the reports prior to submission to HUD.

The CAPER reports contain information on the status of all CDBG and HOME funded projects underway or completed during the program year October 1, 2021 to September 30, 2022.  These reports document the City's performance in meeting the various requirements for the expenditure of CDBG and HOME funds.

The CAPER and accompanying narrative statements are available here.  Interested parties may also obtain a copy at no charge or receive information about the reports by calling the Planning and Housing Division at 863.834.3360.

Comments should be addressed to: Michael Smith, Housing Programs Manager, Community & Economic Development Department, Housing Division, 1104 Martin Luther King Jr, Avenue, Lakeland, FL 33805, on or before Monday, December 19, 2022.

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29TH Year HOME

Program Year 2023-2024

Applications are now available for organizations seeking funds to provide affordable housing development for Community Housing Development Organization (CHDO) under the HOME Investment Partnerships (HOME) Program for the period of October 1, 2023, through September 30, 2024.

For any questions, please email Michael Smith or Adena Kniss or by calling 863.834.3360.


State Housing Initiatives Partnership (SHIP)

The City of Lakeland's Housing Department may be able to help low and very low-income households with disaster-related housing repairs and relocation assistance. Following a disaster as declared by the President of the United States or the Governor of the State of Florida, SHIP funds may be used to address emergency housing repair. This strategy aims to address the immediate health and safety needs of eligible clients in the event of a disaster. Relocation assistance may be provided.

Generally, such needs may include the purchase of emergency supplies for income-eligible households to weatherproof damaged homes; provide interim repairs to avoid further damage; tree and debris removal; or other assistance as necessary to make individual housing units habitable. This assistance would additionally be for non-insured repairs such as insurance deductible expenses. 

Clients are served on a “first qualified, first served basis.” The maximum award is $85,000. Mobile homes are not eligible for assistance. 

Contact the Housing Department at housing@lakelandgov.net or 863.834.3360 for more information.

Federal Emergency Management Agency (FEMA)

Individuals and households can also apply to FEMA for help with temporary housing, basic home repairs, and certain other uninsured disaster-related needs. To apply, visit disasterassistance.gov or call 800-621-3362 from 7 a.m. to 11 p.m. ET, or by using the FEMA mobile app. If you use a relay service such as video relay service (VRS) or captioned telephone service, give FEMA the number for that service.

Potential applicants should contact their insurance companies first because FEMA will not pay for items that insurance covers.

Housing Rehabilitation Available

The City of Lakeland's Planning & Housing Division is accepting applications for Rehabilitation of Owner-Occupied, Single-Family Homes ONLINE ONLY.  Applicants must own and have lived in their home for at least one year prior to applying for rehabilitation assistance. Mobile homes and rental properties are not eligible for rehabilitation assistance.  Homes in historic districts are subject to additional program restrictions.

30% 50% 60% 80%
1 15,000 25,000 30,000 40,000
2 17,150 28,600 34,320 45,700
3 19,300 32,150 38,580 51,400
4 21,411 35,700 42,840 57,100
5 23,150 38,600 46,320 61,700
6 24,850 41,450 49,740 66,250
7 26,550 44,300 53,160 70,850
8 28,250 47,150 56,580 75,400

Income levels are based on Area Median Income (AMI) for family of four at $74,300.

Data effective June 15, 2023 and retrieved from the following web sources:


Florida Housing Finance Corporation (FHFC) -https://www.floridahousing.org/owners-and-managers/compliance/income-limits (2023)


The Planning & Housing Division is located:
1104 Martin L. King, Jr. Avenue
Lakeland, Florida  33805

Sources of funding for this program may include Community Development Block Grant (CDBG), HOME Investment Partnerships Program (HOME), and the State Housing Initiatives Partnership Program (SHIP). For more information, please contact the Housing Office at 863.834.3360 or by email to housing@lakelandgov.net

A photo of the Equal Housing Opportunity logo

Affordable Housing Infill Land Bank Program

Update: The next round of lots is now available for preview on our interactive map linked below.

The City of Lakeland Housing Division will begin accepting applications for the Infill Land Bank Program starting on Monday, March 10, 2023.  Anyone interested in the program will be required to submit an Affordable Housing Development Application and an Application to become a Certified Affordable Housing Developer through our online application portal.  If you were previously awarded lots through the land bank program, you do not need to resubmit the Certified Affordable Housing Developer Application.  The link to the application portal will remain open until the end of the day Monday, March 27, 2023.

The City of Lakeland Housing Division and the Affordable Housing Review Committee will qualify and rank all applications.  Lots will be awarded to qualified buyers based on their ranking until all lots have been awarded and the following incentive will be made available:

  • Non-utility impact fee waivers for both the city and county are available for properties in the Core Improvement Area.
  • Non-utility impact fee reimbursements are available for properties outside the Core Improvement Area.
  • The City of Lakeland will sell infill lots for 120% of the assessed land value.  The city will only collect a deposit of $1,500 per lot; the remaining balance will be held as a 10 year deferred lien.  The lien will be released and satisfied upon sale of new home to an income qualified affordable housing buyer.
  • Down payment assistance will be available to income qualified affordable housing buyers. 

The application forms and program details are available below:

Affordable Housing Land Bank Map 

Program Guidelines

Certified Affordable Developer Application

(Go to the Infill Lot Program at the bottom of the page)

For additional information, please contact  housing@lakelandgov.net or call 863.834.3360.


Foreclosure Prevention

The City of Lakeland has partnered with Keystone Challenge Fund, Inc. to provide housing counseling services to help qualified homeowners avoid foreclosure as a result of the COVID-19 pandemic. Please contact 863.687.1025 or visit HANDS for more information or to apply for assistance.


Related Links

Fair Housing & Equal Opportunity

Florida's Hardest-Hit Fund Program

Florida Housing Coalition

Florida Housing Finance Corporation

Homeownership Preservation Foundation

HANDS of Central Florida

Lakeland Housing Authority

Making Home Affordable

Polk County Housing & Neighborhood Development

Shimberg Center for Affordable Housing

U.S. Department of Housing & Urban Development