Housing Authorities in Maryland

State of Housing in MarylandThe housing programs in the State of Maryland are under six categories, namely 1) New Home assistance, 2) Home improvement/Repairs Assistance, 3) Rent Subsidy, 4) Energy efficiency, 5) Help for the homeless, and 6) housing projects development.

Maryland Mortgage Program

The CDA Maryland Mortgage Program provides low-interest mortgage loans to eligible homebuyers with low- to moderate-income households through private lending institutions throughout the State.The Program began in 1980 and is targeted primarily to first-time homebuyers.

Homes for Sale

The Department of Housing and Community Development, State of Maryland has DHCD Owned homes for sale throughout the State of Maryland. These homes may be purchased by Homebuyers (Owner/Occupant), Investors, or Non-Profit Organizations.

Homeownership for Individuals with Disabilities Program

The Homeownership for Individuals with Disabilities Program provides low-interest mortgage loans to eligible disabled homebuyers and homebuyers with a disabled son or daughter.

Be SMART Program

DHCD’s Be SMART program, funded through the US Department of Energy’s Better Buildings program, providesState of Housing in Maryland increased comfort, safety and affordability to buildings in Maryland through energy efficiency improvements. $508 million in federal funding has allowed 41 state and local government leaders to expand the building improvement industry and pave the way for a cleaner energy future. Maryland received $20 million in funding for the Be SMART program to finance improvements to homes, businesses and multifamily buildings. DHCD is working with local partners and contractors to provide financing for energy efficiency improvements across the state. Through the Be SMART program, financing is available for the purchase and installation of equipment and materials for energy efficiency measures. Such items include, but are not limited to ENERGY STAR qualified: HVAC systems, insulation, windows, draft stopping and duct sealing, appliances and fixtures, and water heating equipment. These improvements are expected to result in energy savings of 15-30%. This translates to significantly lower energy bills for consumers, more comfortable buildings and reduced consumption of fossil fuels.

Ground Rent Redemption Loan Program

The Ground Rent Redemption Loan Program was created by the Maryland General Assembly in 2007 to provide loans to homeowners to buy out (redeem) ground leases. A "ground lease" is a lease for a term of years (usually 99 years) that is renewable forever and is subject to the periodic payment of "ground rent" by the leasehold tenant to the ground lease holder. Ground rents are most prevalent in Baltimore City but are held in some other counties as well. The program cannot provide grants for this purpose.

Be Smart Programs

Program NameProgram Description
Accessible Homes for Seniors Program The Maryland Department of Housing and Community Development (DHCD), in partnership with the Maryland Department of Aging (MDoA), are undertaking a pilot project to promote accessibility related improvements to the homes of seniors. These improvements may include, among others, the installation of grab bars and railings, widening of doorways and installation of ramps. Home improvements such as these represent for many older people the key to remaining in their home and maintaining their independence.
Be SMART Home The Maryland Department of Housing and Community Development’s (DHCD) Be SMART Home Program provides financing for energy efficiency improvements to homes within 15 targeted communities across the state. Financing is available for two types of improvements: (1) comprehensive weatherization and whole home envelope improvements, and (2) replacement of appliances and heating/cooling systems for improved efficiency.
EmPOWER Low Income Energy Efficiency Program (LIEEP) The EmPOWER Low Income Energy Efficiency Program (LIEEP), funded through the EmPOWER Maryland Energy Efficiency Act of 2008 and administered by the Maryland Department of Housing and Community Development (DHCD), helps low income households with installation of energy conservation materials in their homes at no charge.
Indoor Plumbing Program (IPP) The purpose of the Indoor Plumbing Program (IPP) is to provide indoor plumbing to residential properties. Loans may be made for single-family, owner-occupied homes and rental properties, which do not have indoor plumbing. Properties must be structurally sound.
Lead Hazard Reduction Grant and Loan Program The purpose of the Lead Hazard Reduction Grant and Loan Program (LHRGLP) is to assist homeowners and landlords lessen the risk of lead poisoning and preserve the housing stock by reducing or eliminating lead-based paint hazards. There are no income limits for this program. The financial assistance (grant or loan) will be based on the applicant's ability to repay.
Maryland Housing Rehabilitation Program - Single Family (MHRP-SF) The purpose of the Maryland Housing Rehabilitation Program- Single Family (MHRP-SF) is to preserve and improve single family properties and one-to-four unit rental properties. MHRP-SF is a program designed to bring properties up to applicable building codes and standards.
Special Targeted Applicant Rehabilitation Program (STAR) The purpose of the Special Targeted Applicant Rehabilitation Program (STAR) is to preserve and improve single-family properties. STAR is a program designed to bring properties up to applicable building codes and standards or a minimum housing quality standard.
Weatherization Assistance Program (WAP) The purpose of the Weatherization Assistance Program (WAP) is to help eligible low-income households through the installation of energy conservation materials in their dwelling units. Priority is given to homeowners who are elderly, disabled and families with children and/or who have the highest energy consumption. Eligible renters may also apply.

Multi Family Programs

Program NameProgram Description
Be SMART Multifamily Through the Be SMART Multifamily program, DHCD will provide or facilitate loans for multifamily rental housing properties to undertake energy efficiency measures in 15 targeted communities across the State. Be SMART Multifamily complements the Department’s Multifamily Energy Efficiency and Housing Affordability (MEEHA) Program and the Green Grant Rental Housing Preservation Program.
Community Legacy Program Community Legacy, a program of the Department of Housing and Community Development (DHCD), is designed to assist urban neighborhoods, suburban communities and small towns that are experiencing decline and disinvestment, but have the potential, with modest public and private investment, to be vibrant places to live and work.
Federal Low-Income Housing Tax Credit Program Maryland administers the Federal Low Income Housing Tax Credit Program to support the development of affordable multifamily rental housing. Credits are awarded competitively in conjunction with the State's Rental Housing Program funds and federal HOME funds. Tax credits are allocated in accordance with federal IRS rules and Maryland's Qualified Allocation Plan. Credits are subject to recapture for failure to comply with all IRS requirements.
Green Grant Rental Housing Preservation Program - MD-BRAC The purpose of the Green Grant Rental Housing Preservation Program - MD-BRAC is to reimburse eligible applicants for costs associated with Energy Audits for multi-family rental housing or for the U.S. Green Building Council’s Leadership in Energy and Environmental Design (LEED) accreditation and training. Eligibility for this program is restricted to certain communities affected by the federal Base Realignment and Closure (BRAC) process.
Group Home Program (GHP) The purpose of the Group Home Program (GHP) is to help individuals, qualified limited partnerships and nonprofit organizations construct, acquire or acquire and modify, or refinance existing housing to serve as a group home for income-eligible persons with special housing needs. Housing may include group sheltered living arrangements, shared living, temporary housing facilities and other group homes for persons with special needs.
HOME Investment Partnerships Program (HOME) DHCD administers the State of Maryland's federal HOME Investment Partnerships Program funds. HOME funds are used in conjunction with the existing housing programs of DHCD. In addition, the HOME Initiatives Program uses HOME funds to fill a need not met by existing DHCD housing programs.
Maryland Affordable Housing Trust (MAHT) The Maryland Affordable Housing Trust provides grants to create, preserve, and promote affordable housing throughout the State. Grants are awarded through competitive rounds for capital assistance to rental and homeownership housing, for non-profit developer capacity building to create affordable housing, for supportive services for the occupants of affordable housing, and for operating expenses to maintain affordable housing.
Maryland Housing Rehabilitation Program - Multifamily (MHRP-MF) The Maryland Housing Rehabilitation Program -- Multifamily (MHRP - MF) provides gap financing for the acquisition and rehabilitation of multifamily rental residential buildings. The purpose of the Program is to preserve the supply of housing with existing federal, State or local affordability requirements, particularly project-based Section 8 or Rural Development rental assistance. MHRP-MF funding will be used, primarily, for projects which also make use of financing through CDA’s Multifamily Bond Program. Other uses will be considered on a case-by-case basis.
Maryland Housing Rehabilitation Program - Single Family (MHRP-SF) The purpose of the Maryland Housing Rehabilitation Program- Single Family (MHRP-SF) is to preserve and improve single family properties and one-to-four unit rental properties. MHRP-SF is a program designed to bring properties up to applicable building codes and standards.
MD-BRAC Preservation Initiative DHCD has joined with nine county governments to preserve affordable rental housing located in the path of growth brought on by the federal Base Realignment and Closure (BRAC) process, which will bring over 25,000 new households to the region beginning in 2011. In a regional partnership, DHCD is working with Anne Arundel, Baltimore, Cecil, Frederick, Harford, Howard, Montgomery, Prince George’s and St. Mary’s Counties to implement the MD-BRAC Preservation Initiative, which will ensure that rental housing preservation is a key element of the region’s response to the challenges and complexities of BRAC-related growth.
MD-BRAC Preservation Loan Fund The Fund provides flexible, short-term (typically 12-24 months) loans which complement other financing, to spur the preservation of affordable rental housing in the MD-BRAC geographic footprint. In certain circumstances, the Fund will provide guarantees and other forms of collateral to eligible projects.
Multifamily Bond Program The Department issues tax-exempt and taxable mortgage revenue bonds to finance the acquisition, rehabilitation or construction of affordable multifamily rental housing in priority funding areas. Applications are accepted throughout the year and must meet specified threshold criteria. All loans must be credit-enhanced. Applications that meet threshold are assigned to a bond schedule, underwritten, and must be approved by the Housing Finance Review Committee prior to issuance of the bonds.
Multifamily Energy Efficiency and Housing Affordability Program (MEEHA) - EmPOWER The purpose of the Multifamily Energy Efficiency and Housing Affordability (MEEHA)-EmPOWER Program is to promote energy efficiency and affordability in the State’s multifamily rental housing developments for low and moderate income households. These improvements are intended to reduce a building’s energy use and lower utility bills for occupants
Operating Assistance Grants Program There are two types of Operating Assistance Grants. Capacity Building Grants are awarded competitively to inexperienced nonprofit organizations to undertake the development of affordable housing. They may also be awarded to existing nonprofit organizations to undertake new types of affordable housing. Production Grants are provided to active nonprofit housing developers to facilitate the production and rehabilitation of limited income housing. Production Grants awarded in 2011 will be limited to qualifying projects receiving financing commitments/reservations during calendar year 2010. For both types of grants, the nonprofit organizations must meet eligibility requirements, including matching requirements for Capacity Building Grants. Awards are made annually.
Partnership Rental Housing Program (PRHP) The Partnership Program provides loans for rental housing that will be occupied by households with incomes below 50% of the statewide median. Loan amounts are limited to $75,000 per unit for large projects and up to $2 million (without a per unit cap) for small projects. There is no limitation on the maximum loan amount but Partnership projects tend to include 100 or fewer units. Local governments must contribute the site and any necessary off-site improvements. State funds may be used for the development costs of building acquisition, construction or rehabilitation of buildings on site. Projects financed by the program are intended to provide rental housing to individuals and households with incomes sufficient to pay rents in amounts necessary to maintain financial self-sufficiency of the project.
Rental Housing Program The Rental Housing Program provides loans for the development of affordable multifamily housing in priority funding areas. Funds are awarded competitively approximately every eight months in conjunction with federal low-income housing tax credits and HOME funds. Non-profit and for profit developers may apply and both new construction and rehabilitation projects are eligible for financing. Local government support and a contribution are required.
Rental Housing Works (RHW) The purpose of RHW is to create jobs and strengthen the Maryland economy by providing gap financing for the creation and preservation of affordable rental housing financed through DHCD’s Multifamily Bond Program and Low Income Housing Tax Credit Program. RHW is funded at $17.5 million for FY 2013.
Section 1602 Tax Credit Exchange Program Maryland administers the Section 1602 Tax Credit Exchange Program to provide funds for capital improvements in affordable multifamily rental housing projects awarded federal Low Income Housing Tax Credits. Section 1602 funds are awarded and allocated in accordance with Treasury guidelines and Maryland's Qualified Allocation Plan. Section 1602 funds are subject to recapture for failure to comply with all IRS requirements.

Rent Assistance

Program NameProgram Description
Community Legacy Program Community Legacy, a program of the Department of Housing and Community Development (DHCD), is designed to assist urban neighborhoods, suburban communities and small towns that are experiencing decline and disinvestment, but have the potential, with modest public and private investment, to be vibrant places to live and work.
Rental Allowance Program (RAP) The Rental Allowance Program (RAP) provides monthly rent assistance for low income families who are homeless or have an emergency housing need. The monthly payments are fixed amounts, depending upon the size of the family and the location of the rental housing unit in the State. Payments can be received for up to 12 months, and may be extended under special circumstances.
Section 8 Certificate/Voucher Program The Section 8 Existing Certificate/Voucher Program is a federal program that provides monthly rent assistance for low income families. The family pays approximately 30 percent of their income toward the rent with the balance of the monthly rent, up to a fair market rent, paid by the Section 8 assistance.
Section 811 Rental Assistance Demonstration Program The Section 811 PRA Demo Program is federally funded grant to DHCD that provides project-based rental assistance for non-elderly adults with disabilities, age 18 and over and below 62 years of age. With incomes at or below 30% of AMI who are Medicaid recipients. The individual pays approximately 30 percent of their income toward rent with the balance of the monthly rent, up to a fair market rent, paid by Section 811 PRA assistance.
Program NameProgram Description
Be SMART Business Through the Be SMART Business program, DHCD is offering low-interest loans to small business owners and commercial property owners to realize substantial, immediate, and ongoing cost savings through energy efficiency improvements.
Community Investment Tax Credit (CITC) Community Investment Tax Credits (CITC), formerly named Neighborhood Partnership Program (NPP), supports nonprofit projects by awarding allocations of State tax credits to the sponsoring organizations to use as incentives for business contributions. Any business may reduce its Maryland tax liability by contributing cash or goods to support CITC projects. The business earns credits equal to 50 percent of the contribution, in addition to deductions on both State and Federal taxes as a result of the charitable contribution.
Community Legacy Program Community Legacy, a program of the Department of Housing and Community Development (DHCD), is designed to assist urban neighborhoods, suburban communities and small towns that are experiencing decline and disinvestment, but have the potential, with modest public and private investment, to be vibrant places to live and work.
Main Street Maryland Program Main Street Maryland is a comprehensive downtown revitalization program created in 1998 by the Maryland Department of Housing and Community Development. The program strives to strengthen the economic potential of Maryland's traditional main streets and neighborhoods. Using a competitive process, Main Street Maryland selects communities who have made a commitment to succeed, and helps them improve the economy, appearance and image of their traditional downtown business districts.
Maryland Capital Access Program The Maryland Capital Access Program is a small business credit enhancement program that enables private lenders to establish a loan loss reserve fund from fees paid by lenders, borrowers, and the State of Maryland. An enrolled loan, or portion of a loan, may range from $10,000 to $1,000,000. Most Maryland small businesses, including nonprofit organizations, are eligible.
Maryland Downtown Development Association The Maryland Downtown Development Association (MDDA) is a statewide organization of professionals aggressively promoting the health and vitality of Maryland's downtowns and traditional commercial business districts through its conferences, newsletter, mentoring and professional network.
Maryland Linked Deposit Program Linked Deposit is designed to stimulate opportunities for certified Minority Business Enterprises (MBEs) by reducing the interest rate on loans they obtain from participating banks. Certified MBEs that notify the Maryland Department of Housing and Community Development prior to obtaining qualifying loans from enrolled financial institutions may be able to receive a 2% discount on their loan(s). The Linked Deposit Program (LDP) looks to stimulate economic opportunities, enabling a qualified minority business enterprise access to affordable capital in order to grow and expand their business.
Microenterprise Loan Program The Microenterprise Loan Program is designed to provide entrepreneurs with flexible short-term financing for microenterprise start-ups and expansions within designated Sustainable Communities throughout the State. The Maryland Department of Housing & Community Development (DHCD) intends to provide these microloans through partnerships with community-based microlenders as Intermediaries that would originate and administer microenterprise loans.
Neighborhood BusinessWorks ( Formerly NBDP) The Neighborhood BusinessWorks Program (formerly named Neighborhood Business Development Program) provides flexible gap financing in the form of below-market interest rate loans to small businesses and nonprofit organizations locating or expanding in locally designated neighborhood revitalization areas. Financing ranges from $25,000 to $500,000 for up to 50 percent of a project's total cost.
State Small Business Credit Initiative (SSBCI) The State Small Business Credit Initiative program (SSBCI) provides an additional source of capital to help stimulate investment and revitalization efforts in Maryland’s older communities. The SSBCI loans provide flexible gap financing to small businesses locating or expanding in locally designated neighborhood revitalization areas throughout the State.

Eligibility

To qualify for state housing in Maryland, a household must typically earn no more than 80 percent of the area median income. Income guidelines vary from year to year and region to region. To live in state assisted elderly public housing, you must be at least 60 years old. If you are a person with a disability, you must meet certain criteria to be eligible for state or federal housing for disabled persons.

1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
15300 17450 19650 21800 23550 25300 27050 28800
25450 29050 32700 36300 39250 42150 45050 47950
40700 46500 52300 58100 62750 67400 72050 76700
1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
22600 25800 29050 32250 34850 37450 40000 42600
37650 43000 48400 53750 58050 62350 66650 70950
49200 56200 63250 70250 75900 81500 87150 92750
1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
15300 17450 19650 21800 23550 25300 27050 28800
25450 29050 32700 36300 39250 42150 45050 47950
40700 46500 52300 58100 62750 67400 72050 76700
1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
18000 20600 23150 25700 27800 29850 31900 33950
30000 34250 38550 42800 46250 49650 53100 56500
45500 52000 58500 65000 70200 75400 80600 85800
1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
17150 19600 22050 24450 26450 28400 30350 32300
28550 32600 36700 40750 44050 47300 50550 53800
45500 52000 58500 65000 70200 75400 80600 85800
1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
22600 25800 29050 32250 34850 37450 40000 42600
37650 43000 48400 53750 58050 62350 66650 70950
49200 56200 63250 70250 75900 81500 87150 92750
1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
15300 17450 19650 21800 23550 25300 27050 28800
25450 29050 32700 36300 39250 42150 45050 47950
40700 46500 52300 58100 62750 67400 72050 76700

Tenants who are income eligible, passed the criminal background, elderly, handicapped, and poor may avail of public housing programs, Persons who are homeless due to natural disasters, persons who are homeless due to public action; Persons with emergency needs (such as domestic violence victims, persons with medical emergencies, or homeless persons facing an immediate threat to their health and safety.

Unemployment and Housing Waiting Lists

The unemployment rate for Maryland fell 0.0 percentage points in March 2013 to 6.6 From a post peak low of 6.6% in February 2013, the unemployment rate has now grown by 0.0 percentage points. You can also see Maryland unemployment compared to other states.

Unemployment RateMarch 2013Month/MonthYear/Year
National 7.6% -0.1 -0.6
Maryland 6.6% 0.0 -0.1

The unemployment rate is found to correspond with the housing waiting lists. For more information, contact your Public Housing Authority.