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Martin County Housing Assistance


Homeowner Assistance Programs

Listed here are available programs available to homeowners looking for mortgage relief and first-time, home-buyer assistance. Please note, these resources are not facilitated by Martin County Human Services.

The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible frontline community workers such as law enforcement officers, firefighters, educators, healthcare professionals, childcare employees, and active military or veterans.

This program provides down payment and closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community in which they work and serve. The Florida Hometown Heroes Loan Program also offers a lower first mortgage rate and additional special benefits to those who have served and continue to serve their country.



Martin County’s Housing Program serves to meet the housing needs of the very low, low, and moderate income households of Martin County, to expand production of and preserve affordable housing, and further the housing element of Martin County’s comprehensive plan specific to affordable housing.

Please note: 

Martin County Human Services does not locate rental units or homes. It is the applicant’s responsibility to locate their rental unit or home. If you need assistance with services not offered by Human Services, we encourage you to review our Resource Guide, which lists community agencies that may offer the service(s) that you are looking for.

You may also search floridahousingsearch.org; a free, state resource for renters and property managers in Florida that provides detailed information about rental properties and helps people find housing to best fit their needs. For help searching and listing, please call 1-877-428-8844 (toll free) Monday-Friday, 9 a.m.-8 p.m Dial 7-1-1 for TTY. Dial 2-1-1 if you are in a housing crisis.

The State Housing Initiative Partnership (SHIP) Program is a Martin County sponsored program to provide loans to very-low, low, and moderate income persons to assist them in obtaining a home or rehabilitating their existing home. Under the SHIP program, qualified Martin County homeowners can request income-related housing rehabilitation assistance. Learn More

Down payment assistance / closing cost assistance: Martin County has available funding for down payment assistance. This funding is intended to make purchasing a home more affordable by providing down payment and/or closing cost assistance.

Martin County provides up to a 20-year amortized mortgage with 0% interest. The county presently provides up to $50,000 in assistance. Borrowers must be first-time homebuyers who have not owned a principal residence during the past three years and must occupy the purchased home as their principal residence.

Household income may not exceed the following limits within Martin County:

1 2 3 4 5 6 7 8
$44,800 $51,200 $57,600 $64,000


$74,250 $79,400



The single-family home may be attached or detached, a condominium, a townhouse, or a townhome. Homes must be located within the unincorporated areas of the county. The total purchase price of a home cannot exceed $301,000.00. 

If you are interested, please contact Dawn Cobb, Housing Program Coordinator at (772) 288-5456 or email dcobb@martin.fl.us.

The Community Development Block Grant (CDBG) Program provides grants to develop viable urban communities by providing decent housing and a suitable living environment, and by expanding economic opportunities, principally for low and moderate income (LMI) persons. The strategies for these grants are as follows:

Neighborhood revitalization:

Infrastructure in LMI neighborhoods at least 51% must be LMI.

  • Eligible activities: water, sewer, roads, storm drains, neighborhood centers, parks, sidewalks.

Housing rehabilitation:

Rehabilitation/repair in LMI households.

  • Eligible activities: code, safety and hardening.

Commercial revitalization:

CRA improvements in LMI CRA-wide at least 51% in the CRA.

  • Eligible activities: sidewalks, parking, lighting, building code, sewer, water, flood and drainage.

Economic development:

Infrastructure needed for business expansion or new business – job creation is required.

  •  Eligible activities: water, sewer, rail, traffic, roads, gas, fiber. 

How to Apply

To apply for housing assistance, including the SHIP Program and/or HOME Grant, please select the "Online Application Portal" button below, then select "Register." Once you create an account, you will be able to submit an application. If you have any questions regarding this online portal, please call us at (772) 288-5456.

If you are unable to register and complete the application online, please call us at (772) 288-5456 to schedule an appointment, and we will arrange for you to complete the application in our office, located at 435 SE Flagler Avenue in Stuart, Monday – Friday, 8 a.m. to 5 p.m.

For any additional questions, please select the "Submit a Request for Help or Information" button below to submit an inquiry online, or contact Martin County Human Services Monday – Friday, 8 a.m. to 5 p.m., at (772) 288-5456.

ADA, EEO & Fair Housing: