The City of Salem offers a number of services to address the community’s housing needs, including rehabilitating our current housing stock, developing new housing opportunities, assisting families to acquire housing and enabling struggling families to remain in their homes.
Housing Stability Services
Click here to be directed to the webpage (under construction).
Click here for the Drop-In Hours flyer.
First Time Homebuyer Down Payment Assistance Loan Programs
Downpayment assistance is available for low- and moderate-income first-time homebuyers through the City of Salem's First-Time Homebuyer Downpayment Assistance Loan Program (FTHB). The FTHB Program requires matching funds and can be used for properties in the City of Salem only. Homebuyers must meet eligibility requirements.
- FTHB Program Guidelines (English)
- FTHB Program Guidelines (Spanish)
- Application (English)
- Application (Spanish)
- Application Checklist (English)
- Application Checklist (Spanish)
Housing Rehabilitation Loan Programs
To start the process and get on the waitlist for either the Owner-Occupied or Investor-Owned Loan Programs, please fill out and submit the Loan Program Pre-Qualification Form:
Owner Occupied Loan Program
Housing rehabilitation assistance is available to low- and moderate-income homeowners for 1-4 unit homes.
- Program Guidelines for Owner-Occupied Properties (English)
- Program Guidelines for Owner-Occupied Properties (Spanish)
- Rehabilitation Program Checklist (English)
- Rehabilitation Program Checklist (Spanish)
Investor Owned (Landlord) Loan Program
Housing Rehab assistance is available to landlords with low- and moderate-income tenants in 1-7 unit properties.
- Program Guidelines for Investor-Owned Properties
- Program Guidelines for Investor-Owned Properties (Spanish)
- Loan Program Checklist
If you intend to improve tenant units in your owner-occupied property, the following are also applicable:
- Tenant Checklist (English)
- Tenant Checklist (Spanish)
- Tenant Application (English)
- Tenant Application (Spanish)
Are you a contracting firm that is interested in bidding on any of our housing rehabilitation projects?
Please review the following information for contractors to see if your firm qualifies:
- Contractor Brochure (English)
- Contractor Brochure (Spanish)
- Contractor Application (English)
- Contractor Application (Spanish)
Get the Lead Out Loan Program
Salem has temporarily suspended administration of this program. Please refer to the State sight for a list of participating local rehabilitation agencies: https://www.masshousing.com/home-ownership/homeowners
Affordable Accessory Dwelling Units
Affordable Accessory Dwelling Units (ADUs) are allowed by right in Salem. Facts about ADUs are available here: https://www.salemma.gov/adu .
AFFORDABLE ACCESSORY DWELLING UNIT TAX EXEMPTION
On September 23, 2022, Governor Charlie Baker signed into law a special state act granting homeowners in Salem the option of exempting the value of an accessory dwelling unit (ADU) on their property from their property taxes, so long as they are renting the ADU, including utilities, for a monthly amount affordable for those at or below 70% of the area median income. Currently, that means to qualify for the tax discount, the maximum rent and utilities for a studio ADU would be $1,417.50/month, for a one bedroom it would be $1,538.60, and for a two bedroom it would be $1,844.50. Salem homeowners who may be eligible for this property tax exemption should contact the Assessor’s Office at (978) 619-5608. Applications for the exemption must be submitted annually.
AFFORDABLE ACCESSORY DWELLING UNIT GRANT PROGRAM
To apply for an ADU Construction Grant, click here. These grants fund up to 50 percent or $45,000 of the eligible construction cost to build an ADU, whichever is less. Eligible construction costs include materials to build the accessory dwelling unit and labor for licensed contractors to build an accessory dwelling unit and that meet the grant’s qualification criteria.
To apply for an ADU Design Grant, click here. These grants fund up to 50 percent of the eligible cost or $2,500, whichever is less, for ADU plans to be created. Eligible design costs include labor for a licensed architect or contractor to prepare a set of accessory dwelling units plans that are acceptable to the building department and that meet the grant’s qualification criteria.
Foreclosure Prevention, Predatory Lending and Legal Resources
Click here for a list of resources on foreclosure prevention, predatory lending and legal resources.
Click here for the Essex County Bar Association/City of Salem Housing Stability webpage
Fair Housing and Housing Discrimination
Click here for information on Fair Housing and what to do if you think you have been discriminated against.
In addition to the resources offered by the City, there are a number of other state, federal and private programs available to help you address your housing needs:
- Homebuyer Education
- Homebuyer Assistance
- Affordable Properties for Sale or Rent
- Tenant Rights
- Landlord Rights & Duties
- Housing Rehabilitation Assistance
- Lead Based Paint Hazard Abatement
- Refinancing Assistance
- Mass Access Housing Registry - a free online program that matches people with disabilities with accessible housing in the community.
MassSave Energy Savings Programs
Mass Save® is an initiative sponsored by Massachusetts’ gas and electric utilities and energy efficiency service providers. The Sponsors of Mass Save work closely with the Massachusetts Department of Energy Resources to provide a wide range of services, incentives, trainings, and information promoting energy efficiency that help residents and businesses manage energy use and related costs.
All residents and businesses, regardless of income levels, are eligible for a range of energy efficiency services including free home energy assessments, weatherization improvement incentives, appliance rebates, and more. Read more information about MassSave here.
For more information on housing programs, contact Naomi Francisco at 978-745-9595, Ext. 5685 or email@example.com
To contact the Salem Housing Authority for information on subsidized housing, please click here.