County program
City of Pensacola Housing Repair, Emergency Repair, Home Accessibility Grant and Mobile Home Strategy (SHIP)
City of Pensacola ONLY (a separate SHIP Local Housing Assistance Plan from unincorporated Escambia County)
What it can pay for
- roof
- grab bars
- raised toilet
- tub cut
- bathroom changes
- wider doors
- handrails
- ramps
- heating and air
- plumbing
- electrical
- Run by
- City of Pensacola Housing Department
- Where
- Escambia County, Florida
- Status
- Call to check
- Status note
- Current open/waitlist/closed status for the City of Pensacola's own program was not separately confirmed this pass (the county's page above confirms the COUNTY program is wait-list only, but the city runs an independently funded, independently administered plan). Call the City of Pensacola Housing Department to check current intake status before assuming it mirrors the county.
- Most it pays
- $55,000
- Terms
- The $10,000 Home Accessibility Grant carries NO lien. Repair and emergency-repair strategies over $10,000 become deferred-payment loans with a lien, forgiven over 5-20 years depending on strategy - confirm the exact term with the city before signing. Mobile-home rehab/emergency repair is a 0% loan forgiven after 10 years.
- Who qualifies
- Same Escambia/Pensacola 2026 AMI table as the county program (Very Low $32,650/1p; Low $52,250/1p; Moderate $78,360/1p - effective 5/1/2026).
- Other rules
- May not have total liquid assets of $50,000 or more. Active homestead exemption, taxes current. Temporary relocation is NOT offered for emergency/accessibility jobs in Pensacola, so the applicant must be able to stay in the home (or arrange their own alternate housing) during the work.
- How to apply
- Call or visit the City of Pensacola Housing Department.
- Official source
- cityofpensacola.com
- Last checked
- September 28, 2026