Not a government agency. We point you to the official office and show where every fact came from.

The Daily Check

Program

Escambia County / Pensacola home repair (SHIP)

State housing money for home repairs, handled by your local city or county office.

What it can pay for

Official name
State Housing Initiatives Partnership (SHIP) — owner-occupied home repair, Escambia County / City of Pensacola
Where
Florida
Status
Paused
Most it pays
$75,000 per-project
About the amount
Escambia County: rehab up to $75,000 (grants ≤$10,000); emergency/barrier removal up to $25,000 (≤$10,000 = grant); reconstruction $215,000+$15,000. City of Pensacola: repair up to $55,000; emergency (Very Low only) $25,000; home accessibility grant $10,000 (no lien); reconstruction $250,000. Real FY2022-23 average: rehab ≈$36,577, emergency ≈$8,555.
Housing rules
Owner-occupied, homestead exemption on file, taxes current, no county/city liens or judgments. SPLIT BY JURISDICTION: City of Pensacola now has a full mobile-home strategy (FY2026-28 LHAP, posted 9/4/2026) — up to $15,000 repairs (0% loan forgiven after 10 yrs), up to $5,000 lot-rent assistance (6 months), up to $10,000 relocation after a park closure; manufactured housing built after June 1994 eligible. Escambia County has NOT added one — its plan (last updated 9/22/2025) still says mobile/manufactured homes are not eligible, no lot-rent strategy. SB 594 (eff. 7/1/2026) requires every local plan to add a mobile-home strategy; the county hasn't yet amended its plan.
How long it takes
Not officially published; each year's SHIP money must be encumbered within 2 years and spent within 3, so lists move in bursts tied to the state fiscal year (July 1).
How to apply
Call the local SHIP office for your address: unincorporated Escambia County → Neighborhood Enterprise Division; inside Pensacola city limits → City of Pensacola Housing Department. No statewide deadline; counties must advertise funding 30 days ahead UNLESS the program is wait-list only, in which case no ad is required at all.
Does not pay for
Full rehab won't touch a job if one repair item exceeds 50% of the home's appraised value (pushed to reconstruction instead). Temporary relocation not offered for emergency/accessibility jobs in Pensacola.
Official source
floridahousing.org
Last checked
September 28, 2026