Housing Programs


Working to bring housing within reach for everyone.
    


Ipswich Housing Program is a part of the Department of Planning and Development. The Housing Program strives to assist people with affordable housing issues such as availability, accessibility, opportunity, choice, and diversity. The Housing Program assists in finding, building, and repairing affordable housing by working with individuals, families, nonprofits and developers. 
The Ipswich Housing Partnership (IHP) and the Affordable Housing Trust Fund Board (AHTFB) are motivated and compassionate groups dedicated to helping individuals and families obtain and remain in affordable housing. The IHP and AHTFB hold that a diverse community is a vibrant and flourishing community.

Affordable Housing (Rental/Ownership)
Strict definition: housing affordable to households earning 80% or less of regional median household income. Broader view: any housing preservation/ creation that results in more opportunities for persons of moderate means to live in Ipswich. Click here to see current affordable housing opportunities.

First Time Buyers Loan Program
Through this program, assistance up to $10,000 is available that can be used for down payments, legal costs, closing costs, or repairs. Loans are 0% interest and require no monthly payment. Loans that come from the Ipswich Affordable Housing Trust Fund are for 15 years with no interest and no monthly payments, but these must be ultimately repaid. Click here for the application.

Home Rehabilitation Loan Program

Cash for home repairs for low and moderate income seniors, veterans, handicapped, and others. This program is designed to offer assistance to homeowners who otherwise would not be able to afford to make necessary repairs. This program offers loans ($10,000-$30,000) to income-qualified homeowners who wish to make repairs to their homes. Sources for these loans include federal HOME, the Ipswich Affordable Housing Trust Fund, and the Coburn Charitable Society. HOME loans can be forgiven if the owner stays in the home for ten years; others need to be repaid (loan obligation is in effect until sale or transfer, re-finance, or death). Click here for the Home Rehabilitation Loan Application.

-Creation of Income-Restricted Housing 
-Accessory Building Program 
 -Inclusionary Zoning

For more information about affordable housing please contact:
Caja Johnson
Housing Coordinator
Planning Assistant
978.356.6607 ext.5

   
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