Affordable Housing

Affordable Housing (HOME, LCAHP)

Lake County has grant funds and forgivable loans available annually for non-profit organizations, municipalities and developers for affordable housing projects and programs serving households under 80% of area median income. Eligible projects and programs include: acquisition, rehabilitation, new construction and homebuyer assistance.

The Lake County Board has also chosen to fund the Lake County Affordable Housing Program (LCAHP) with county dollars. This program aims to promote affordable housing activities for households that are ineligible under federal guidelines, but still in need of assistance - that is, households between 80% and 100% of area median income.


Details regarding information to apply for Lake County Housing Funds can be found on the Applicants page.

Reporting Forms

Details regarding information on reporting can be found on the Current Grantees page.

Utility Allowances

Lake County requires all affordable housing rental projects to utilize a utility allowance when calculating a household's rent payment. The utility allowance is subtracted from the HUD established rent limits, and the remaining amount is the amount the household may pay in monthly rent. Utility costs are determined by establishing a utility allowance for the unit size. The information below explains how to calculate a utility allowance for your project.

HOME Program Projects Committed on or after August 23, 2013: 

The Final HOME Rule requires all rental projects with HOME Program funds committed on or after August 23, 2013 to utilize one of five approved methods to determine the utility allowance for HOME Program units. Utilizing utility allowance information from the local Public Housing Authority is no longer permitted. To review the Final HOME Rule requirements and the five approved methods, please read the HOMEfires from May, 2016. HUD has published a Utility Schedule Model (HUSM) for use by PJs and developers. The HUSM is available as a web-based model or a Microsoft Excel Document (available for download from the HOMEfires publication site). If you have any questions on the new utility allowance requirements, please contact the Community Development team.

HOMEfires -

Web-based Model -

All Other HOME Program Projects, All LCAHP Projects and ALL CDBG Projects:

All rental projects not subject to the new requirements of the Final HOME Rule may utilize the utility allowance rates published by the local Public Housing Authority. Please contact the North Chicago Housing Authority, the Waukegan Housing Authority or the Lake County Housing Authority directly for their rates; rates are generally available online.

Management Guide

Lake County Community Development has developed a Management Guide that contains valuable information and guidance to grantees. Within the guide are numerous forms. Visit the Management Guide page for information.

Down Payment Assistance

First-time home buyers, or those who haven't owned a home for at least three years, may be eligible for down payment assistance through the Affordable Housing Corporation of Lake County. This organization also provides counseling in budgeting, improving credit and reducing debt.

Homeowner Rehabilitation Program

Current homeowners with a house that needs repairs or accessibility improvements may be eligible for financial assistance. If the property is located in Waukegan, please contact the City of Waukegan, as it administers its own Homeowner Rehabilitation Program.  If your home is located elsewhere in Lake County, please contact the Affordable Housing Corporation of Lake County for more information.

Rental Assistance

Please contact the Lake County Housing Authority, the North Chicago Housing Authority or the Waukegan Housing Authority for information regarding low-rent housing and housing assistance to eligible families, elderly families and single persons.

Affordable Housing Lists

Senior citizens may consult the Senior Affordable Housing list for contact information of complexes in Lake County.