Hillsborough County Home Repair Grants (2026)

Who this program actually covers

Hillsborough County's Affordable Housing Services office runs OOR specifically for unincorporated parts of the county plus Plant City and Temple Terrace. Tampa has its own separate rehabilitation program (see our Tampa guide), so if you're a Tampa resident, this isn't the one to apply to. It works as an interest-free deferred-payment loan — secured by a mortgage lien and promissory note — with the principal forgiven gradually over 5 to 15 years as long as you stay in the home.

Eligibility and how to apply

• Income: household at or below 80% of Area Median Income (AMI).
• Location: unincorporated Hillsborough County, Plant City, or Temple Terrace only — not Tampa.
• Homeownership: homestead exemption held for 2+ years; single-family home, villa, or condo; no more than one mortgage; can't own other real estate.
• Property caps: roughly $300,000 appraised value / 2,000 square feet.
• Standing: current on property taxes and county utilities; no assistance from this or a similar county program within the past 5 years.
• Apply: through Hillsborough County Affordable Housing Services — see hcfl.gov.

Pro tip from our network contractors

Because the loan is secured by a lien on your home, ask the county upfront how the forgiveness schedule interacts with a future sale or refinance — the answer changes depending on how large your award is.

If you live in Tampa itself

Tampa runs a separate Owner-Occupied Rehab program described only in general terms on the city's site, with a related district-specific program (HRRP) currently closed pending 2026 refunding — see our home repair grants by city and county guide for what's confirmed about Tampa's program, and Florida's statewide SHIP program in our government home repair grants by state guide.