Home Ownership
The City of Kannapolis works with agencies to make energy-efficient, environmentally friendly homes affordable through a combination of down payment assistance, grants and other financial resources. Families that are eligible for home ownership assistance must earn less than 80 percent of the area median income. The income limits are in the chart below. Housing assistance applications are available under the Forms & Documents section.
2024 Income Determination Chart
| Family Size |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
| Cabarrus County Residents |
$59,400 |
$67,850 |
$76,350 |
$84,800 |
$91,600 |
$98,400 |
$105,200 |
$111,950 |
| Rowan County Residents |
$45,000 |
$51,400 |
$57,850 |
$64,250 |
$69,400 |
$74,550 |
$79,700 |
$84,850 |
Housing and Foreclosure Counseling
Prosperity Unlimited, Inc., and Community Link are HUD-approved housing counseling agencies. These organizations provide free counseling and classes to assist individuals with issues such as:
- Mortgage counseling and foreclosure prevention
- Homebuyer education
- Credit review and counseling
- Budget and money management
- Financial literacy
- Debt repayment
The City has some limited programs for housing assistance. For additional information, contact Sherry Gordon, Community Development Program Administrator
704-920-4332 or by email.
Contact these organizations at:
Prosperity Unlimited
1660 Garnet St.
Kannapolis, NC 28083
704-933-7405
www.prosperitycdc.org
Community Link
601 East 5th St., Suite 220
Charlotte, NC 28202
1-800-977-1969
www.communitylink-nc.org
Urgent Repair Program
The City has a limited amount of funds available for urgent repairs for homeowners based on these criteria:
- Applicant must own their home and use it as a primary residence.
- Applicant must live within City limits and be current on their property tax bill and utilities.
- Applicant’s household income must fall below 80% of the area median income (as defined by HUD).
- There is a $8,000 cap for assistance per dwelling unit. For the safety of the household, repairs that are estimated to exceed $8,000 will not be done.
Eligible repairs must meet the programs goals and may include:
- Emergency roof repairs
- Accessibility repairs (ramps, handrails)
- Furnace/heater replacement/upgrade
- Water heater repair/replacement
Priority will be given to households that have not previously received housing assistance from the City.
Housing Rehabilitation Program
Occasionally, the City has funds available for the rehabilitation of single-family homes. Housing rehabilitation is the comprehensive repair and improvement of homes that have fallen into substandard condition. The program is designed to help low- income households that would be unable to make the necessary repairs without financial assistance.
For repairs to be eligible for this program, the home must require a more comprehensive rehabilitation to meet minimum housing standards. Heating, wiring, plumbing, roofing, structural repairs, handicap accessibility, insulation and energy efficiency improvements are among the types of repairs that can be made. Assistance is provided in the form of 0% interest forgivable loans.
If funds are available, the Housing Rehabilitation Program can be used to assist households based on these criteria:
- Applicant must own their home and use it as a primary residence.
- Applicant must live within City limits and be current on their property tax bill and water bill.
- Applicant’s household income must fall below 80% of the area median income (as defined by HUD).
- In addition, there are requirements related to location, property and project feasibility that must be considered before a rehabilitation project can be approved.
Other Types of Housing Assistance
Section 8
The City does not have a housing authority and does not administer a Section 8 rental program. However, you can contact the Concord Housing Authority at 704-920-6100 or the Rowan County Housing Authority at 704-633-1410 for more information on public housing and Section 8 vouchers available throughout the two counties.
Renters
If you are renting your home, contact your landlord. Property owners are required to ensure that their property meets City code. You can contact Code Enforcement if you believe that your home is not being maintained according to these standards.
Senior Rental Units
The Villa at Forest Park, located at S. Little Texas Road and Forest Park Drive, is an age-restricted, affordable apartment community. One-and two-bedroom units are available to qualifying residents (age 55 and over and meeting certain income limits) at affordable rates. For additional information, contact the Site Manager at 704-935-1485.
Homelessness and Transitional Housing
Cooperative Christian Ministry operates a transitional housing program and can direct homeless clients or those at risk of homelessness to additional resources. For more information, go to the CCM website.