Developing Affordable Housing

Affordable Housing Resources as a renter or homeowner

FY 2022/23, FY 2023/24 & FY 2024/25 CDBG Kickoff Meeting Information

October 7, 2021 Kickoff Meeting Packet

Developing Affordable Housing

The Department of Conservation and Development facilitates the development of affordable housing by working with housing developers. Staff is available to discuss project proposals with developers in the early planning states of a development in order to assist the developer in creating viable and innovative solutions to providing affordable housing.

HUD Utility Schedule Model*

2021 HOME Income Limits

2021 CDBG Income Limits

2021 HOME Rent Limits

2021 HUD Utility Schedule

*HUD has developed a Utility Schedule Model that enables the user to calculate utility schedules by housing type after entering utility rate information for HOME funded projects effective January 24, 2015

Ohlone 1.9 3

Ohlone Gardens is a 57-unit apartments for low-income families and those with special needs in El Cerrito. 

Affordable Housing Financing Programs

Click on a link for information about a program

  1. Multi-Family Mortgage Revenue Bonds
  2. HOME
  3. CDBG
  4. Special Needs Hsg Development

Multi-Family Mortgage Revenue Bonds

For Detailed information, see the County Debt Policy (PDF).

Program Information

The purpose of the Program is: (1) to increase the supply of rental housing in the County; and

(2) to provide housing units affordable for lower income residents.

Project loans made by the County have been as small as $425,000 for a ten unit development to as much as $60 million for a larger project.

The project will be able to use tax-exempt revenue bonds issued by the County pursuant to Section 52075 of the California Health & Safety Code, and applicable provisions of the Internal Revenue Code. The bonds will not involve any pledge of County revenues, taxes, or assets.

Bonds may be issued for projects which:

  • (a) meet program requirements;
  • (b) are located in the unincorporated areas of the County or in incorporated areas with approval by both the applicable City and the County;
  • (c) have a commitment fee paid by the developer; and
  • (d) have a developer loan commitment from, an acceptable lender and/or credit enhancement provider.

Loans under the multifamily bond program will generally be amortized for 30 years and will be due at the expiration of the credit enhancement (e.g., typically 7 years for a letter of credit, 40 years for FHA insurance). The bonds may remain outstanding with an extended or replacement credit enhancement. Effective loan rates will depend upon market conditions at the time of bond sale, and the type of bond structure. Bonds to be issued will generally be rated by a nationally recognized rating agency, and carry at least an "A" rating. If a developer is contemplating an issuance of unrated bonds, the developer should immediately contact the County for additional guidance.

County Ordinances for Affordable Housing

Residential Density Ordinance

The Residential Density Bonus Ordinance (density bonus) is a mechanism to provide incentives for the production of affordable housing for very-low, lower-income, and senior households. The incentives include an increase in the maximum allowed residential density in the General Plan and additional incentives.

Download State Density Bonus Code

Download Ordinance

Download Density Bonus Submittal Requirement Checklist

Inclusionary Housing Ordinance

The Inclusionary Housing Ordinance requires new residential developments to include a minimum percentage of dwelling units that are affordable to very-low, lower and moderate income households. In residential developments of five (5) or more units, fifteen percent (15%) of the dwelling units must be affordable. Developments of four (4) or fewer units are not subject to the requirements of the recommended Ordinance. The recommended Ordinance provides some alternative compliance options, including the payment of fees in-lieu of developing affordable units ("in-lieu fee"), allowing the affordable units to be developed on a separate site and allowing a developer to convey land suitable for affordable housing development to a qualified affordable housing developer. In addition, the County may consider any other reasonable alternative that a developer proposes.

Download Ordinance

Download Housing Plan Checklist

Download Fee Calculator (Excel)


Resources for Developers

Contra Costa County Affordable Housing Program Guidelines
View Document

Contra Costa County Single-Family Rehabilitation Standards
View Document

Contra Costa County Multiple-Family Rehabilitation Standards
View Document

US Department of Housing and Urban Development (HUD)
Information on Federal Programs (like HOME and HOPWA) that are administered by HUD 
View Website

California Department of Housing and Community Development
State Department on Housing Related Programs 
View Website

Section 3 Plan
Section 3 is intended to ensure employment and contracting opportunities for low income persons or businesses residing within Contra Costa County. Section 3 is specific to HUD funded projects and activities involving housing construction, rehabilitation, demolition, or other public construction. 
View Section 3 Plan

Resources for Property Managers/Owners

Compliance in HOME Rental Projects: A Guide for Property Owners (2009)
View Guide

FOCUS Compliance Reports
View Website

Rent Increase Request Form
View Document

Monitoring Resources
Important Things to Know
Income Determination Guide
Lease Review Checklist 
Regulatory Agreements 
Tenant File Review Checklist
Annual Compliance Report 
HOME Physical Inspection Checklist
HOME Rent Rules

  1. Kristin Sherk

    Senior Planner
    Phone: (925) 655-2889

  1. Affordable Housing

    Physical Address
    30 Muir Road
    Martinez, CA 94553

    Phone: 925-655-2708