Bay County Building
515 Center Avenue, Suite 703
Bay City, Michigan 48708-5941
Voice: (989) 895-4037
Fax: (989) 895-4039
(989) 895-4138

The Bay County Housing Rehabilitation Program is designed to restore single family, homeowner occupied, year-round residential property to meet state and local building code standards.  Homes must be located in Bay County, but outside the City of Bay City limits.  Your total household income determines which program can assist you.  All applications received are considered on a first come, first served basis.  Work to be done is also based on funding limitations and the amount of funds available. 

The Bay Area Housing, Inc. under the Bay County Housing Rehabilitation section administers the program for Bay County.  The mission of the Housing Rehabilitation Program is to conserve and improve the housing stocks in Bay County for moderate- to low-income home owners. With funds provided by the Michigan State Housing Development Authority (MSHDA), an applicant, depending on their income level, a 0-percent deferred loan that is repaid at the time of ownership or occupancy change.

The Housing Rehabilitation Program uses Uniform Physical Condition Standards (UPCS) and MSHDA Rehabilitation Standards/Specifications for total code enforcement on existing homes. Housing repair loans are available upon approval from the Bay County Housing Rehabilitation Program. The maximum loan amount is $40,000, which is used for the elimination of local, and state building code violations, and other necessary repairs or improvements.

Homeowners interested in funding assistance from the Bay County Housing Rehabilitation Program must complete a Pre-Qualification Form (PQF) as the first step in the application process.  The PQF streamlines the qualifying process by allowing a quick evaluation for the major program requirments.  This is done to save the applicant the time and expense of filling out the full application if he/she does not meet the minimum requirements.

If you have questions regarding the Bay County Housing Rehabilitation Program, please contact Bay Area Housing, Inc., 114 Washington Avenue, Bay City, Michigan 48708 - phone number:  989-893-9292

City of Bay City Housing Redevelopment/Rehabilitation:
If you live in the city limits of Bay City, contact the Bay City Housing Redevelopment Department at 989-894-8158.

Michigan State Housing Development Authority (MSHDA) Property Improvement Program (PIP):
MISHDA's PIP provides low interest loans to improve your home. 

Community Development Block Grant (CDBG)

 Community Development Block Grant (CDBG) Contacts in Michigan

Related Links

Bay City Housing Commission:
Offers affordable rental housing for qualified low income individuals and families. Located at 1200 N Madison Avenue, Bay City, MI 48708-5234. For more information call 989-892-9581.

Bay County Habitat for Humanity:
A nonprofit, ecumenical Christian housing ministry dedicated to eliminating substandard housing and homelessness throughout Bay County and to making adequate, affordable shelter a matter of conscience and action.  For more information call 989-895-0980.

Department of Human Services (DHS) - Emergency Services Program:
The State Emergency Relief (SER) Program provides help to low-income households to meet emergency needs such as: Heat & Utilities, Home Repairs, Relocation Assistance and Home Ownership Services. For more information call 989-895-2100.

Disabilities Resource Center - Ramp Building Program:
This program helps to build ramps in order to make a home accessible for a wheelchair or an amigo. Ramps are built to meet ADA codes. For more information call 989-895-5444.

Mid-Michigan Community Action Agency (MMCAA) Weatherization and Heating Program:
Contact the MMCAA Office at 111 Washington Avenue, Bay City, MI 48708 - phone number 989-894-9060 for more information.

United Way - Tuesday Toolman:
This program offers free, minor home maintenance for qualifying Bay County residents.  For more information call 989-893-7508 x-15.