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Housing Resources
Affordable Housing Updates
Please sign up for up-to-date information about affordable housing in Encinitas by visiting our City Updates webpage, input your email address, check the "Affordable Housing" box and complete the prompts at the bottom of the screen.
Affordable Housing Dashboard
Check out the map at the bottom of this page to find where affordable housing is located in Encinitas, the affordability level of the residential units and contact information for the developments. This resource is kept up to date as projects are being processed at the City.
The Community Development Block Grant (CDBG) Program is a federal housing and community development program administered by the Department of Housing and Urban Development (HUD). The City of Encinitas is an entitlement jurisdiction, which means the City receives a CDBG grant annually to assist with housing and community development activities.
2025-2029 Consolidated Plan - City Seeks Community Input
The City is in the process of preparing the next 5-year plan. A critical part of the process is seeking the community’s input on how to most effectively use the HUD funding over the next five years. Make sure your voice is heard!
Here are two ways you can participate in the Consolidated Plan process:
1. Complete the Community Needs Survey by Tuesday, December 10 at the following link: https://www.surveymonkey.com/r/S8NPKTN
2. Attend a community meeting hosted by the City:
Tuesday, December 3 at 6pm at City Hall in the Poinsettia Room
Please RSVP to Cindy Schubert at cschubert@encinitasca.gov
If you require special assistance to participate in this meeting, please contact the Development Services Department at (760) 633-2626 at least 72 hours prior to the meeting.
La presentación será en inglés. Llame al (760) 633-2723 antes del 4 de noviembre o 2 de diciembre si lo necesita servicios de traducción durante la presentación. Para mas información, contacte con Cindy Schubert, Housing Management Analyst por correo electrónico cschubert@encinitasca.gov.
City of Encinitas Program
Every year in the Spring, the City of Encinitas City Council approves how the City’s CDBG funding will be allocated. The funding is typically allocated into three categories: public services, fair housing and administration, and capital improvements. CDBG requirements limit funding for public services to 15 percent of the annual grant, and 20 percent for fair housing and administration. Below are plans and documents which describe how the City of Encinitas carries out the CDBG program.
- Managing CDBG - Subrecipient Guidebook
- Policies and Procedures for the CDBG Program
- Citizen and Community Participation Plan for the CDBG Program
- Limited English Proficiency Plan
- HUD CDBG Program
Fair Housing
As part of their CDBG program, the City of Encinitas must affirmatively further fair housing and promote equal access to housing. Please visit the City’s Fair Housing Page for more information about Fair Housing issues, rights, education, and services.
Section 3
The City also must make a good faith effort to ensure that employment, training, and contracting opportunities for lower-income residents are available for certain types of CDBG funded projects.
Reports
Consolidated Plan – Five Year Planning Document to Identify Priority Needs and Goals
- FY 2020-25 – Approved by the City Council on April 22, 2020
Annual Action Plan – Annual Funding Plan Consistent with Consolidated Plan
- FY 2024-25 - Approved by the City Council on April 24, 2024
- FY 2023-24 - Approved by the City Council on April 26, 2023
- FY 2022-23 – Approved by the City Council on April 27, 2022
- FY 2021-22 – Approved by the City Council on April 28, 2021
Consolidated Annual Performance Evaluation Report (CAPER) –Annual Accomplishments and Expenditures
- FY 2023-24 - Approved by the City Council on September 25, 2024
- FY 2022-23 – Approved by the City Council on September 20, 2023
- FY 2021-22 – Approved by the City Council on September 21, 2022
- FY 2020-21 – Approved by the City Council on September 22, 2021
CDBG Staff Contact
Cindy Schubert
Management Analyst
(760) 633-2726
cschubert@encinitasca.gov
Fair Housing is a right protected by Federal and State laws that ensure all people have an equal opportunity to access housing of their choice. Fair Housing laws prohibit discrimination in the sale or rental of housing based on race, color, religion, national origin, family status, disability, sexual preference, source of income, or any arbitrary status.
City of Encinitas Program
As a recipient of Community Development Block Grant (CDBG) program, the City of Encinitas must affirmatively further fair housing. Part of this effort includes completion of an Analysis of Impediments to Fair Housing Choice (AI) approximately every five years. The AI evaluates the nature and extent of housing discrimination and examines factors that may impede housing choice.
Additionally, the City of Encinitas contracts with a fair housing provider to offer fair housing services for Encinitas residents and housing providers at no cost. The current fair housing service provider is Legal Aid, which mediates and assists with filing fair housing complaints. Legal Aid also offers several educational tools, including workshops and written materials, and conducts testing to ascertain if fair housing issues are occurring in the City.
- Legal Aid Society of San Diego (844) 449-3500
- California Western Community Law Project or call (619) 780-7498
Free Fair Housing Webinar
Join Legal Aid Society of San Diego for a FREE training open to anyone – applicants for renting, tenants, and housing providers! Learn about your rights and responsibilities under anti-discrimination laws.
Fair Housing Basics
Date: Friday, October 18 at 10:00am
Webinar Registration
Fair Housing Basics
Date: Tuesday, November 12 at 1:00pm
Webinar Registration
Fair Housing Basics
Date: Wednesday, December 11 at 3:00pm
Webinar Registration
Reports
San Diego Regional Analysis of Impediments to Fair Housing Choice - A review of impediments or barriers that affect the rights of fair housing choice
- FY 2015-20 – Approved by the City Council on May 13, 2015
- FY 2020-25 – Approved by the City Council on June 24, 2020
Additional Resources
- Legal Aid Society of San Diego Fair Housing Brochure English Spanish
- Source of Income English Flyer Spanish Flyer FAQ English FAQ Spanish
- San Diego Regional Alliance for Fair Housing
- HUD Fair Housing and Equal Opportunity (800) 669-9777
- California Department of Fair Employment and Housing (800) 884-1684
- AB1482 Rental Rate Increase and Eviction Rights
- Department of Fair Employment and Housing Source of Income FAQ
Affordable housing offers lower-income households the opportunity to rent or purchase a home at a cost that is below the market price. The Department of Housing and Urban Development (HUD) establishes the area median income (AMI) limits on an annual basis, which is used to qualify households for affordable housing. Restrictions are based upon defined percentages of the AMI, such as 30% AMI (extremely low income), 50% (very low income), 80% (low income), and 120% (moderate income). Rents and affordable housing costs will vary depending upon the AMI restriction.
For more information, please contact: Cindy Schubert, Management Analyst at (760) 633-2726 or cschubert@encinitasca.gov.
Income and Rents Schedule
Affordable housing provides an opportunity for lower income households to live at a cost that is generally below the market price. Income limits and rents are capped at specific percentages of the Area Median Income (AMI). The income limits are established by the federal Department of Housing and Urban Development (HUD), and are updated on an annual basis. Each affordable housing unit will have different income and rent limits. Please see the most current Income and Rent schedule below to determine the maximum allowable household income and rent that can be charged.
- Applicable for the Affordable Unit Policy, Density Bonus, and Inclusionary housing units built before 2015 (HUD): 2024 HUD Income and Rent Schedule
- Applicable for Density Bonus and Inclusionary housing units built after 2015 (HCD): 2024 HCD Income and Affordable Rent Schedule and 2024 HCD Income and Affordable Housing Cost Schedule
HOME Program
The HOME Investment Partnership Program is a federally funded affordable housing program through HUD and provides separate income and rent limits. The HOME program limits are updated annually.
For more information about the HOME program and property management resources, please visit the HOME Program Website.
Utility Allowance Schedule
Affordable units include an allowance for tenant-paid utilities, such as water or electricity. The Encinitas Housing Authority publishes a Utility Allowance Schedule on an annual basis, and is utilized for all of the affordable housing units within the City.
Compliance Monitoring
The City monitors the affordable housing units on an annual basis to ensure continued compliance with affordability restrictions and requirements. The following forms are some of the primary tools used in the monitoring process.
Affordable Housing Updates
Please sign up for up-to-date information about affordable housing in Encinitas by visiting our City Updates webpage: https://www.encinitasca.gov/i-want-to/register-for/city-updates, input your email address, check the "Affordable Housing" box and complete the prompts at the bottom of the screen.
Residential Rehabilitation Program
The City of Encinitas operates a Residential Rehabilitation Program, and the intention of the program is to ensure that residents are living in decent, safe, sanitary homes. Through federal funding sources, the program provides grants and/or low-interest, deferred, and/or forgivable loans for needed home repairs, such as building code violations, health and safety issues, essential repairs of major component systems and general improvements.
As of October 2024, the City of Encinitas is accepting applications for the Residential Rehabilitation Program.
- Program Application in English
- Program Application en Espanol
- Program Guidelines
- HCD Manufactured Home Alterations Permit Guide
For more information, please contact: (760) 943-2293, or cschubert@encinitasca.gov.
County of San Diego First-Time Homebuyer Down Payment Assistance Program
As a member of the San Diego HOME Consortium, Encinitas participates in the County’s First-Time Homebuyer Program. The program offers low-interest deferred loans to low-income first-time homebuyers. The loan can be applied towards the down payment and closing costs of the purchase of a new or re-sale home, meeting certain criteria.
For more information, please contact: (858) 694-4801 or visit the San Diego County Homebuyer Program Website.
Mortgage Credit Certificate
Mortgage Credit Certificates provide first-time homebuyers tax credits equal to 20% of the interest paid on the home. This program is available through the County of San Diego, and is offered to low and moderate income households. The potential homebuyer is required to select a lender from a list of participating lenders.
For more information, please visit the Mortgage Credit Certificate Website.
Homebuyer Education Providers
Homebuyer education classes are offered throughout the County of San Diego and are geared to help provide valuable information in order to achieve goals for homeownership, home retention and financial education.
For more information, please visit the Homebuyer Education Classes.
New Affordable Housing
Occasionally, affordable homes are available for sale as a part of new subdivision. Typically, these are single-family homes that are made available through the City’s inclusionary housing program or the State’s Density Bonus housing program. Within the program requirements, the developer performs the marketing, establishes the sale price, creates and maintains an interest list, and determines qualified applicants. The City performs an oversight role in ensuring compliance of the affordability requirements. The table below provides information on for sale affordable housing opportunities that may be available in the near future. As new projects and/or contact information becomes available, this table will be updated.
| Community | Number of Affordable Units | Estimated Project Completion | Developer | Size | Affordability | Contact Information |
|---|---|---|---|---|---|---|
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AMI = Area Median Income. Income limits are published annually by the Department of Housing and Urban Development (HUD).
Affordable Housing Updates
Please sign up for up-to-date information about affordable housing in Encinitas by visiting our City Updates webpage: https://www.encinitasca.gov/i-want-to/register-for/city-updates, input your email address, check the "Affordable Housing" box and complete the prompts at the bottom of the screen.
Affordable Apartments and Homes
The City achieves affordable housing units in a variety of ways, such as providing assistance in the development of the units, or as a result of local or state requirements. The units are often located in communities, where there is a mix of affordable and market rate units, and are not guaranteed to be affordable for everyone.
Due to limited availability and increased need for affordable housing, each of the apartment communities typically has a waiting list. Access the Affordable Housing Dashboard to find information on current and future affordable housing opportunities. Interested households are encouraged to contact the communities individually to determine the eligibility criteria and waitlist information.
New Affordable Housing
In addition to multi-family affordable units, occasionally, affordable homes are available for rent as a part of a new subdivision. Typically, these are single-family homes that are made available through the city’s inclusionary housing program or the state’s density bonus housing program. Within the program requirements, the developer performs the marketing, establishes the rent price, creates and maintains an interest list, and determines qualified applicants. The City performs an oversight role in ensuring compliance of the affordability requirements. Access the Affordable Housing Dashboard to find information on current and future affordable housing opportunities. As new projects and/or contact information becomes available, this map will be updated.
Residential Rehabilitation Program
The City of Encinitas operates a Residential Rehabilitation Program, and the intention of the program is to ensure that residents are living in decent, safe, sanitary homes. Through federal funding sources, the program provides grants and/or low-interest, deferred, and/or forgivable loans for needed home repairs, such as building code violations, health and safety issues, essential repairs of major component systems and general improvements.
As of October 2024, the City of Encinitas is accepting applications for the Residential Rehabilitation Program
- Program Application in English
- Program Application en Espanol
- Program Guidelines
- HCD Manufactured Home Alterations Permit Guide
For more information, please contact: (760) 943-2293, or cschubert@encinitasca.gov.
Mobile-Home Residency Law (MRL)
In 1978, the state legislature enacted the MRL, Cal. Civ. Code Section 798 et seq. The Department of Housing and Community Development (HCD) oversees issues relative to the MRL and rules and regulations for mobile-home park tenants and management. Since 1978, a number of sections have been amended and others added to the Code.
Mobile-Home Assistance Center
The States receive and process complaints relative to living in manufactured homes and mobile homes. HCD provides information and other assistance to help resolve complaints generally related to park health and safety issues and unlawful sales practices.
Register Your Mobile-Home California
This program, administered by the California Department of Housing and Community Development (HCD), allows people who acquired a mobile-home or manufactured home, but didn't get the proper registration, to correct the issue and not have to pay back taxes and fees.
For more information, visit www.registeryourmobilehomeca.org or call (800) 952-8356.
Mobile-home Park Resident Ownership Program (MPRROP)
MPRROP facilitates the acquisition of rehabilitation of mobile-home parks by resident organizations, nonprofit housing sponsors, and local public entities to preserve affordability for low and moderate income residents. MPRROP also helps resident organizations and nonprofit housing sponsors to assist residents with needed repairs, accessibility improvements, and replacement of resident-owned units.
Mobile-Home Park Conversion
Mobile-Home park conversions commonly refer to the various aspects of transforming a park into a type of common interest development where residents obtain title to, or some exclusive use of, their mobile-home spaces. Condominium, planned development, and stock cooperative are the three main types of common interest developments.
Please refer to Section 66427.5 of the State of California Government Code for state laws regulating the mobile-home park conversion process.
Guide to mobile-home park conversions with an estimated step-by-step process. (Flow chart provided courtesy of The Loftin Firm)
HUD Manufactured Home Dispute Resolution Program
For more information about the HUD Manufactured Home Dispute Resolution Program, please visit the website or visit the HUD Office of Manufactured Housing Programs website.