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Housing Help

The City of Milwaukee offers a variety of resources and incentive programs to help current homeowners, home buyers, investors and non-profit organizations.


Please check with the program provider for latest program requirements and funding availability.

 

Select an option below to filter available resources:

 
       (currently own a home in the City of Milwaukee as your primary residence)


I want to purchase a home or build a new home. 
       (purchase and live in the house as your primary residence in the City of Milwaukee)

 
I am an investor or a non-profit organization. 
     
 
Homebuyer Assistance Program

Homebuyer Assistance Program

The City will provide up to a $20,000 forgivable loan to qualified owner-occupant buyers of city-owned homes. Both financial and technical assistance are provided as part of the program. The City is working with a number of lenders who can provide first mortgage loans to eligible potential homebuyers going through the program. Attend a Homebuyer Orientation Session to learn more.

City Houses For Sale

City Houses For Sale

Hundreds of families have discovered that buying a City-owned house is an affordable path to home ownership. Because most properties require significant repair, prices are low. PLEASE NOTE: Additional properties are listed on the Multiple Listing Service (MLS). To get information on those properties contact a Wisconsin licensed real estate agent.

Historic Houses For Sale

Historic Houses For Sale

If you love the scale, details and craftsmanship of a historic home and love to renovate, we may have the perfect house for you. As a bonus, many of the homes listed have had extensive exterior repairs such as new roofs, chimneys and siding. These repairs will make the remaining renovations manageable and the whole project more affordable.

$500 Roots Landscaping Incentive

$500 Roots Landscaping Incentive

The City offers a $500 landscaping reimbursement for City-owned homes sold to owner-occupants only. Landscaping includes flowers, sod, grass seed, bushes, fencing, miscellaneous or purchase of lawn care tools including lawnmowers, snowblowers, trimmers, tillers, shovels, rakes, etc.

Build New with $1 Lots & $10,000 Forgivable Loans

Build New with $1 Lots & $10,000 Forgivable Loans

Build your NEW home in one of the city’s premier subdivisions located in the heart of the city - close to downtown! Choose from Walnut Circle, Josey Heights or The Legacy subdivisions. Fully improved lots, including sewer, water, lighting and sidewalks. Shop and compare – affordable lot pricing means more house for your money!

READY-TO-GO-HOME

READY-TO-GO-HOME

When you buy a READY-TO-GO-HOME, you will be buying a fully renovated home in the Harambee neighborhood. That means your home is “move in” ready and may include a new roof, furnace, water heater, interior and exterior improvements, and more! In Harambee, you will find committed residents and neighborhood organizations, new housing and commercial development, parks, the Beerline Trail and many other amenities.

HACM Rehabilitated Homes For Sale

HACM Rehabilitated Homes For Sale

HACM offers rehabbed homes for sale in two categories: Section 32 Properties that are available to participants in the Section 32 Homeownership Program or the 8 (y) Homeownership Program and Market Properties that are available to any buyer. All homes have been beautifully rehabbed and are ready for move-in.

RICH Program (Reinvest in City Homes)

RICH Program (Reinvest in City Homes)

The RICH Program provides rehabbed City properties and mortgage funding for individuals interested in purchasing a home for home ownership. For more information on this program, please contact Milwaukee Habitat for Humanity at (414) 562-6100.

Homeownership through Habitat for Humanity

Homeownership through Habitat for Humanity

First-time home buyers who live in subsidized or inadequate housing may qualify to purchase a house through Habitat for Humanity. A typical monthly mortgage payment is $500 – $700, and buyers must contribute hundreds of hours of labor on the construction of their own home and homes of their neighbors.

Turnkey Renovation Program

Turnkey Renovation Program

Fully-renovated, energy-efficient houses are available for sale in the Silver City, Burnham Park and Layton Park neighborhoods on the City’s near south side. These properties combine modern conveniences with restoration of historic architectural details.

Milwaukee Christian Center Housing Program

Milwaukee Christian Center Housing Program

Milwaukee Christian Center’s community-based, affordable housing programs build reasonably priced housing that is sold to qualifying homeowners.

ACTS Housing Homeownership Program

ACTS Housing Homeownership Program

The mission of ACTS Housing is empowerment through homeownership. ACTS has assisted over 2,200 families to purchase their own home in the city of Milwaukee. ACTS offers real estate services, home rehab and financial counseling, loans for home repair, orientation sessions, and downpayment/grant assistance.

Take Root Milwaukee

Take Root Milwaukee

Take Root Milwaukee (TRM) is a resource that connects people to local, low-cost and trustworthy organizations than can help them either buy a home or keep their home. TRM includes over 52 individuals and groups active in the home ownership sector such as housing counseling agencies, financial institutions, Realtors, local government, neighborhood organizations and other community partners – all working together to promote sustainable home ownership.

Eligible Homebuyer Counseling Agencies

Eligible Homebuyer Counseling Agencies

Are you eager to buy a house, but need help getting started? If debt and credit problems are holding you back, contact one of our partnering agencies for help. These agencies provide first time homebuyer workshops to educate consumers on the home buying process. NOTE: The City's Homebuyer Assistance Program requires buyers to complete 8 hours of homebuyer counseling from a HUD-approved Homebuyer Counseling Agency.

City Houses For Sale to Investors

City Houses For Sale to Investors

Investors and non-profits can take advantage of buying City-owned property. Because most properties require significant repair, prices are low. PLEASE NOTE: Additional properties are listed on the Multiple Listing Service (MLS). To get information on those properties contact a Wisconsin licensed real estate agent.

Bulk Buyer

Bulk Buyer Guidelines for Purchasing City Houses

The City will sell a minimum of five properties to bulk buyers at a reduced price of $5,000 each if the property listed for sale is $25,000 or less. Must have housing rehab experience.

Non-Profit Guidelines for Purchasing City Houses

Non-Profit Guidelines for Purchasing City Houses

Purchasing City Houses for $1 - The city will sell to non-profit organizations at a reduced price of $1 if the property has been on the market for AT LEAST 60 DAYS and the asking price is $25,000 or less.

Purchasing City Houses for $1,000 - The city will sell to non-profit organizations at a reduced price of $1,000 if the property has been on the market for LESS THAN 60 DAYS and the asking price is $25,000 or less.

Landlord Training Program

Landlord Training Program

Attend a Department of Neighborhood Services 5-hour training seminar and receive a 100-page manual and certificate of completion. The classes are FREE and held on a regular basis throughout the year at various locations. Investor owners purchasing City-owned homes must possess or obtain a Landlord Training Program certificate as a condition of closing.

Rental Rehab TIN Program

Rental Rehab TIN Program

The Rental Rehab program offers rehabilitation assistance up to half the cost of needed rehabilitation, but not to exceed $14,999 per unit, to responsible investors who agree to rent to income-eligible tenants. The property must be located in a Targeted Investment Neighborhood (TIN) and meet program standards when the rehabilitation is complete. Generally, units must have at least 2 bedrooms to qualify.

Rental Rehab Purchase Program

Rental Rehab Purchase Program

Purchasers of 1-4 unit City-owned tax foreclosed properties throughout the City of Milwaukee are eligible to apply for rehabilitation assistance up to half the cost of needed rehabilitation, but not to exceed $14,999 per unit, under the program. Investors must agree to rent to income-eligible tenants and meet program standards when the rehabilitation is complete. Generally, units must have at least 2 bedrooms to qualify.

Window Replacement - Lead Poisoning Prevention

Window Replacement - Lead Poisoning Prevention

Do you own property built before 1950 in the 53204, 53205, 53206, 53208, 53209, 53210, 53212, 53215 or 53216 zip codes? And have children under 4 years old? If so, you may be eligible to receive up to $370 per window to replace lead-based painted windows. An additional $5,000/unit is available to address environmental asthma triggers if anyone 2-40 years old has asthma.

Lead Service Line Replacement

Lead Service Line Replacement

City ordinance requires that lead water service lines be replaced under certain circumstances. Replacement is required when a lead service line is leaking, damaged during planned construction, or when the Milwaukee Water Works replaces the city-owned section on a planned or emergency basis. All property owners who choose to use the city contractor to replace their section of lead service line qualify for special assessment financing. Additionally, owners with one- to four-dwelling units who choose to use the city contractor qualify for a city cost-share.

STRONG Homes Loan

STRONG Homes Loan

The STRONG Homes Loan Program offers loans of up to $20,000 to owner occupants of 1-4 family properties. Technical assistance will be provided to homeowners under the program to assist with rehabilitation projects. Loans can be used to make emergency and essential home repairs and address building code orders. Loans are repayable, with a deferred payment option available for homeowners who are low income and elderly or disabled.

Home Rehabilitation Loan Program

Home Rehabilitation Loan Program

The Home Rehabilitation Loan Program offers zero-interest and deferred payment rehab loans to income-qualified owner-occupants. The property must be located in a City of Milwaukee Targeted Investment Neighborhood (TIN): Beerline, Century City, Layton Boulevard, Lighthouse, Old Milwaukee North, Tri-Block, Walker Square, Washington Park.

$1 Vacant Side Lot

$1 Vacant Side Lot

Do you have a City-owned vacant lot next to your home? If so, you may be able to buy the lot and combine it with your property for added yard space. PLEASE NOTE: Only lots that have no development potential are available for $1. Other lots may be available for $100-$500.

Window Replacement - Lead Poisoning Prevention

Window Replacement - Lead Poisoning Prevention

Do you own property built before 1950 in the 53204, 53205, 53206, 53208, 53209, 53210, 53212, 53215 or 53216 zip codes? And have children under 4 years old? If so, you may be eligible to receive up to $370 per window to replace lead-based painted windows. An additional $5,000/unit is available to address environmental asthma triggers if anyone 2-40 years old has asthma.

Neighborhood Improvement Project

Neighborhood Improvement Project

The City of Milwaukee's Neighborhood Improvement Project (NIP) assists eligible owner occupants in repairing their homes. All repairs are based upon municipal building code violations, lead hazard reduction, health and safety concerns. NIP is not a remodeling program. The repairs are authorized by the Department of Neighborhood Services (DNS) and funded by the Community Development Grants Administration (CDGA).

Compliance Loan Program

Compliance Loan Program

The Compliance Loan Program (CLP) assists homeowners in making repairs necessary to fix code violations on their property. CLP does this by providing 0% interest, deferred payment loans. This means homeowners pay no interest and only pay back the loan when selling or transferring the property.

Me2

Me2 Energy Efficiency Program

Me2 makes it easy and affordable to make energy-saving upgrades such as insulation, air sealing, furnaces, boilers, hot water heaters, air conditioners, and now, windows! Summit Credit Union provides low-interest loans up to $15,000 for eligible home improvements. Single-family home, duplex, or triplex (3 units or less). Investors must be owner-occupants.

Milwaukee Shines

Milwaukee Shines

Whether you are a homeowner or run a business, there are financing options available to help you pay for your solar installation. Milwaukee Shines has partnered with Summit Credit Union to offer low-interest solar loans to Milwaukee homeowners.

Lead Service Line Replacement

Lead Service Line Replacement

City ordinance requires that lead water service lines be replaced under certain circumstances. Replacement is required when a lead service line is leaking, damaged during planned construction, or when the Milwaukee Water Works replaces the city-owned section on a planned or emergency basis. All property owners who choose to use the city contractor to replace their section of lead service line qualify for special assessment financing. Additionally, owners with one- to four-dwelling units who choose to use the city contractor qualify for a city cost-share.

 

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Attend a Homebuyer Orientation Session
 

Housing Resource Guide

Vacant Lot Handbook

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