Pinal County, Arizona · Loan
Owner-Occupied Housing Rehabilitation Program (Pinal County)
Run by Pinal County Budget & Finance, Grants
Low-income homeowners in unincorporated Pinal County and in Eloy, Florence, Mammoth or Maricopa can get a grant or forgivable loan to fix code violations and health and safety problems; weatherization and emergency repairs can be part of the rehab.
Amounts
How much you get
A forgivable, interest-free deferred loan (with a lien) for the full cost of the rehabilitation, at least $1,000 per home; the maximum follows HUD's per-unit subsidy limit, which the guidelines don't state in dollars. Part of the loan is forgiven each year of the recapture period.
Eligibility
Do I qualify?
You need to meet all 6 of these.
Your home is in Pinal County, Arizona.
The home must be in unincorporated Pinal County or in Eloy, Florence, Mammoth or Maricopa, and not in a 100-year floodplain.
Gross household income of 80% or less of Area Median Income for your household size. The FAQ doesn't publish the dollar limits.
You must legally own the home and the land under it, and have lived there as your principal residence for the past 12 months.
Single-family homes, condominium units, and manufactured or mobile homes built after 1976 that are (or will be) on a permanent foundation with permanent utility hookups.
The property must be free of liens other than a first mortgage, current on mortgage, insurance and property taxes, and insured for fire and liability.
Equipment
What equipment counts
Applying
How to apply
You apply online.
- Register on the Pinal County Participant Portal and submit an application.
- The county inspects the home to find deficiencies.
- Repairs are done as a grant or forgivable loan.
Forms and instructionsPinal County Owner-Occupied Housing Rehabilitation Program Guidelines (rev. 2/4/2026)
Questions about applying520-866-6012
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does Owner-Occupied Housing Rehabilitation Program (Pinal County) pay?
A forgivable, interest-free deferred loan (with a lien) for the full cost of the rehabilitation, at least $1,000 per home; the maximum follows HUD's per-unit subsidy limit, which the guidelines don't state in dollars. Part of the loan is forgiven each year of the recapture period.
Is there an income limit?
Gross household income of 80% or less of Area Median Income for your household size. The FAQ doesn't publish the dollar limits.
Do renters qualify?
You must legally own the home and the land under it, and have lived there as your principal residence for the past 12 months.
Is it still available?
Yes. It was open when we last checked, on October 27, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- FAQ, Owner-Occupied Housing Rehabilitation Program (Pinal County)
- Pinal County Owner-Occupied Housing Rehabilitation Program Guidelines (rev. 2/4/2026)
When one of these pages changes, we re-check this page against it.
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