Ocean County, New Jersey · Loan
Ocean County Owner-Occupied Housing Rehabilitation Program
Run by Affordable Housing Alliance for the Ocean County Department of Planning
Ocean County gives low- and moderate-income homeowners ten-year deferred loans to bring their homes up to code: $1,000 to $24,999 for moderate rehabilitation, $25,000 to $50,000 for substantial rehabilitation. Weatherization and roof replacement are among the eligible projects. Brick, Toms River, Jackson and Lakewood residents use their own towns' programs.
Amounts
How much you get
Ten-year deferred loans: $1,000 to $24,999 for moderate rehabilitation, or $25,000 to $50,000 for substantial rehabilitation. The amount depends on which of these fits your install.
| What you install | You get |
|---|---|
| Moderate rehabilitation (ten-year deferred loan) | N/A |
| Substantial rehabilitation (ten-year deferred loan) | N/A |
Eligibility
Do I qualify?
You need to meet all 4 of these.
Your home is in Ocean County, New Jersey.
Combined annual income of the owner and everyone living in the home at or below HUD's low-income (80%) limits for Ocean County. The page's table (effective June 1, 2024) runs from $66,500 for 1 person to $129,100 for 8.
People in your home Income at or below 1 $66,500 2 $78,250 3 $88,050 4 $97,800 5 $105,650 6 $113,450 7 $121,300 8 $129,100 Owner-occupied homes only.
Not available in Brick, Toms River, Jackson or Lakewood, which have separate programs.
Equipment
What equipment counts
Applying
How to apply
You apply online.
- Check that your household income is under the limit for your household size.
- Apply online through Affordable Housing Alliance, which runs the program day to day.
- The program scopes the work to bring the home up to local and state building codes.
- Sign the ten-year deferred loan and the work is done.
Forms and instructionsOcean County Department of Planning, Owner-Occupied Housing Rehab
Questions about applying(732) 389-2958
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 Ocean County Owner-Occupied Housing Rehabilitation Program pay?
Up to $50,000.
Is there an income limit?
Combined annual income of the owner and everyone living in the home at or below HUD's low-income (80%) limits for Ocean County. The page's table (effective June 1, 2024) runs from $66,500 for 1 person to $129,100 for 8.
Do renters qualify?
Owner-occupied homes only.
Is it still available?
Yes. It was open when we last checked, on October 25, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
When one of these pages changes, we re-check this page against it.
Nearby
More in New Jersey
All of New Jersey
Comfort Partners
Amount not published
Free energy assessment and no-cost efficiency upgrades (insulation, air sealing, heating and cooling tune-ups, duct sealing, refrigerator or freezer replacement, thermostats and energy counseling) for New Jersey gas and electric customers with income at or below 250% of the federal poverty guidelines, or enrolled in programs like LIHEAP, SNAP, SSI or Medicaid.
Checked Oct 26, 2026
All of New Jersey
New Jersey Weatherization Assistance Program (WAP)
Amount not published
Free weatherization for low-income New Jersey households, delivered by a community agency in each county. It covers weatherizing the home, improving heating system efficiency and conserving energy, for households at or below 200% of the federal poverty guidelines or receiving TANF, SNAP, SSI or LIHEAP.
Checked Oct 25, 2026
Atlantic City Electric customers, New Jersey
Atlantic City Electric Home Weatherization Program
Up to $14,000 of work at no cost
Atlantic City Electric customers with household income between 250% and 400% of the federal poverty level get a free assessment and up to $14,000 in energy-saving upgrades plus $2,500 in health and safety work at no cost: smart thermostat, insulation, weather stripping, duct sealing, and heating and cooling tune-ups or replacements.
Checked Oct 25, 2026