Emergency Home Repair Loan Program

The majority of our CDBG funding is used for housing-related programs. Good, safe housing is a precious community resource. In Opelika, much of that resource is found in Opelika’s low to moderate-income neighborhoods. This program is available city-wide with concentration on Census Tracts 414 (Carver Community) and 416 (Jeter Community). While conscientious landlords have a significant positive impact in these neighborhoods, homeownership appears to be the key factor of well-maintained neighborhood housing. In keeping with that, Opelika uses funds for programs that help low-to moderate-income homeowner’s maintain and improve their homes by addressing health and safety issues.


  • Property must be within Opelika city limits.
  • Property must be owner occupied. Proof on ownership must be provided.
  • Total household annual income cannot exceed 80% of median income as determined by HUD and is based on total number of occupants.
  • Proof of homeowner’s insurance must be provided.
  • 0% interest loans for 5 years.

Note: Mobile or modular homes do not qualify for this program. Rental homes do not qualify for this program.


The City of Opelika is currently accepting applications for the Emergency Housing Repair grant program. Our goal is to reach as many citizens as possible with our current limited funding.  

View brochure on qualifying for the Emergency Home Repair program (PDF) and what repairs are eligible under this program.