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Housing Division

Home Ownership

The City of Wilmington’s HOP Program provides an opportunity for individuals and families to qualify for the purchase of a home. This program may help people unable to qualify for a mortgage under typical underwriting guidelines in the conventional mortgage market. HOP borrowers must have a reliable source of income, demonstrate a responsible attitude towards credit, and must be below 130% AMI.

Housing Counseling

The City of Wilmington offers free in person One-on-One Housing Counseling Services to individuals or families exploring Affordable Housing and Homeownership. Counseling services include Pre-Qualification, Pre-Purchase & Post Purchase, Financial Management and much more all tailored to your unique financial situation.

Rental Rehab Incentive Program

The City of Wilmington offers housing loans targeted to small developers, investors, non-profits and others interested in providing small scale rental projects. The Rental Rehabilitation Loan provides a 0% interest loan for properties renting to individuals or families of low to moderate income; the maximum loan amount for this program is $200,000 or 90% of appraised value.

Owner Occupied Rehabilitation

The City of Wilmington provides home rehabilitation loans to individuals who are below 80% of area median income. Loan amounts and terms vary and are based on the borrowers income. The first step is to complete and submit the Information Sheet along with the requested documentation (listed on the Addendum).

Affordable Housing Development

The City of Wilmington identifies the need for affordable housing options as a goal in the City’s Five-Year Consolidated Plan. These options may include single family and multifamily housing for homeownership, rentals, or supportive housing. Funds may be available for the development of housing that is affordable to households earning 80% Area Median Income or below.

Workforce Housing Advisory Committee

New Hanover County and the City of Wilmington established the Joint Workforce Housing Advisory Committee (WHAC) in 2016 to study affordable and workforce housing, the public's perception of it and existing gaps, and then to develop tangible recommendations for addressing this issue.

Recommendations are designed to address the community's housing needs by increasing the supply of residential units, retaining our existing affordable housing stock, and increasing residents' access to those homes.

Click here to view the WHAC 2024 Annual Report

Click here to view the WHAC Strategic Plan.(PDF, 79KB)

Click here to view the 2023 Workforce Advisory Annual Housing Report.

Comprehensive Housing Study & Survey

New Hanover County and the City of Wilmington retained Bowen National Research to conduct a Housing Needs Assessment of New Hanover County. With changing demographic and employment characteristics and trends expected over the years ahead, this study helps New Hanover County and its citizens understand the current market conditions and projected changes that will influence future housing needs.

The Housing Needs Assessment identified needs by affordability and tenure by considering demographic characteristics, trends, economic conditions, existing housing availability, community and migration trends, and quantifiable housing demand estimates.

Click here to view the 2022 Housing Needs Assessment Update

A public opinion survey was developed by the University of North Carolina Greensboro Center for Housing and Community Studies (CHCS) to gather community input about their perceptions and opinions on workforce and affordable housing and the extent of government or other interventions they believe are necessary to address this matter.

Affordable and Workforce Housing - A Public Opinion Study for New Hanover County and the City of Wilmington

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Contact

Location
929 N. Front St.
Wilmington, NC 28401

Mailing Address
P. O. Box 1810
Wilmington, NC 28402
Fax: 910.341.7802

For court related matters please call 910.772.6610 or visit the New Hanover County Courthouse.

Para obtener más información sobre nuestros programas o si tiene preguntas, por favor llame al (910) 341-3236 o envíe su pregunta por correo electrónico a Chianti.Johnson@wilmingtonnc.gov.