Homeowner Rehab

Since the early 1990's, the City of Paducah has applied for and administered grant funds to assist low to moderate income households in rehabilitating or rebuilding their own dilapidated homes.  The Urban Renewal and Community Development Agency oversees the housing programs for the City of Paducah.  Though the program requirements have changed over the years, the main objective remains the same: to create safe, affordable, housing for homeowners who have low to moderate incomes and are living in seriously dilapidated structures within the city limits.

To qualify, individuals or families must fall under 80% of the area median income for McCracken County.  They cannot have a mortgage on their property.  All state and local property taxes must be paid to date.  There cannot be any liens on the property.

Although the program is called Homeowner Rehab, the program usually demolishes and rebuilds the structure for the household because of the expense of restoration or rehabilitation.  Homeowners are encouraged to find somewhere to live while the construction is going on.  If the family or individual has nowhere to stay, the program will assist them in finding a temporary living space during construction.

Here's how the program works:  the City of Paducah Grants Administrator applies for HOME funds through Kentucky Housing Corporation (KHC) who distributes and manages those funds for the US Department of Housing and Urban Development (HUD) in Kentucky.  KHC is located in Frankfort and is a quasi-governmental agency that has competitive yearly funding rounds for this money.  The Grants Administrator creates a program based on the designated needs of the community outlined in the referral list.   Once we are notified that we will receive funding, we begin the process of selecting the households and homes we will assist.

The City keeps an ongoing inquiry list with information about each referral's housing needs.  The selection process takes place through a scoring criteria based on an inspection of the home, the immediacy of the problems, the condition of the structure, how long someone has owned the home, how many people are living in the household, and other items that are then presented to the URCDA board for final selection.

Once selection is made, a meeting is held with each homeowner to discuss their needs and the style of house we are able to offer.  A housing design is selected that will suit the needs of the family as best possible.  Next, our qualified contractors are invited to a pre-bid meeting to discuss the bid requirements and work write up.  A bid opening is held and the lowest and best evaluated bid is selected by the URCDA board.  The contractor and the homeowner sign a legally binding contract, and the City Grants Administrator acts as liaison for the recipient throughout the process of construction.