Housing
Our Vision
Mattoon has high-quality housing to meet the needs and budgets of families of all sizes and incomes including environmentally friendly and sustainable housing options.
Strategies
Strategies
Possible Projects
Strategies
- Develop a residential TIF district.
- Offer economic incentives to build or rehab housing.
- Develop shovel-ready sites for housing.
- Offer assistance for home improvement in targeted city blocks/neighborhoods.
- Market housing development in Mattoon and incentives available.
- Expand the high school building trade program.
- Remodel upstairs of downtown Broadway buildings into apartments.
- Explore grant opportunities with HUD and other agencies.
- Partner with Habitat for Humanity on building and remodeling homes.
- Clean-up / demolish rundown housing.
- Develop in-demand new housing.
- Review and update zoning laws.
- Identify community programs that are potential partners.
Possible Projects
- Work with the City on infrastructure for new homes.
- Seek investors.
- Get support from local bankers and developers.
- Work with the City to donate land for development.
- Inventory possible locations for development.
- Build new townhomes.
- Build new subdivisions.
- Develop housing along the state route 45 corridor.
Housing Assistance Programs
This is where you can see if you qualify for different housing programs offered in our community. Please click on the corresponding household size that you currently have to see if you qualify based on your annual income (after programs list). If you have any questions please don’t hesitate to contact the corresponding agency.
Below is the contact information for the corresponding agencies that are providing these services.
Please contact the relevant program for more information.
Ameren
Habitat for Humanity
Erba Housing Counseling
Illinois Hardest Hit Program
USDA Home Morgtage Program
Coles County Housing Rehab Grants
Department of Housing & Urban Development
Ameren
- Ameren 1-800-755-5000 – some are free some are ‘cost share’. Ameren also has a home Efficiency Income Qualified Program.
Habitat for Humanity
- Coles County Habitat for Humanity – Melissa McDaniel Executive Director P.O. Box 226 990 W. State St Charleston, IL 61920 217-348-7063. Please see the flyer for more information. You can find the flyer here.
Erba Housing Counseling
- Erba Housing Counseling (one one one) – homebuyer education, budget and credit counseling, foreclosure delinquency, rental and homeless counseling, post-purchase counseling, budget, and credit 101 workshops (class), homebuyer education workshop (class). Embarras River Basin Agency 400 W. Pleasant Greenup, IL 62468 217-923-3113 Sandy Deters sandyd@erbainc.org cell 217-276-1728
Illinois Hardest Hit Program
- Illinois Hardest Hit – helps pay your mortgage and catch up on taxes and fees for a period of time (up to a year) for those who have lost income or have a disability. Contact Erba (see 3rd tab)
USDA Home Morgtage Program
- USDA Home Mortgage Program – Get a low-interest loan for your house. Close quickly and lock in low rates. Low to no down payment. Also small rehab loans. Contact Erba (see 3rd tab)
Coles County Housing Rehab Grants
- Coles County Housing Rehab Grants – programs (grants) that help update your house for health, safety, and handicap accessibility. Contact Coles County Regional Planning – Coles Co Courthouse 651 Jackson Rm 309 Charleston, IL 61920 217-348-0521 Kevin McReynolds mcreynolds@co.coles.il.us
Department of Housing & Urban Development
- U.S Department of Housing and Urban Development has information about different programs by city and town. check out their website for more information.
Assistance Program Eligibility By Household Size & Income
Information is based on 2018 income guidelines and this can change annually.
1 Person Household
2 Person Household
3 Person Household
4 Person Household
5 Person Household
6 Person Household
1 Person Household
| Community and State Programs | Annual Income |
|---|---|
| One on one free financial counseling | No Limit |
| Ameren new thermostat rebate $100-$180 | No Limit |
| ERBA Housing Counseling/financial coaching | No Limit |
| Illinois Hardest Hit mortgage relief program- ERBA | Up to $50,760 |
| Ameren Weatherization grant/incentive | Up to $36,180 |
| Coles Co-Housing Rehab Grants priority in line | Up to $33,850 |
| USDA Home Mortgage program | Up to $33,800 |
| Habitat for Humanity’s New Home program | Up to $30,616 |
| ERBA Housing Weatherization Grant -HHS & State & DOE | Up to $24,120 |
| If also over 62 | |
| USDA Home health, safety, accessibility grants | Up to $33,850 |
| Coles Co-Housing Rehab Grants priority in line | Up to $29,012 |
| Coles Co HAP grant- Home Accessibility first then other repairs | Up to $21,150 |
| If also disabled | |
| Coles Co HAP grant- Home Accessibility first then other repairs | Up to $21,150 |
2 Person Household
| Community and State Programs | Annual Income |
|---|---|
| One on one free financial counseling | No Limit |
| Ameren new thermostat rebate $100-$180 | No Limit |
| ERBA Housing Counseling/financial coaching | No Limit |
| Illinois Hardest Hit mortgage relief program- ERBA | Up to $58,080 |
| Ameren Weatherization grant/incentive | Up to $48,720 |
| Coles Co-Housing Rehab Grants priority in line | Up to $38,859 |
| USDA Home Mortgage program | Up to $43,500 |
| Habitat for Humanity’s New Home program | Up to $44,494 |
| ERBA Housing Weatherization Grant -HHS & State & DOE | Up to $32,480 |
| If also over 62 | |
| USDA Home health, safety, accessibility grants | Up to $40,507 |
| Coles Co-Housing Rehab Grants priority in line | Up to $32,480 |
| Coles Co HAP grant- Home Accessibility first then other repairs | Up to $24,200 |
| If also disabled | |
| Coles Co HAP grant- Home Accessibility first then other repairs | Up to $24,200 |
3 Person Household
| Community and State Programs | Annual Income |
|---|---|
| One on one free financial counseling | No Limit |
| Ameren new thermostat rebate $100-$180 | No Limit |
| ERBA Housing Counseling/financial coaching | No Limit |
| Illinois Hardest Hit mortgage relief program- ERBA | Up to $65,280 |
| Ameren Weatherization grant/incentive | Up to $65,280 |
| Coles Co-Housing Rehab Grants priority in line | Up to $61,260 |
| USDA Home Mortgage program | Up to $43,500 |
| Habitat for Humanity’s New Home program | Up to $45,629 |
| ERBA Housing Weatherization Grant -HHS & State & DOE | Up to $40,840 |
| If also over 62 | |
| USDA Home health, safety, accessibility grants | Up to $61,260 |
| Coles Co-Housing Rehab Grants priority in line | Up to $43,500 |
| Coles Co HAP grant- Home Accessibility first then other repairs | Up to $30,630 |
| If also disabled | |
| Coles Co HAP grant- Home Accessibility first then other repairs | Up to $27,200 |
4 Person Household
| Community and State Programs | Annual Income |
|---|---|
| One on one free financial counseling | No Limit |
| Ameren new thermostat rebate $100-$180 | No Limit |
| ERBA Housing Counseling/financial coaching | No Limit |
| Illinois Hardest Hit mortgage relief program- ERBA | Up to $72,480 |
| Ameren Weatherization grant/incentive | Up to $73,800 |
| Coles Co-Housing Rehab Grants priority in line | Up to $48,300 |
| USDA Home Mortgage program | Up to $48,300 |
| Habitat for Humanity’s New Home program | Up to $54,770 |
| ERBA Housing Weatherization Grant -HHS & State & DOE | Up to $49,200 |
| If also over 62 | |
| USDA Home health, safety, accessibility grants | Up to $73,800 |
| Coles Co-Housing Rehab Grants priority in line | Up to $48,300 |
| Coles Co HAP grant- Home Accessibility first then other repairs | Up to $36,900 |
| If also disabled | |
| Coles Co HAP grant- Home Accessibility first then other repairs | Up to $30,200 |
5 Person Household
| Community and State Programs | Annual Income |
|---|---|
| One on one free financial counseling | No Limit |
| Ameren new thermostat rebate $100-$180 | No Limit |
| ERBA Housing Counseling/financial coaching | No Limit |
| Illinois Hardest Hit mortgage relief program- ERBA | Up to $78,360 |
| Ameren Weatherization grant/incentive | Up to $86,340 |
| Coles Co-Housing Rehab Grants priority in line | Up to $52,200 |
| USDA Home Mortgage program | Up to $52,200 |
| Habitat for Humanity’s New Home program | Up to $65,565 |
| ERBA Housing Weatherization Grant -HHS & State & DOE | Up to $57,560 |
| If also over 62 | |
| USDA Home health, safety, accessibility grants | Up to $59,904 |
| Coles Co-Housing Rehab Grants priority in line | Up to $52,200 |
| Coles Co HAP grant- Home Accessibility first then other repairs | Up to $32,650 |
| If also disabled | |
| Coles Co HAP grant- Home Accessibility first then other repairs | Up to $32,650 |
6 Person Household
| Community and State Programs | Annual Income |
|---|---|
| One on one free financial counseling | No Limit |
| Ameren new thermostat rebate $100-$180 | No Limit |
| ERBA Housing Counseling/financial coaching | No Limit |
| Illinois Hardest Hit mortgage relief program- ERBA | Up to $78,360 |
| Ameren Weatherization grant/incentive | Up to $98,880 |
| Coles Co-Housing Rehab Grants priority in line | Up to $56,050 |
| USDA Home Mortgage program | Up to $56,050 |
| Habitat for Humanity’s New Home program | Up to $31,897 |
| ERBA Housing Weatherization Grant -HHS & State & DOE | Up to $65,920 |
| If also over 62 | |
| USDA Home health, safety, accessibility grants | Up to $66,640 |
| Coles Co-Housing Rehab Grants priority in line | Up to $49,440 |
| Coles Co HAP grant- Home Accessibility first then other repairs | Up to $35,050 |
| If also disabled | |
| Coles Co HAP grant- Home Accessibility first then other repairs | Up to $35,050 |