How to apply for Citrus County SHIP Home Repair and Emergency Home Repair in Florida
Citrus County Community Services — Housing Services (State Housing Initiatives Partnership, SHIP)
Who it's for
Citrus County Housing Services uses state SHIP funds to repair homes owned by low-income households. The Home Repair program fixes serious structural, health and safety problems, such as foundations, wiring, the roof, heating or cooling, water and septic systems, and changes that make the home easier to get around for a family member with a disability. The Emergency Home Repair program pays for urgent repairs that are an immediate threat to health and safety, such as a new roof, electrical or plumbing repairs, or heating and cooling repair. These programs fix hazards; they do not remodel. You do not repay the help as long as you keep living in the home. Help is first come, first qualified, first served while funds last. Call 352-527-5200, Monday through Friday, 8:00 a.m. to 5:00 p.m.
You must own the home and live in it. Help depends on funding, and only repairs within what SHIP can pay for are done. If you sell, rent, refinance or transfer the home within five years, you must pay back all of the help; in years six through nine you pay back part of it. The screen uses the 2026 SHIP low-income limit for one person in Citrus County ($44,700); bigger households have higher limits. The county makes the final decision.
People who qualify for one senior program often qualify for others. See everything you may qualify for — free, no SSN, about five minutes.
Discover my benefitsWhat you'll need
- Proof that you own the home and live in it as your main home
- Proof of income for everyone in the household
- Call Housing Services to ask what else to bring
Where to apply
Apply online: official application
By phone: 352-527-5200
What to say when you call
"Hello, I'm calling to ask about Citrus County SHIP Home Repair and Emergency Home Repair. I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need proof that you own the home and live in it as your main home, proof of income for everyone in the household, call Housing Services to ask what else to bring — is anything else required? What is the best next step?"
Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.
Renewals
one-time per repair project (first come, first qualified, first served)
Not sure if you qualify? Run a free check first.
Discover my benefitsNot legal or financial advice. The agency makes the final eligibility decision.