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Community Housing Impact & Preservation Program (CHIP)

Feb 16, 2024

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The CHIP Program provides funding to low and moderate income Elyria home owners to improve their housing. A single rehabilitation may entail several projects, such as plumbing upgrades, roof repairs, removal of lead-based paint, siding, electrical upgrades, and other repairs needed to eliminate health and safety concerns according to program rules and regulations.

Applications will be available beginning February 20, 2024 at the Office of Community Development, by mail or at the links below.

Complete applications must be returned to Community Development before 4:30 pm on April 29th.

The house must be a single family dwelling located within the City of Elyria, Ohio.


Homeowners must meet the following criteria:

  • Must be the owner of the house
  • Must live in the home as a primary permanent residence
  • Must be able to provide proof of home ownership
  • Must have active home insurance and paid property taxes
  • Total household income must be at or below 80% or area median income

The CHIP Program offers a 0% deferred interest loan with a declining balance of 20% per year for
five (5) years. Additional terms apply.

For More information, Contact:

City of Elyria
Office of Community Development
131 Court St., Suite 302
Elyria, OH 44035



Download PDF CHIP info Sheet
Download PDFCHIP Application

Funds provided by ODOD through the HOME Program.
Elyria is an Equal Opportunity Provider.