Community Development

Are you a homeowner and suffered financial losses or need urgent housing repairs due to a Covid and/or Covid related issues?  Are you located in a City of Monroe Qualified Census District (Check Link Below)?  

Check your property location here 

    Qualified Census Tract 


Please contact for more information.

City Sponsored Housing Programs


City of Monroe Mortgage and Foreclosure Assistance Program

In partnership with the Monroe Union County Community Development Corporation (MUCCDC), applications for mortgage and/or foreclosure assistance will begin July 5, 2022.  No income eligibility, but to be qualified you must have a Covid19 related incident beginning March, 2021 forward, and be located in a Qualified Census District (See Link Above).   Beginning July 5, 2022 until funds are committed/depleted, you may request an application by contacting MUCCDC at (704) 283-8804.  

City of Monroe Urgent Repair Program

In partnership with the Union Anson County Habitat For Humanity (Habitat for Humanity), applications for house repairs will begin July 5, 2022.  Applications will be taken on a first come first serve basis.  No income qualifications, however property must be located  in the Qualified Census District (See Link Above), homeowner occupied, only property owned, and property owners must have a Covid19 related incident from March, 2021 to present.  Beginning July 5, 2022 interested appicants may contact Habitat for Humanity, Keturah Key at 704-296-9414 Ext. 811.

City of Monroe Downpayment Assistance Program

In partnership with the Monroe Union County Community Development Corporation (MUCCDC), the city offers several programs regarding affordable housing:  1) Downpayment assistance for homeownership.  You must be income qualified, live in Monroe, or have employment in Monroe.; 2) Housing of Urban Development Home and Credit Counseling Services.; 3) Fair Housing Counseling and Information.  Contact Isabel Gillespie,  Executive Director, with the MUCCDC or their offices for more information at (704) 283-8804.

Fair Housing is a right, find out more information here:  KnowYourRights    Do you think you are a victime of predatory lending practices?  Find out more information here:  NC Predatory Lending Attorney General  Please contact the Monroe Union County Community Development Corporation at (704) 283-8804, for more information on Fair Housing and Lending.  

City of Monroe's Outside Agency Partnership

Every year, the City reaches out to find eligible partners to carry out needed services to the community that we are permitted to fund.  These services are an extension to existing services and/or new eligible services.   The outside agencies we fund in accordance with our policies and procedures provide homeless services, hospice, student school supplies/needs, food, art support, homeless sheltering, headstart, services for the age, educational enrichment tutoring, hospice, health related services/support, homeless services.    Our ourside agency partnerships include monetary, land/building leases, and land donations.   Please see the link Outside Agency Partnership Information.  If you have any questions, please contact Teresa Campo at  This is the first year the consortium supported the Community Development Block Grant (CDBG) funds directly to public service agencies through Union County (Administrator), in an effort to increase services and simplify monitoring.  The following agencies received FY 2023 CDBG awards:  Turning Point Domestic Violence & Sexual Assualt Program, $44,000.; Union County Crisis Ministries Housing Stability Project, $38,264; Council on the Aging In Home Assistance for Seniors to Remain Independent, $60,000; and Common Heart Economic Empowerment & Development Program, $25,000.  The City of Monroe did not receive any passthrough CDBG funds for agencies or to support public services, directly.  In addition, the City's partnership in the East Village Housing Development with Union Anson County Habitat for Humanity was awarded $90,000 in CDBG funds, City general funds will be used as leveraging for the grant.  The project is located in the North Carolina Opportunity Zone in Monroe and will create two homeownership opportunities.  

Union County Community Development Block Grant Consortium

The City of Monroe is a partner in the Union County Community Development Block Grant (CDBG) Consortium, along with Marshville, Stallings, Waxhaw, Weddington, and Wingate.  You can read information here for the next fiscal year 2023 awards and annual allocation of $901,530; which includes the Jesse Helm Park improvements award and the Union County Wide Sewer Repair Project Model, which will provide assistance to approximately 6 low income homeowners countywide.  The comment period closed in June 2022, with the City submitting the following  public comments,    The City is committed to furthering fair housing and suppports the use of the CDBG funds for the Analysis of Impediments of Fair Housing Choice.  The City is a consortium partner for the Union County North Carolina 2022-2026 Analysis of Impediments to Fair Housing Community Development Block Grant Entitlement Program, read more here.  CDBG funds are made available through the United States Housing and Development Program.    The following agengies are awarded CDBG Funds through the consortium and Monroe General funds:  1)  Common Heart  $30,000 (CDBG), 10,000 (City of Monroe); Council on Aging Union County $64,482 (CDBG), $7,500 (City of Monroe); Turning Point, Inc. $35,000 (CDBG), $15,000 (City of Monroe).  

Home Ownership Resouces

Fair Housing Equal Housing logoHelp prevent identify theft and know what is on your credit report.  The federally-authorized site for consumers to obtain free credit reports from each of the three main reporting agencies is , you can pace your requests, as you do not need to request all at one time. 

North Carolina Housing Finance Agency provides qualified individuals with stable, fixed rate mortgages, and down payment assistance up to 5% of the loan.  Also, $8,000 in down payment assistance option.   NC Home Advantage Mortgage  Your lender may already be a partner check here:  NCHFA Lender Partners

Bank of America has several downpayment options for first time homeowners that includes closing costs, these programs may be available to partner with other lenders find out more information here:  BOA Homebuyer Assistance Programs.   

First Bank Mortgage initiative assists in gap funding for low to moderate income individuals with a 2% loan, find out more information here:  First Bank   Contact the Union Anson County Habitat for Humanity to see how you may benefit at (704) 289-6069.

Fifth Third's Bank offers a Down Payment Assistance Program of up to $3,600.00.  See information here:  5/3 DPA

Self Help Credit Union provides lending opportunities in the support of affordable housing, more information can be found here:  SHCU Lending that Boosts Homeownership

Community Development Committees Updates AND Public Private Partnerships

Community Development continues to seek volunteers and partners for community projects.  If your group, business, agency, church, or team is interested, we can meet to explore how we can work together to forward Monroe. Please contact Teresa Campo at (704) 282-4526 or email to discuss. 

Community Development Stakeholder Committee

      We welcome the addition of new members, always and ask that you support these businesses and agencies as they give back to the community.                                                                     

Members include a diverse group of nonprofits, community leaders, service providers, government leaders, and businesses volunteering their time and resources to build a sustainable community that is inclusive of all of our citizens.  Photo Teresa Campo City of Monroe NC
Non Profit Quarterly Roundtable Discussion Group, will be forming soon. We thank you as our partners and use this opportunity to reach out to others to serve. Projects are made possible by the City's partnership with area stakeholders: South Piedmont Community College, Union Anson County Habitat for Humanity; Monroe Union County Community Development Corporation; Union County Board of Realtors Member (Mary Ross Real Estate); Union County NC Crisis Assistance Ministry;  Union County Community Shelter; Winchester Neighborhood Association; Council on Aging in Union County; Union County Chamber of Commerce; Shepherd's Place Children's Home; Iglesia de Dios Nueva Viva; Shining Light Baptist Church; Benton Heights Presbyterian Church; Sutton Park Neighborhood Association;  The ARC of Union County; NC Works Green Center, Monroe: Core HR Consulting; The Alliance for Children; Mount Calvary AMEZion Church; Paradise Height Community Members; Transforming Youth Movement;  Waste Pro; Monroe Housing Authority; South Piedmont Community College; Union County Department of Human Services; UNCC Urban Institute; and a continuing partnership with various City, State, and County Government Departments.   


Community Development Projects

Are you an employee for the City of Monroe's Police or Fire Department, we are looking to develop a three bedroom, two bath homeownership opportunity for you.   Downpayment assistance is also available.  Contact for more information.

The City's Landbank is continuing to seek land donations and/or purchases for furthering affordable housing and economic vitality developoment initiatives.  Please contact Teresa Campo 704/282-4526 if you have comments, suggests, or interest in participating.

Are you a nonprofit housing developer, we may be able to assist with fees?  Contact Teresa Campo at 704/282-4526.

Concord Avenue Master Plan

Concord Avenue Overlay District Beautification Project The land donation from Gus and Liz Mihelakis of the parcel from Patton Avenue/Concord Avenue/Secrest Shortcut Road for the beautification is complete. We are looking forward to a beautification project in the Concord Avenue Overlay. The topography survey is complete and American Recovery Program funds have made it possible to begin the road closure and environmental compliance for greenspace improvements.   We hope that you are enjoying the walking spaces of the sidewalk installation made possible through the Union County Community Development Consortium.  Continue to let us know how you are enjoying the walk.  For more information regarding future enhancements, a link to the Concord Avenue Area Master Plan can be found here.  

Partner News

NC Works Career Center located at 1125 Skyway Drive, Monroe, NC, (704-283-7541 or register online here, it is a valuable resource for jobs, job training, job fairs, financial assistance, overcoming barriers, networking possibilities, scholarships.  It is free to register and receive services.  Also, if you are a student at community college and are have financial barriers in finishing your education, contact your financial aid office regarding the $1000 grant made available for students to use (grants are payable to the vendor, not student) and can be used for transportation repairs, daycare, rent, utlities, equipment, and other eligible expenses.   South Piedmont Community College is looking for volunteers to start providing literacy services to adult learners contact Kristi Phifer at  Did you know that the inability to read prevents people from accessing critical needs including medical care, as the application can be a barrier?

Census 2020 Results NOT Finalized  

According to the published 2020 published census, Monroe population count based on the April 2020 Census is 34,562.   Union County experienced a rapid population growth at 14.47%.  More information regarding the population count can be found here:  City of Monroe 2020 Census Count     The State Profile for Population and Housing  The 2020 Census is in the appeal stage and we do not anticipate the final numbers to be certified until 2023.

We value our community partners! Special thanks to those who give back to our community to help others.  Please thank these businesses with your patronage and your appreciation:

  Lowe's Monroe Logo   Love's Plumbing and Air Monroe NC Wingate Electrical Services   HUGHES Supply MonroeShining Light Baptist Church    Monroe Commmunity Partner Trane Ingersoll Rand Logo Teresa CampoBower's Electric    

South Piedmont Community College Logo    Mauney's Termite Control Logo   Graybar Logo   Chris L. Hope, PE Logo    

Purser Electrical LlcUnion Anson Habitat for Humanity Monroe NC Campot

MtC Global Ministries Logo    Serve 365 Logo  Mission Serve Logo Kona Ice Logo