Home Rehabilitation & Repair

Otsego County Home Repair Programs

ORHA uses a variety of state, federal, and other grants to provide no-cost housing rehabilitation and repairs to low-income Otsego County homeowners. These programs ensure that current Otsego County residents have safe, decent places to live and preserve the county’s affordable housing stock for the next generation of Otsego County residents.

We match homeowners who need help with the right program for their situation, and then we work with local contractors to get the work done.

If you would like to learn more about our programs or need assistance, give our main office a call at (607) 286-7244.

What Work Do We Do?

While ORHA always has multiple grant programs running at once, they aren’t always the same programs. Our funding comes from a wide array of federal, state, and local programs that target both specific types of repairs and general whole-home rehabilitation. 

This list represents the common types of programs we have run throughout our history. Click the button below to view what we currently have available.


Many of our programs focus on renovations that improve accessibility and safety for seniors and people with disabilities.

Learn more about our accessibility work here.

Common funding sources: Access to Home, RESTORE, AHC

Major Repairs

Major repairs can be especially difficult for families to afford. We’ve helped households replace roofs, repair or replace major systems like electrical service or septic systems, and more.

We have also run programs that let us address all of the serious issues in a home at once.​

Common funding sources: HOME, CDBG, AHC

Smaller Repairs

Not all of our work involves major renovation! In addition to the accessibility modifications we’ve made, we’ve also helped Otsego County residents repair or replace windows, doors, stairs, floors, and everything else in a home.

Common funding sources: AHC, RESTORE, Otsego County grants


ORHA has helped a number of Otsego County families replace their dilapidated mobile homes with new, safe and healthy homes.

You can read about one of our prior replacement projects in the January 21st, 2021, e-edition of the Hometown Oneonta.

Common funding sources: CDBG, MMHR

Who Do We Assist?

Each program has its own specific eligibility criteria. Below is a list of requirements that apply to most (but not all) of our programs.

  • Location

    We assist households within Otsego County, NY.

  • Ownership & Occupancy

    Participants must own and live in the home. For most programs, participants must also own the land that the home is built on.

  • Income

    All programs have a limit on how much income a participating household can receive. This is usually written as a percentage of the area median income (AMI). The most common limit is 80% of AMI.

  • Safe Investment

    Most programs require that homeowners be current on their property taxes and mortgage (if they have one) and carry homeowners' insurance.

  • Plan to Stay

    Most programs require that homeowners be willing to sign a Note and Mortgage that requires them to continue to own and live in the home for a certain amount of time (generally 3 to 10 years, depending on the program). If a homeowner stops living in the home before that time has passed, they have to pay back some or all of the money ORHA spent on their home.

Current Common Income Limits

Below are some common income limits for our programs in Otsego County, according to household size. For more information on these limits, visit HUD’s website.

Family Size 80% AMI 100% AMI 120% AMI

Last updated: 2/6/2024

Contact Us

Want to discuss our home repair and rehabilitation programs? We’d be glad to hear from you!


P.O. Box 189
Milford, NY 13807


(607) 286-7244
Monday through Friday