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City of Everett Housing Division

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The City of Everett’s Housing Division is committed to ensuring that Everett remains an affordable, sustainable, and inclusive community.

The City of Everett’s Housing Division is committed to ensuring that Everett remains an affordable, sustainable, and inclusive community. The City of Everett’s Housing Division is committed to ensuring that Everett remains an affordable, sustainable, and inclusive community.

We support residents by providing resources, programs, and assistance to renters, homeowners, and landlords to promote housing stability and long-term affordability.
Our division works to expand and improve housing opportunities by overseeing rental and homeownership assistance programs, and supporting housing-related initiatives.

We strive to:

  • Preserve and increase affordable housing options.
  • Assist first-time homebuyers and renters in securing stable housing.
  • Provide resources for eviction prevention and landlord-tenant mediation.
  • Support rehabilitation programs to improve housing quality and safety.

Through these efforts, it is our goal to make Everett a more livable and thriving community for all residents. Explore our programs and services to learn how we can best assist you.

Matt Lattanzi
Director of Planning & Community Development

Email: [email protected]

Phone Number: 617-394-2334

Zerina Gace
Affordable Housing Coordinator

Email: [email protected]

Phone Number: 617-394-2452

Address:
Department of Planning & Development
484 Broadway
Room 25
Everett, MA 02149

Hours:
Monday & Thursday, 8am – 7:30pm
Tuesday – Wednesday, 8am – 5pm

Resources for Homebuyers

City of Everett First-Time Homebuyer Down Payment Assistance Program

With the receipt of a $400,000 Earmark from the FY23 American Rescue Plan Act (ARPA), the City of Everett is proud to announce the establishment of the “Everett First-Time Homebuyer Down Payment Assistance Program”. The First-Time Homebuyer Assistance Program aims to provide financial assistance to eligible individuals and families in Everett, helping them overcome financial barriers to homeownership.

The program offers $20,000 in assistance to eligible applicants. The assistance is provided on a first -come, first-served basis based on the date and time of the receipt of completed application.
Click below to download the guidelines and applications. If you prefer a paper application, you can pick one up at the City of Everett Planning Department or either of the two Everett Public Library locations (Parlin Memorial Library – 410 Broadway; Shute Memorial Library – 781 Broadway).

Other Downpayment assistance resources:

The North Suburban Consortium (NSC)

The North Suburban Consortium (NSC) offers Down Payment Assistance loans (DPA) to income-eligible First Time Homebuyers (one who has had no ownership interest in a principal residence during the past 3 years OR a displaced homemaker or single parent who only owned a home with a former spouse while married) (FTHB) purchasing a condominium, townhome or single-family property in an NSC community (Arlington, Chelsea, Everett, Malden, Medford, Melrose, Revere, Winthrop). DPA can be used to assist with the down payment and closing costs, however, it cannot be used to reimburse previously paid earnest money deposit, funding housing reserve requirements, prepayment of life insurance premiums or to bridge the gap between purchase price and appraised value.

To learn more visit: HOME Program | Malden, MA

Click below to download the application:

NSC - Down Payment Assistance

Massachusetts Housing Partnership – One Mortgage

Homebuyer Resources – Massachusetts Housing Partnership

Masshousing:

First-Time Homebuyers in Massachusetts

MassHousing Down Payment Assistance Options:

First-Time Homebuyer Education

There are several programs to help you learn about the home buying process. They’ll teach you how to deal with credit issues, work with a Realtor, apply for a mortgage, and more.

The organizations below offer these First-Time Homebuyer classes:

Housing Education & Counseling Agencies | CHAPA – Citizens’ Housing & Planning Association

Workshop Calendar | My Mass Home

Resources for Homeowners/ Landlords

In its efforts to preserve the existing housing supply of owner-occupied affordable housing in the City of Everett, the City has created a Housing Rehabilitation Program, funded by the State’s Community Development Block Program (CDBG), administered through the City’s Department of Planning & Development. This Home Rehabilitation Program provides technical and financial assistance to residents who have limited means but wish to bring their residence up to code and make improvements to their home in order to maintain the residence as their primary residence. Additionally, rental units in owner-occupied properties may be brought up to code and improved, with the understanding that the owner shall rent those units to low-income households for an affordable rent for a term of 15 years. Staff in the Department of Planning & Development assist in providing rehabilitation specialist services to determine the repairs, upgrades, and renovations necessary (code compliance), develop work scopes, contracts, bidding support, and provide oversight of the construction process.

Loans awarded through this program are 0% interest, forgivable loans, with no payments required back to the City unless the property is sold within 15 years of receiving the funding. Loan forgiveness is calculated by decreasing 1/15th of the principal loan each year for 15 years. So, if an Everett resident receives $50,000 from the program and continues to own and occupy the residence for 15 years, the loan will be completely forgiven. Conversely, if the recipient sells their residence 10 years after the financial assistance is provided, the applicant would be required to pay the City 1/3rd (or, $16,667) of the principal amount upon selling the residence. In this scenario, no recurring monthly/annual payments would be required; repayment is only triggered if/when the residence is sold.

Resources for Renters

The City of Everett Rental Assistance Program is designed to provide temporary financial support to eligible residents who are facing financial hardship caused by the pandemic and are struggling to meet their rent payments. This program offers a one-time payment up to $2,000 to assist residents in covering rent payment arrearage, current rent, and/or future rent obligations. The assistance is provided directly to the landlord on behalf of the tenant. Funds will be distributed on a first-come, first-served basis..

  • 1.Residency requirement: Applicants must be current residents of the City of Everett, Massachusetts. Proof of residency is required(e.g., utility bills, lease agreement).
  • 2. Income requirement: Household income must not exceed 65% of the Area Median Income (AMI) as defined by the US Treasury. A ‘household’ is defined as an individual or two or more persons who live regularly in the unit as their principal residence and who are related by blood, marriage, law, or who have otherwise evidenced a stable, interdependent relationship.
    FY 2024 Income Limits for the Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area, for the 65% income limit level:
  • 1 person: $74,230
  • 2 people: $84,890
  • 3 people: $95,485
  • 4 people: $106,080
  • 5 people: $114,595
  • 6 people: $123,110
  • 7 people: $131,560
  • 8 people: $140,010
  • 3. Lease Requirement: Rent must be demonstrated by providing ONE of the following:

1.

ACTIVE LEASE AGREEMENT
For a rental unit within the City of Everett.
The lease must be in the applicant’s name and dated at least one month before the application.

2.

RENTAL AGREEMENT
Rental agreement. Any rental agreement shall include:

  • Monthly rental amount
  • Address of unit being rented
  • Signature of landlord and tenant
  • It must include a start date and an end date in the future (or an end date that passed), as long as there is language about a month-to- month lease thereafter or a self- renewing lease term. (*The Landlord may not also live in the apartment they are renting to the tenant

3.

SIGNED AFFIDAVIT (TEMPLATE IN THE APPLICATION FOLDER)
That includes signature from both the applicant and the landlord AND copy of rental ledger or cancelled rent check or money order that clearly indicates the payment is for the rent.

To apply:

Click below to download the guidelines and applications.

If you prefer a paper application, you can pick one up at the City of Everett Planning Department or any Everett Public Library location.

Online applications are available at Online Permit Center : Home – ViewPoint Cloud

Other available resources and helpful links for Renters

Emergency Rental Assistance administered by Action for Boston Community Development (ABCD). Residents of Everett may reach out ABCD at [email protected] to begin the application process.

Other services provided by ABCD include:

  • Housing Counseling
  • Mobile Homeless Outreach Team (MHOT)
  • Housing Support Services (Rental/Utility Assistance* and Application Support)

ABCD Housing Workshop – Malden Location

WORKSHOPS WILL BE ON SELECT WEDNESDAYS EACH MONTH (FROM 10:00AM TO 12:00PM).

Everett residents interested should contact ABCD at [email protected] to sign up.

For more information visit: Housing Workshops – ABCD Action for Boston Community Development.

Help for Housing & Utility Issues

CONNECT – The Neighborhood Developers and the City of Everett are partnering to offer dedicated office hours for Everett residents in need of rental or utility assistance.

English

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Kreyòl Ayisyen

click on images to enlarge

Housing Legal Services

The City of Everett is currently hosting Housing Families Inc. for legal services office hours for Everett residents.

When: Every Third Thursday of the month from 4:00pm- 7:00pm

Where: Everett City Hall, Room 25, Everett MA 02149

No appointment required; First come-first serve.

English

Español

click on images to enlarge

Common Housing Application for Massachusetts Programs (CHAMP)

To apply for state-aided public housing and state-funded rental vouchers visit  Home – CHAMP.

To apply for Section 8 program and for State Aided Elderly (CH.667) and Family (CH.200) Housing Programs visit: Everett Housing Authority

Guide to Landlord/Tenant Rights

The Commonwealth of Massachusetts’ Office of the Attorney General  has published the Attorney General’s Guide to Landlord/Tenant Rights which outlines the laws and regulations that govern rental agreement considerations,  tenancy, payment agreements, eviction, habitable living conditions, and housing discrimination. For more information, please visit the Office of the Attorney General or call 617-727-2200.

Inclusionary Zoning & Rental Vacancies

Due to demographics and development trends, affordable housing needs are expected to continue to increase in the City. The City of Everett’s Inclusionary Zoning Ordinance was established in 2016 and updated in 2021. The ordinance requires and incentivizes developers to deed-restrict at least fifteen percent (15%) of the units in any development containing at least 10 residential units as below-market rate housing opportunities for renters. This strategy aims to create mixed-income communities, ensuring that new developments provide housing opportunities for a range of income levels promoting diversity and inclusivity in neighborhoods throughout the City of Everett.

In all zoning districts, the inclusionary zoning provisions apply to any project or series of projects that results, in the aggregate, in a total of ten (10) or more dwelling units, whether by new construction or by the alteration, expansion, reconstruction, or change of existing residential or nonresidential space. For all projects subject to Inclusionary Zoning the City applies for the maximum percentage (70%) of Local Preference Units allowed by the Executive Office of Housing and Livable Communities (EOHLC). This means that a majority of the deed-restricted units created shall be dedicated to serve existing Everett residents.

Affordable housing produced through this regulation must be in compliance with the requirements set forth in M.G.L. c. 40B §§ 20-24 and other affordable housing programs developed by state, county, and local governments.

Inclusionary Rental Program Income Limits
(50%, 80%, 110% AMI)

TypeTitlePostedFile SizeDownload

2024 HUD Income Limits

Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area

Household Size 50% 80% 120%
1 Person $57,100 $91,200 $125,076
2 Person $65,300 $104,200 $142,944
3 Person $73,450 $117,250 $160,812
4 Person $81,600 $130,250 $178,680
5 Person $88,150 $140,700 $192,974
6 Person $94,700 $151,100 $207,269

Click on the tabs below to learn about affordable housing and other programs for income-eligible residents.

Artemis - SEB HOUSING
TypeTitlePostedFile SizeDownload

Maximum Allowable Household Income
1 Person Household: $91,200
2 Person Household: $104,200
3 Person Household: $117,250
4 Person Household: $130,250

Overview
Artemas is a new development located in Everett at 5 Air Force Road.
There will be fifty-nine (59) affordable apartments within the community that will be rented to households with incomes at or below 80% of the area median income through this application process.

Rent
Unit Size: 80% AMI Size
Studio: $2,035
1BR: $2,303
2BR: $2,541

Key Related Dates
March 6, 2025: Information Session: 6:00 pm via Zoom. Go to zoom.com/join or call (646) 558-8656 and enter Meeting ID: 818 9317 7595, Passcode: 088159

March 31, 2025: Application Deadline at 2PM

April 15, 2025: Lottery: 6:00pm via Zoom. Go to zoom.com/join or call (646) 558-8656 and enter Meeting ID: 857 2736 5609, Passcode: 276410

Questions?
Contact 617-782-2300 / [email protected]

Beacham Street Apartments 30 Beacham Street, Everett MA 02149

Minimum income limits apply unless the household receives mobile housing assistance (including, but not limited to: VASH, Section 8 and MRVP).

  • Program: 40B
  • Number of Income-Restricted Apartments: 5 (Five 1-Bedroom Units)
  • Income-Restricted, ADA-Accessible Apartments: 1
  • Maximum Income Limit: 80% AMI (Area Median Income) — Based on HUD Limits
  • Asset Limit: No asset limit for 40B

Income and rent limits are determined by HUD on an annual basis.

TypeTitlePostedFile SizeDownload

Current Rental Availability

Property # Beds Rent Minimum Income Income Limit (AMI) Units Available Accessible Units
Beacham Street Apartments 1-Bedroom $2,257 $67,710 80% 5 1

Everett Villa Co-op 62+  -66 Main Street, Everett MA 02149

Home – CSI  To request an application contact 800-225-3151.

Maxwell is the second phase of the residential development at 102 Mill Road located in Everett’s Commercial Triangle District.
It contains 330 units, with 29 of them being designated as income-restricted. They will be rented to households earning at or below 80% AMI (Area Median Income).

Minimum income limits apply unless the household receives mobile housing assistance (including, but not limited to: VASH, Section 8 and MRVP).

  • Program: 40B
  • Number of Income-Restricted Apartments: 29 (Eight Studio Units, Twelve, 1-Bedroom Units, & Nine, 2-Bedroom Units)
  • Apartment Sizes: Studio, 1-Bedroom, & 2-Bedroom
  • Income-Restricted, ADA-Accessible Apartments: 7 (One Studio Unit, Four, 1-Bedroom Units, & Two, 2-Bedroom Units built out for Households with Mobility Impairments)
  • Maximum Income Limit: 80% AMI (Area Median Income) — Based on HUD Limits

*Income and rent limits are determined by HUD on an annual basis. To find out more about the current year’s limits, please above: Inclusionary Rental Program Income Limits.

TypeTitlePostedFile SizeDownload
Property # Beds Rent Minimum Income Income Limit (AMI) Units Available Accessible Units
Maxwell Studio $2,064 $61,920 80% 7 0
Maxwell 1-Bedroom $2,346 $70,410 80% 8 0
Maxwell 2-Bedroom $2,597 $87,930 80% 7 0
Maxwell Studio (ADA-M Unit) $2,064 $61,920 80% 1 (ADA Unit) 1 Unit built out for Households with Mobility Impairments
Maxwell 1-Bedroom (ADA-M Units) $2,327 $69,810 80% 4 (ADA Unit) 4 Units built out for Households with Mobility Impairments
Maxwell 2-Bedroom (ADA-M Units) $2,571 $$77,130 80% 2 (ADA Unit) 2 Units built out for Households with Mobility Impairments
Property # Beds Rent Minimum Income Income Limit (AMI) Units Available Accessible Units
Maxwell Studio $2,064 $61,920 80% 7 0
Maxwell 1-Bedroom $2,346 $70,410 80% 8 0
Maxwell 2-Bedroom $2,597 $87,930 80% 7 0
Maxwell Studio (ADA-M Unit) $2,064 $61,920 80% 1 (ADA Unit) 1 Unit built out for Households with Mobility Impairments
Maxwell 1-Bedroom (ADA-M Units) $2,327 $69,810 80% 4 (ADA Unit) 4 Units built out for Households with Mobility Impairments
Maxwell 2-Bedroom (ADA-M Units) $2,571 $$77,130 80% 2 (ADA Unit) 2 Units built out for Households with Mobility Impairments

For  questions contact Winn Residential at 617-884-0692  St. Therese — The Neighborhood Developers

Download the applications below:

Download application
TypeTitlePostedFile SizeDownload

You can also search for affordable rental opportunities using the Housing Navigator MA website and homeownership opportunities using the MyMassHome website.

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