Housing that working families can afford is one of the most important issues facing Collier County. Here is where the numbers stand today, what CBIA and its national partners are doing about it, and where residents can find help right now.
Need Housing? Local Help
The Housing Alliance and Housing Navigator
Information, education and advocacy for attainable housing in Collier County. Its affiliate, HELP (Housing Education Lending Program), offers free Housing Navigator counseling with HUD-certified, bilingual counselors for renters and first-time buyers.
Collier County Down Payment Assistance (SHIP)
Qualified first-time buyers may receive up to $100,000 toward down payment and closing costs as a 0% deferred loan, subject to funding and income limits.
Florida Housing Finance Corporation
Statewide first mortgage and down payment programs, including FL Assist (up to $10,000, 0% deferred). Check Hometown Heroes availability on the site.
Collier Community Land Trust
A certified community land trust working to create permanently attainable homes in Collier County.
Collier County Housing Programs
Rehabilitation, rental assistance, grants and the county’s housing plans.
Affordability by the Numbers
NAHB, 2026
NAHB, June 2026
NAHB, February 2026
Harvard JCHS, 2026
Sources: NAHB housing shortage; NAHB regulation study; NAHB priced-out estimates; Harvard JCHS, The State of the Nation’s Housing 2026.
NAHB’s 10-Point Plan to Address the Housing Affordability Crisis
NAHB, CBIA’s national affiliate, has a blueprint to remove the barriers that slow construction of new homes at the local and national level:
- Eliminate excessive regulations.
- Promote careers in the skilled trades.
- Fix building material supply chains and ease costs.
- Preserve energy choice for home heating and appliances.
- Overturn inefficient local zoning rules.
- Alleviate permitting roadblocks.
- Adopt reasonable and cost-effective building codes.
- Reduce local impact fees and other upfront taxes associated with housing construction.
- Make it easier for developers to finance new housing.
- Update employment policies to promote flexibility and opportunity.
Policy and Local Decision Makers
Florida’s Live Local Act
Passed in 2023 and amended in 2025, it allows qualifying affordable housing to be approved administratively in commercial, industrial and mixed-use zones.
Collier County Affordable Housing Advisory Committee
Meets the third Tuesday of every other month at 9:00 a.m., 2800 N Horseshoe Drive. Meetings are open to the public.
Collier County Workforce Housing Surtax
Part of the infrastructure surtax approved by voters in 2018 is dedicated to land for housing serving households at or below 120% of area median income.
CBIA advocates for policies that let our members build the homes Collier County needs.
See CBIA Advocacy Join CBIAFigures verified October 13, 2026. Program availability and limits change; confirm with each agency.