HomeMy WebLinkAbout2026 Action Plan_Draft Annual Action Plan
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Executive Summary
AP-05 Executive Summary - 91.200(c), 91.220(b)
1. Introduction
The City of South Bend, Indiana is an entitlement community under the U.S. Department of Housing &
Urban Development's (HUD) Community Development Block Grant (CDBG) Program and Emergency
Solutions Grant (ESG) Program. The City of South Bend is the Participating Jurisdiction (PJ) of the St.
Joseph County Housing Consortium. In compliance with HUD regulations, the City of South Bend has
prepared this Program Year 2026 Action Plan for the period of January 1, 2026 through December 31,
2026. This plan is a strategic plan for the implementation of the Consortium’s HOME Program for
affordable housing within St. Joseph County and the City's CDBG and ESG Programs for housing,
community and economic development, emergency shelter, and rapid rehousing within the City of
South Bend.
The 2026 Action Plan is the second year of the 2025-2029 Five-Year Consolidated Plan. The five-year
plan establishes goals and outlines specific initiatives the City and the Consortium will undertake to
address needs and priority objectives. This will be accomplished by promoting: the rehabilitation and
construction of decent, safe, sanitary, and affordable housing; creating a suitable living environment;
removing slums and blighting conditions; affirmatively furthering fair housing; improving public services;
expanding economic opportunities; and principally benefitting low- and moderate-income persons.
This Action Plan is a collaborative effort of the St. Joseph County Housing Consortium, the City of South
Bend, the community at large, social service agencies, housing providers, community development
agencies, economic development groups, and other stakeholders. The planning process was
accomplished through public meetings, stakeholder discussions, statistical data, and review of the City's
Comprehensive Plan and other community plans.
2. Summarize the objectives and outcomes identified in the Plan
This could be a restatement of items or a table listed elsewhere in the plan or a reference to
another location. It may also contain any essential items from the housing and homeless needs
assessment, the housing market analysis or the strategic plan.
The following strategies, goals, and priorities have been identified for the St. Joseph County Housing
Consortium's 2025 program year using HOME funds. The City of South Bend also proposes the following
strategies for its CDBG and ESG programs:
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HOUSING PRIORITY - HS
Goal: Improve, preserve, and expand affordable housing for low- and moderate-income households in
South Bend and unincorporated St. Joseph County.
Objectives:
• HS-1 Housing Development – Increase decent, safe, accessible, and affordable owner- and renter-
occupied units.
• HS-2 Homeownership – Expand homeownership opportunities through financial assistance and
counseling.
• HS-3 Housing Rehabilitation – Support rehabilitation of existing owner- and renter-occupied housing.
• HS-4 Lead-Based Paint – Educate owners on lead hazards and safe work practices.
• HS-5 Housing Assistance – Provide rental, deposit, and utility assistance for households at risk of
homelessness.
• HS-6 Fair Housing – Promote fair housing rights and educate landlords, realtors, lenders, and sellers.
• HS-7 Supportive Services – Provide counseling to assist low- and moderate-income households with
home purchase, maintenance, and eviction prevention.
HOMELESS PRIORITY - HO
Goal: Improve housing conditions and services for persons experiencing or at risk of homelessness in
South Bend.
Objectives:
• HO-1 Housing Opportunities – Increase housing options and improve living conditions for homeless
individuals and families.
• HO-2 Supportive Services – Assist agencies providing supportive and management services.
• HO-3 Homeless Prevention – Support eviction prevention and fair housing education.
• HO-4 Permanent Supportive Housing – Assist development of permanent supportive housing for
persons exiting shelters or transitional programs.
• HO-5 Shelter Housing – Support shelter operations and programs that provide training and stability for
residents.
COMMUNITY DEVELOPMENT PRIORITY - CD
Goal: Improve and develop public facilities, infrastructure, and services that enhance quality of life for
South Bend residents.
Objectives:
• CD-1 Infrastructure – Rehabilitate and construct streets, sidewalks, ADA ramps, sewer and stormwater
systems, and other improvements.
• CD-2 Community Facilities – Improve and expand parks, recreational facilities, libraries, and public
buildings.
• CD-3 Public Services – Support social, health, and nutrition programs for low- and moderate-income
persons.
• CD-4 Clearance and Demolition – Remove blighted and unsafe vacant structures.
• CD-5 Public Safety – Enhance fire protection, emergency response, and crime prevention services.
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• CD-6 Public Transportation – Expand routes, improve shelters, and increase service frequency for
access to employment and essential services.
• CD-7 Neighborhood Revitalization – Strengthen neighborhood stability, support community-based
organizations, and consider NRSA planning.
ADMINISTRATION, PLANNING, AND MANAGEMENT STRATEGY - APM
Goal: Provide planning, administration, and oversight of CDBG, HOME, and ESG programs.
Objectives:
• AP-1 General Administration – Maintain effective management and oversight of grant programs.
• AP-2 Planning – Conduct planning activities, environmental reviews, studies, program design, and
application preparation.
• AP-3 Affirmatively Furthering Fair Housing – Support policies and activities that promote fair housing
throughout the County.
3. Evaluation of past performance
This is an evaluation of past performance that helped lead the grantee to choose its goals or
projects.
The City of South Bend has a good performance record with HUD. Each year the City prepares its
Consolidated Annual Performance and Evaluation Report (CAPER). This report is submitted within ninety
(90) days after the start of the new program year. Copies of the CAPER are available for review at the
City of South Bend’s Community Investment office and online at the City’s website.
The FY 2025 CAPER information will be included in the Final Action Plan.
4. Summary of Citizen Participation Process and consultation process
Summary from citizen participation section of plan.
The City of South Bend has followed its Citizen Participation Plan in the planning and preparation of the
2026 Action Plan. The City of South Bend and St. Joseph County Housing Consortium held its first public
hearing on the needs of the community and its residents on September 10, 2025. This provided
residents, agencies, and organizations with the opportunity to discuss the City's CDBG, HOME, and ESG
programs and to provide suggestions for future CDBG, HOME, and ESG program priorities and activities.
A display ad was publilshed on August 25, 2025, in the South Bend Tribune, the local newspaper with
the highest circulation, to notify the public that community input was requested for the drafting of the
2026 Action Plan and that 2026 Requests for Proposals were available for the public. In addition,
notification of the notice was published on El Puente's website, the local Spanish language news source.
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A display ad was published August 25, 2025, in the South Bend Tribune, the local newspaper with
highest circulation, to notify the public that copies of the draft 2024 Action Plan were available for
review. In addition, notification of the availability of the draft 2024 Action plan was published on El
Puente’s website, the local Spanish language news source. The draft 2024 Action Plan was on public
display at the following locations:
• The St. Joseph County Public Library (all branches)
• Mishawaka Public Library (all branches)
• Walkerton Public Library
• New Carlisle-Olive Township Public Library
• City of South Bend Department of Community Investment
• City of South Bend Office of the Clerk
• City of Mishawaka Department of Community Development
The City of South Bend updated its Citizen Participation Plan to include provisions for public display and
public comment during a declaration of a state of emergency by the Governor of Indiana and to remain
in compliance with HUD regulations. These provisions shortened display periods for plans and
substantial amendments to 5 days, allowed for virtual public meetings, and the requirement that plans
be emailed to any resident that requests them.
A more detailed analysis and description of the citizen participation process is contained in Section PR-
15 Citizen Participation. A copy of the full plan can be found in the attachments.
5. Summary of public comments
This could be a brief narrative summary or reference an attached document from the Citizen
Participation section of the Con Plan.
The City of South Bend and St. Joseph County Housing Consortium held Public Hearings on September
10, 2025, in Mishawaka and South Bend. No comments were received from the public at either hearing
or during the public comment period.
A second round of Public Hearings was scheduled for December 5, 2025 to receive comments from the
public on the draft 2026 Action Plan. Any comments received will be added to the Action Plan.
6. Summary of comments or views not accepted and the reasons for not accepting them
All comments and suggestions received have been accepted and incorporated into the planning
document.
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Any comments received at future public hearings will be added to the planning document.
7. Summary
A substantial amendment prompting application of the City’s citizen participation process, including
public notice and comment periods, as well as a public hearing, will apply when any of the following
changes are made to a Plan:
1. To make a change in the allocation priorities or a change in the method of distribution of funds to
existing planned activities that exceed forty-nine (49) percent of the total annual allocation for the
grant;
2. To carry out an activity, using funds from any program covered by the ConPlan, not previously
described in the action plan; or
3. A change in the following for an activity:
a. Purpose/scope
i. Definition: the need that is addressed in the community and the program funding the project
1. Example: a change from building housing to economic development, a change in federal
funding source from CDBG to HOME or vice versa
b. Location
i. Definition: the census tract of the project
1. Example: a change from Census Tract 6 to Census Tract 12
c. Beneficiaries
i. Definition: low- to moderate income person(s), limited clientele, area benefit, slum and blight
area
1. Example: a project that changes from serving low- to moderate income person(s) to a project
that is serving a slum and blight area
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PR-05 Lead & Responsible Agencies - 91.200(b)
1. Agency/entity responsible for preparing/administering the Consolidated Plan
The following are the agencies/entities responsible for preparing the Consolidated Plan and those responsible for administration of
each grant program and funding source.
Agency Role Name Department/Agency
Lead Agency SOUTH BEND
CDBG Administrator SOUTH BEND Department of Community Investment
HOPWA Administrator
HOME Administrator SOUTH BEND Department of Community Investment
ESG Administrator SOUTH BEND Department of Community Investment
HOPWA-C Administrator SOUTH BEND Community Development
Table 1 – Responsible Agencies
Narrative
The administering lead agency for CDBG, ESG, and HOME funding is the City of South Bend through its Department of Community Investment
(DCI). DCI staff prepare the Five-Year Consolidated Plan, Annual Action Plans, Environmental Review Records (ERR), and the Consolidated Annual
Performance and Evaluation Reports (CAPERs), process pay requests, and perform contracting, monitoring, and oversight of the program on a
day to day basis.
Consolidated Plan Public Contact Information
Elizabeth Maradik, Chief Neighborhoods Officer
215 S. Dr, Martin Luther King, Jr. Blvd., Suite 500, South Bend, IN 46601
Telephone: (574) 235-5821
Email: emaradik@southbendin.gov
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AP-10 Consultation - 91.100, 91.200(b), 91.215(l)
1. Introduction
Staff of the City of South Bend and the St. Joseph County Housing Consortium held regular meetings
with non-profits, social service agencies, community and economic development organizations, the local
Region 2.a Planning Council of the Balance of State, City department representatives, and St. Joseph
County department representatives. These meetings discuss issues and help to identify needs, gaps in
the system, and programmatic goals for Program Year 2026. Input from the meetings was used in the
development of specific strategies and priorities for the Action Plan.
Provide a concise summary of the jurisdiction’s activities to enhance coordination between
public and assisted housing providers and private and governmental health, mental health
and service agencies (91.215(l)).
The City of South Bend and the St. Joseph County Housing Consortium work with the following agencies
to enhance coordination:
• The Housing Authority of South Bend - Improvements to public housing communities.
• Social Services Agencies - funds to improve services to low- and moderate-income persons.
• Housing Providers - funds to rehabilitate and develop affordable housing and provide housing
opportunities for low- and moderate-income households.
• Community and Economic Development Agencies - funds to improve services to low- and
moderate-income persons, and workforce development.
Describe coordination with the Continuum of Care and efforts to address the needs of
homeless persons (particularly chronically homeless individuals and families, families with
children, veterans, and unaccompanied youth) and persons at risk of homelessness.
The Indiana Balance of State Continuum of Care (CoC) addresses the needs of homeless persons and
persons at risk of becoming homeless. St. Joseph County is a separate region within the Balance of State
CoC that encompasses only St. Joseph County. The region has utilized Coordinated Entry since January of
2018 to determine the needs of homeless individuals and families and offer housing programs best
suited to their needs. Persons who are homeless or at-risk of becoming homeless are evaluated using
the CHAT and placed in appropriate housing as available. In addition to the CHATâ¿¿s prioritization
metrics, the Region 2.a. Planning Council chose to also prioritize veterans and domestic violence
survivors. Placement rates of homeless individuals and families in St. Joseph County have increased
since the adoption of Coordinated Entry.
The Point-In-Time Count for sheltered and unsheltered homeless persons is completed on a designated
date once a year, in the month of January.ÿ The results of the statewide counts are available to the
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public on the Indiana Balance of State CoC website (https://www.in.gov/ihcda/indiana-balance-of-state-
continuum-of-care/point-in-time-and-housing-inventory-chart/).ÿÂ
Describe consultation with the Continuum(s) of Care that serves the jurisdiction’s area in
determining how to allocate ESG funds, develop performance standards for and evaluate
outcomes of projects and activities assisted by ESG funds, and develop funding, policies and
procedures for the operation and administration of HMIS
ESG - The Center for the Homeless, the YWCA, Youth Service Bureau, AIDS Ministries/AIDS Assist, and
Life Treatment Centers have received ESG funds through the City of South Bend. The Department of
Community Investment issues an RFP for ESG-funded projects on behalf of the City. The process is
competitive and seeks projects that provide emergency shelter, essential services, and/or rapid re-
housing for the homeless.
Develop Performance Standards and Evaluate Outcomes - The Indiana Balance of State CoCâ¿¿s
written standards focus on a â¿¿Housing First Modelâ¿ and follow the best practices of that
model. The written standards utilize several strategies to increase the number of people who exit
Emergency Shelter, Transitional Housing, and Rapid Re-housing into Permanent Housing. Evaluations of
these standards will be based on the length-of-time of being homeless and measures the amount of
time an individual or family resides in emergency shelter, transitional housing, or rapid re-housing. The
CoC seeks to make progress on preventing evictions, targeting individuals and families based on risk, and
influencing housing developers in the area to create Permanent Supportive Housing.
HMIS - The Indiana Balance of State CoC and the HMIS Lead work together to assess data quality. This
includes working on the Annual Homeless Assessment Report (AHAR), the Point-In-Time (PIT) count,
project reviews/ranking, and working with programs for individuals, while completing their Annual
Performance Reports (APRs). The system ensures data quality by requiring many of the universal data
elements upon enrolling a participant into a program. Additionally, the system has an alert system with
exit date reminders. The workflow of data entry has been updated to improve data quality. The HMIS
Lead supports users by staffing a Help Desk and providing training opportunities. Agency users can run
self-reports to assess their programâ¿¿s data quality. ESG subrecipients are required to use the
HMIS system unless they are victim services providers. CoC-funded organizations are motivated to
provide good data quality because the Indiana Balance of State CoC has moved toward a data-driven
project review and ranking system. Projects with poor data quality are more likely to show poor
outcomes, impacting their funding.
2. Agencies, groups, organizations and others who participated in the process and
consultations
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Table 2 – Agencies, groups, organizations who participated
1 Agency/Group/Organization City of South Bend, Department of Community Investment
Agency/Group/Organization Type Housing
Services - Broadband Internet Service Providers
Services - Narrowing the Digital Divide
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Market Analysis
Economic Development
Anti-poverty Strategy
Lead-based Paint Strategy
Community Development Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
The City reviewed its programs and funded activities to ensure they met the
goals and objectives as outlined in the City's Five-Year Consolidated Plan.
2 Agency/Group/Organization Housing Authority of South Bend
Agency/Group/Organization Type Housing
PHA
Planning organization
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What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Public Housing Needs
Non-Homeless Special Needs
Anti-poverty Strategy
Lead-based Paint Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
The City had conversations with the Housing Authority of South Bend to
determine the housing needs of its low-income residents. The City reviewed its
applications for funding and awarded activities that met the goals and
objectives as outlined in the City's Five-Year Consolidated Plan to address these
housing needs.
3 Agency/Group/Organization MISHAWAKA
Agency/Group/Organization Type Other government - Local
Planning organization
Grantee Department
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Lead-based Paint Strategy
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Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
The City of Mishawaka participates in the Saint Joseph County Housing
Consortium. The City reviewed its program and funded activities that met the
goals and objectives as outlined in the City's Five-Year Consolidated Plan.
4 Agency/Group/Organization YOUTH SERVICE BUREAU
Agency/Group/Organization Type Housing
Services - Housing
Services-Children
Services-homeless
Child Welfare Agency
Regional organization
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
5 Agency/Group/Organization ST. MARGARET'S HOUSE
Agency/Group/Organization Type Services - Housing
Services-Children
Services-Victims of Domestic Violence
Services - Victims
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What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
6 Agency/Group/Organization THE CENTER FOR THE HOMELESS
Agency/Group/Organization Type Housing
Services - Housing
Services-Children
Services-Elderly Persons
Services-Persons with Disabilities
Services-Persons with HIV/AIDS
Services-Victims of Domestic Violence
Services-homeless
Services - Victims
Publicly Funded Institution/System of Care
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What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
7 Agency/Group/Organization Goodwill Bridges out of Poverty
Agency/Group/Organization Type Services-Education
Services-Employment
Regional organization
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
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8 Agency/Group/Organization Health Plus Indiana
Agency/Group/Organization Type Housing
Services - Housing
Services-Persons with Disabilities
Services-Persons with HIV/AIDS
Regional organization
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
9 Agency/Group/Organization Dismas House of South Bend
Agency/Group/Organization Type Services-homeless
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Anti-poverty Strategy
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Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
10 Agency/Group/Organization CITY OF MISHAWAKA - DEPT OF PLANNING & COMMUNITY DEV
Agency/Group/Organization Type Other government - Local
Planning organization
Civic Leaders
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
11 Agency/Group/Organization Business Development Department
Agency/Group/Organization Type Other government - County
Other government - Local
Planning organization
Business and Civic Leaders
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What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
12 Agency/Group/Organization SALVATION ARMY
Agency/Group/Organization Type Services - Housing
Services-homeless
Child Welfare Agency
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
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13 Agency/Group/Organization St. Joseph County Department of Health
Agency/Group/Organization Type Services - Housing
Services-Health
Other government - County
Other government - Local
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Market Analysis
Lead-based Paint Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
14 Agency/Group/Organization HABITAT FOR HUMANITY
Agency/Group/Organization Type Housing
Services - Housing
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
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15 Agency/Group/Organization Intend Indiana
Agency/Group/Organization Type Housing
Services - Housing
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
16 Agency/Group/Organization Hurry Home
Agency/Group/Organization Type Housing
Services - Housing
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What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
17 Agency/Group/Organization SOUTH BEND HERITAGE FOUNDATION
Agency/Group/Organization Type Housing
Services - Housing
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
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Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
18 Agency/Group/Organization The Arc Of Indiana
Agency/Group/Organization Type Services-Health
Services-Education
Health Agency
Child Welfare Agency
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
Annual Action Plan
2026
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19 Agency/Group/Organization Veterans Administration
Agency/Group/Organization Type Services-homeless
Services-Health
Services-Employment
Health Agency
Publicly Funded Institution/System of Care
Other government - Federal
Veterans
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
20 Agency/Group/Organization Transpo
Agency/Group/Organization Type Regional organization
Planning organization
Public Transit
Annual Action Plan
2026
23
OMB Control No: 2506-0117 (exp. 09/30/2021)
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
21 Agency/Group/Organization NEAR NORTHWEST NEIGHBORHOOD, INC.
Agency/Group/Organization Type Housing
Services - Housing
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
22 Agency/Group/Organization 1st Source Bank
Agency/Group/Organization Type Business Leaders
Private Sector Banking / Financing
Annual Action Plan
2026
24
OMB Control No: 2506-0117 (exp. 09/30/2021)
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
23 Agency/Group/Organization Communitywide FCU
Agency/Group/Organization Type Business and Civic Leaders
Private Sector Banking / Financing
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
24 Agency/Group/Organization Northwest Bank
Agency/Group/Organization Type Business and Civic Leaders
Private Sector Banking / Financing
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Market Analysis
Economic Development
Anti-poverty Strategy
Annual Action Plan
2026
25
OMB Control No: 2506-0117 (exp. 09/30/2021)
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
25 Agency/Group/Organization Brightpoint
Agency/Group/Organization Type Services-homeless
Services-Health
Services-Employment
Other government - Federal
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
26 Agency/Group/Organization Food Bank of Northern Indiana
Agency/Group/Organization Type Services-homeless
Services-Health
Annual Action Plan
2026
26
OMB Control No: 2506-0117 (exp. 09/30/2021)
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
27 Agency/Group/Organization Cultivate Food Rescue
Agency/Group/Organization Type Services-homeless
Services-Health
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Annual Action Plan
2026
27
OMB Control No: 2506-0117 (exp. 09/30/2021)
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
28 Agency/Group/Organization Northern Indiana Minority Business Association
Agency/Group/Organization Type Business and Civic Leaders
Economic Development
What section of the Plan was addressed by
Consultation?
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
29 Agency/Group/Organization El Campito
Agency/Group/Organization Type Services-Children
Services-Persons with Disabilities
Services-Health
Services-Education
Health Agency
Child Welfare Agency
Annual Action Plan
2026
28
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What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
30 Agency/Group/Organization Our Lady of the Road
Agency/Group/Organization Type Housing
Services - Housing
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Annual Action Plan
2026
29
OMB Control No: 2506-0117 (exp. 09/30/2021)
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
31 Agency/Group/Organization Community Forum for Economic Justice
Agency/Group/Organization Type Services-homeless
Advocacy Agency
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
32 Agency/Group/Organization South Bend Regional Chamber of Commerce
Agency/Group/Organization Type Business Leaders
Business and Civic Leaders
What section of the Plan was addressed by
Consultation?
Market Analysis
Economic Development
Anti-poverty Strategy
Annual Action Plan
2026
30
OMB Control No: 2506-0117 (exp. 09/30/2021)
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
33 Agency/Group/Organization United Way of St. Joseph County
Agency/Group/Organization Type Services - Housing
Services-Children
Services-Elderly Persons
Services-Persons with Disabilities
Services-Persons with HIV/AIDS
Services-Victims of Domestic Violence
Services-homeless
Services-Health
Services-Education
Services-Employment
Service-Fair Housing
Services - Victims
Regional organization
Civic Leaders
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Annual Action Plan
2026
31
OMB Control No: 2506-0117 (exp. 09/30/2021)
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
34 Agency/Group/Organization YWCA North Central Indiana
Agency/Group/Organization Type Services - Housing
Services-Children
Services-Persons with Disabilities
Services-Victims of Domestic Violence
Services-Health
Services-Education
Services-Employment
Services - Victims
Regional organization
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
Annual Action Plan
2026
32
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35 Agency/Group/Organization St. Joseph County Emergency Management Agency
Agency/Group/Organization Type Services - Broadband Internet Service Providers
Services - Narrowing the Digital Divide
Agency - Managing Flood Prone Areas
Agency - Management of Public Land or Water Resources
Agency - Emergency Management
Other government - County
Regional organization
Planning organization
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Market Analysis
Economic Development
Anti-poverty Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Hazard Mitigation Plans were reviewed for preparation of the Consolidated Plan
Need Assessment.
Annual Action Plan
2026
33
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36 Agency/Group/Organization Indiana Office of Community & Rural Affairs
Agency/Group/Organization Type Services - Housing
Services-Children
Services-Elderly Persons
Services-Persons with Disabilities
Services-Persons with HIV/AIDS
Services-Victims of Domestic Violence
Services-homeless
Services-Health
Services-Education
Services-Employment
Service-Fair Housing
Services - Victims
Services - Broadband Internet Service Providers
Services - Narrowing the Digital Divide
Other government - State
Regional organization
Planning organization
Annual Action Plan
2026
34
OMB Control No: 2506-0117 (exp. 09/30/2021)
What section of the Plan was addressed by
Consultation?
Housing Need Assessment
Homeless Needs - Chronically homeless
Homeless Needs - Families with children
Homelessness Needs - Veterans
Homelessness Needs - Unaccompanied youth
Homelessness Strategy
Non-Homeless Special Needs
Market Analysis
Economic Development
Anti-poverty Strategy
Lead-based Paint Strategy
Briefly describe how the Agency/Group/Organization
was consulted. What are the anticipated outcomes of
the consultation or areas for improved coordination?
Group meeting held, phone calls; housing and community development
priorities; social service and economic development needs.
Identify any Agency Types not consulted and provide rationale for not consulting
All agency types were consulted and contacted during the planning process.
Other local/regional/state/federal planning efforts considered when preparing the Plan
Name of Plan Lead Organization How do the goals of your Strategic Plan overlap with the goals of each
plan?
Continuum of Care Indiana Balance of State Continuum
of Care
They are incorporated in the Five-Year Consolidated Plan and the Annual
Action Plans.
Table 3 – Other local / regional / federal planning efforts
Narrative
Annual Action Plan
2026
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The following social services, housing, and community and economic development agencies/
organizations were consulted:
ï¿· ARC of Indiana
ï¿· Brightpoint
ï¿· St. Joseph County Area Planning Commission
ï¿· 1st Source Bank
ï¿· Northwest Bank
ï¿· Communitywide Credit Union
ï¿· Northern Indiana Minority Business Association
ï¿· St. Joseph County Continuum of Care
ï¿· United Way of St. Joseph County
ï¿· St. Joseph County Department of Health
ï¿· Housing Authority of the City of South Bend
ï¿· Housing Authority of the City of Mishawaka
ï¿· Habitat for Humanity of St. Joseph County
ï¿· Intend Indiana
ï¿· Indiana Health Centers
ï¿· South Bend Heritage Foundation
ï¿· Hurry Home
ï¿· Health Plus Indiana
ï¿· Veterans’ Administration Northern Indiana Healthcare System
ï¿· Youth Service Bureau
ï¿· St. Margaret’s House
ï¿· Salvation Army Kroc Center
ï¿· Center for the Homeless
ï¿· Cultivate Food Rescue
ï¿· Food Bank for Northern Indiana
ï¿· Portage County Trustee
ï¿· The Clubhouse
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2026
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ï¿· Near Northwest Neighborhood, Inc
ï¿· Goodwill Bridges Out of Poverty
ï¿· Dismas House
ï¿· Transpo
ï¿· Mishawaka Homeless Coalition
ï¿· YWCA North Central Indiana
ï¿· El Campito
ï¿· Our Lady of the Road/Motel for Now
ï¿· Community Forum for Economic Justice
ï¿· South Bend Regional Chamber of Commerce
ï¿· City of South Bend
ï¿· City of Mishawaka
ï¿· St. Joseph County
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2026
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AP-12 Participation - 91.401, 91.105, 91.200(c)
1. Summary of citizen participation process/Efforts made to broaden citizen participation
Summarize citizen participation process and how it impacted goal-setting
The City of South Bend (in its PJ role with the St. Joseph County Housing Consortium) has followed its
adopted Citizens Participation Plan to develop this Annual Action Plan.
The FY 2025 - 2029 Consolidated Plan and FY 2026 Annual Action Plan have the following components
that require and encourage citizen participation: discussions with various stakeholders; a public needs
hearing; and a public hearing to gather comments on the draft plan on public display. Through input
obtained through the citizen participation process, the St. Joseph County Housing Consortium develops
the Annual Action Plan to best serve low- and moderate-income households and to attain the goals set
forth in the Five-Year Consolidated Plan.
The City of South Bend updated its Citizen Participation Plan to include provisions for public display and
public comment during a declaration of a State of Emergency by the Governor of Indiana. These
provisions shortened display periods for plans and substantial amendments to five (5) days, allowed for
virtual public hearings and meetings, and stipulated that plans be emailed to all residents that request
them.
A notice was published in the South Bend Tribune, on the website of El Puente, and a copy of the 2026
Action Plan was made available on the City of Mishawaka and City of South Bend's websites and public
libraries. The 2026 Action Plan incorporates recommendations for funding as well as public comments
received. Comments are accepted for thirty days after the plan is available and are considered when
developing the final plan. Two public hearings one in Mishawaka and South Bend are held during the
public comment period at different times of the day to accommodate a variety of schedules.
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2026
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Citizen Participation Outreach
Sort Or
der
Mode of Out
reach
Target of Out
reach
Summary of
response/atte
ndance
Summary of
comments re
ceived
Summary of co
mments not
accepted
and reasons
URL (If
applica
ble)
1 Newspaper
Ad
Minorities
Non-English
Speaking -
Specify other
language:
Spanish
Persons with
disabilities
Non-
targeted/bro
ad
community
Residents of
Public and
Assisted
Housing
Notice was
advertised on
the City of
South Bend
and
Mishawaka's
websites, with
the South Bend
Tribune, and
with El Puente
on August 25,
2025, for the
availability of
request for
proposals for
funding, the
drafting of the
2026 Annual
Action Plan,
and the
opening of the
30-day public
comment
period. The
public
comment
period closed
on September
24, 2025.
No comments
were received
from the
public.
Applications
for funding
were
submitted for
consideration
to the City of
South Bend.
No comments
were received
from the public.
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2026
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Sort Or
der
Mode of Out
reach
Target of Out
reach
Summary of
response/atte
ndance
Summary of
comments re
ceived
Summary of co
mments not
accepted
and reasons
URL (If
applica
ble)
2 Public
Hearing
Minorities
Persons with
disabilities
Non-
targeted/bro
ad
community
Residents of
Public and
Assisted
Housing
Public
Outreach
City of South
Bend and
Mishawaka
representative
s were present
at the public
hearings on
September 10,
2025, at 11:00
AM in
Mishawaka
and 5:30 PM in
South Bend,
for the
availability of
requests for
proposals for
funding, to
provide input
of the drafting
of the 2026
Annual Action
Plan, and to
allow public
comments.
No comments
or concerns
were received
during the
public hearing
or 30-day
public
comment
period.
No comments
were received
from the public.
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2026
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Sort Or
der
Mode of Out
reach
Target of Out
reach
Summary of
response/atte
ndance
Summary of
comments re
ceived
Summary of co
mments not
accepted
and reasons
URL (If
applica
ble)
3 Newspaper
Ad
Minorities
Non-English
Speaking -
Specify other
language:
Spanish
Persons with
disabilities
Non-
targeted/bro
ad
community
Residents of
Public and
Assisted
Housing
Notice was
advertised on
the City of
South Bend
and
Mishawaka's
websites, with
the South Bend
Tribune, and
with El Puente
on December
1, 2025, for the
availability of
the draft 2026
Annual Action
Plan and the
opening of the
30-day public
comment
period. The
public
comment
period ends on
December 31,
2025.
Any
comments
received will
be included in
the Final Plan.
Any comments
received will be
included in the
Final Plan.
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2026
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Sort Or
der
Mode of Out
reach
Target of Out
reach
Summary of
response/atte
ndance
Summary of
comments re
ceived
Summary of co
mments not
accepted
and reasons
URL (If
applica
ble)
4 Public
Hearing
Minorities
Persons with
disabilities
Non-
targeted/bro
ad
community
Residents of
Public and
Assisted
Housing
City of South
Bend and
Mishawaka
representative
s were present
at the public
hearings on
December 15,
2025, at 11:00
AM in
Mishawaka
and 5:30 PM in
South Bend,
for the
availability of
the draft 2026
Annual Action
Plan and to
allow public
comments. The
public
comment
period ends
December 31,
2025.
Any
comments
received will
be included in
the Final Plan.
Any comments
received will be
included in the
Final Plan.
Table 4 – Citizen Participation Outreach
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2026
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Expected Resources
Annual Action Plan
2026
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AP-15 Expected Resources - 91.420(b), 91.220(c)(1,2)
Introduction
The expected resources are for the January 1, 2026 through December 31, 2026 program year. The St. Joseph County Housing Consortium was
allocated $939,267.57 in HOME funds in PY 2025. The City of South Bend was allocated $2,366,486.00 in CDBG funds. The City of South Bend
was allocated $203,933.00 in ESG funds in PY 2025. The City aniticpates receiving a similar amount for 2026. These funds will be used to address
the following priority needs:
• Housing
• Public Services
• Public Facilities and Infrastructure
• Emergency Shelter Operations
• Rapid Rehousing
• Economic Development
• Administration, Planning, and Management
The accomplishments of these projects/activities will be reported in the FY 2026 CAPER.
Anticipated Resources
Program Source
of
Funds
Uses of Funds Expected Amount Available Year 1 Expected
Amount
Available
Remainder of ConPlan
$
Narrative Description
Annual Allocation: $ Program Income:
$
Prior Year Resources:
$
Total: $
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2026
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Program Source of
Funds
Uses of Funds Expected Amount Available Year 1 Expected Amount
Available
Remainder
of ConPlan
$
Narrative Description
Annual
Allocation: $ Program
Income: $
Prior Year
Resources: $
Total:
$
CDBG public
-
federal
Acquisition
Admin and
Planning
Economic
Development
Housing
Public
Improvements
Public Services
2,366,486.00 0.00 0.00 2,366,486.00 0.00
All activities receiving South Bend's
CDBG funding generally target specific
and complementary geographies and
activities. In 2026, South Bend will
continue targeting the Near Northwest,
Near West Side, and City of South Bend
City limits through partnerships with
local non-profits. These areas show
relatively low incomes and high
concentrations of poverty, high rates of
residential vacancy and abandonment,
and a high incidence of sub-prime
loans. The target areas were also
selected for review in the City 2017
Analysis of Residential Market
Potential. These are neighborhoods
that are seeing increased
redevelopment activity and have
greater market potential.
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2026
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Program Source of
Funds
Uses of Funds Expected Amount Available Year 1 Expected Amount
Available
Remainder
of ConPlan
$
Narrative Description
Annual
Allocation: $ Program
Income: $
Prior Year
Resources: $
Total:
$
HOME public
-
federal
Acquisition
Homebuyer
assistance
Homeowner
rehab
Multifamily
rental new
construction
Multifamily
rental rehab
New
construction
for ownership
TBRA 939,267.57 0.00 0.00 939,267.57 0.00
2026 HOME funding will support
housing programs such as
acquisition/rehabilitation/resale, new
home construction, homeownership
assistance, and tenant-based rental
assistance throughout St. Joseph
County. The HOME program will exceed
the 25% match requirements through
private funding, project sponsors and
banked match.
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2026
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Program Source of
Funds
Uses of Funds Expected Amount Available Year 1 Expected Amount
Available
Remainder
of ConPlan
$
Narrative Description
Annual
Allocation: $ Program
Income: $
Prior Year
Resources: $
Total:
$
ESG public
-
federal
Conversion
and rehab for
transitional
housing
Financial
Assistance
Overnight
shelter
Rapid re-
housing (rental
assistance)
Rental
Assistance
Services
Transitional
housing 203,933.00 0.00 0.00 203,933.00 0.00
Based on agreement with the Region 2a
Homeless Council, 2026 ESG funding
will be allocated as follows: up to 7.5%
for program administration; no less
than 32.5% for rapid re-housing; and,
no more than 60% of funds will be
spent on operations and essential
services and for emergency shelters.
Table 2 - Expected Resources – Priority Table
Explain how federal funds will leverage those additional resources (private, state and local funds), including a description of how
matching requirements will be satisfied
In addition to the entitlement funds, the St. Joseph County Housing Consortium and the City of South Bend anticipate the following Federal
resources may be available to local non-profit organizations to undertake the housing strategies identified in the Five-Year Consolidated Plan.
• HOME Investment Partnerships American Rescue Plan Program (HOME-ARP)
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2026
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• Coronavirus Aid, Relief, and Economic Security (CARES) Act
• Supportive Housing Program
• Low-Income Housing Tax Credit Program (LIHTC)
• Section 8 Rental Assistance Program
• Public Housing Capital Fund Program
Agencies or organizations receiving ESG funds are required to provide a 1:1 match when applying for funding. The match requirement is added
to each executed contract and the actual amounts received are reported with the City’s CAPER. 2026 ESG match sources are expected to come
from dontations, salaries, funds or other grants, and volunteers.
Private and non-Federal resources that may be available to the St. Joseph County Housing Consortium and the City of South Bend in FY 2026 to
address needs identified in the FY 2025-2029 Five-Year Consolidated Plan are listed below.
• Private Banks & Credit Unions – The City partnership with local banks and credit unions to operate the Community Homebuyers
Corporation. This program leverages private equity to assist low- and moderate-income individuals to purchase houses in which they
may not be able to obtain a traditional mortgage.
• Indiana Housing & Community Development Authority – The IHDCA runs programs that assist individuals with first time
homeownership and other housing purchases by providing funding for Veterans, rent-to-own, mortgage credits, and homebuyer
subsidies.
• Department of Health & Human Services – Through the Family & Youth Service Bureau, the City of South Bend has leveraged funds
through the Runaway and Homeless Youth Program to support street outreach, emergency shelters, longer-term transitional living, and
maternity group home programs to serve and protect young people.
• Federal Home Loan Bank Affordable Housing Program (AHP) – Congress has mandated that ten (10%) of the Federal Home Loan Bank's
(FHLB) profits be allocated to provide affordable housing. The FHLB encourages its members to work with public agencies and non-profit
housing development organizations in creating highly leveraged affordable housing initiatives. Both sales and rental housing are eligible.
Two (2) member banks of the Community Homebuyers Corporation are also member banks of the Federal Home Loan Bank.
The City of South Bend will require ESG projects to meet match requirements as part of their application and reporting process. ESG programs
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report matching funds from sources such as cash and non-cash donations, staff salaries, and other state grants related to the services they
provide.
The Consortium will require HOME projects to meet match requirements as part of their application and reporting process. HOME construction
projects have reported match sources that include construction loans from local banks and state grants and funding from the Federal Home
Loan Bank. HOME TBRA programs report matching funds from support salaries.
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If appropriate, describe publically owned land or property located within the jurisdiction that
may be used to address the needs identified in the plan
Vacant City-owned lots targeted for infill housing in CDBG target areas, as well as low-moderate income
neighborhoods throughout the City may be used to address identified needs.
Discussion
The allocations listed in the following sections are estimates based on the funds received for PY2025.
Once actual allocations are announced, the following changes may occur to either increase or decrease
the estimates to match the actual awarded amounts for PY 2026. Anticipated adjustments are outlined
below.
Community Development Block Grant (CDBG)
The City of South Bend Received $2,366,486.00 in CDBG funds for PY 2025. If the PY 2026 allocation
increases or decreases, adjustments will be made in the following order:
1. DCI CDBG Administration Project
Adjust to meet but not exceed the 20% administration cap.
2. SBPD Neighborhood Reclamation Project
Increase or decrease as needed to ensure the 15% public services cap is not exceeded.
3. DCI Activity Delivery Project
Increase or decrease as needed, provided the amount does not fall below $100,000.
4. Remaining 2026 Homeownership projects
If additional djestments are necessary, apply proportional increases or decreases across all remaining
CDBG Homeownership projects.
Emergency Solutions Grant (ESG)
The City of SOuth Bend Received $203,698.00 in ESG funds for PY 2025. If the PY 2026 allocations differ,
adjustments will be made in the following order:
1. DCI Adminsitration Project
Adjust to meet, but not exceed the 7.5% adminstration cap.
2. Shelter Projects
Adjust to meet, but not exceed the 60% shelter cap.
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3. Rapid Rehousing Projects
If additional adjustments are required, each 2026 Rapid Rehousing Project will be proportionally
adjusted.
HOME Investment Partnerships Project (HOME)
The St. Joseph County Housing Consortium received $939,267.57 in HOME funds for PY 2025. If the PY
2026 allocation increases or decreases, adjustments will follow this order:
1. HOME Administration Project
Adjust to remain within the 10% adminsitration cap.
2. Decreases in Funding
After adjusting Adminsitration project, any remaining decrease will be applied proportionally across all
other 2026 HOME projects.
3. Increases in Funding
After adjusting the Consortium Administration, any remaining increase will be directed to the Tenant-
Based Rental Assistance (TBRA) project.
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Annual Goals and Objectives
AP-20 Annual Goals and Objectives - 91.420, 91.220(c)(3)&(e)
Goals Summary Information
Sort Order Goal Name Start Year End Year Category Geographic Area Needs Addressed Funding Goal Outcome Indicator
1 AP-1 General
Administration
2025 2029 Administration Low- and
Moderate-
Income Areas
Administration &
Planning
CDBG:
$458,297.00
HOME:
$93,926.00
ESG:
$15,277.00
Other: 1 Other
2 AP-3 Affirmatively
Further Fair Housing
2025 2029 Administration City of
Mishawaka
St. Joseph County
- Not South Bend
or Mishawaka
City of South
Bend
Administration &
Planning
CDBG:
$15,000.00
Other: 1 Other
3 HS-1 Housing
Development
2025 2029 Affordable
Housing
Low- and
Moderate-
Income Areas
Housing Priority CDBG:
$328,750.00
HOME:
$580,000.00
Rental units constructed: 2
Household Housing Unit
Homeowner Housing
Added: 3 Household
Housing Unit
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Sort Order Goal Name Start Year End Year Category Geographic Area Needs Addressed Funding Goal Outcome Indicator
4 HS-2
Homeownership
2025 2029 Affordable
Housing
Low- and
Moderate-
Income Areas
Housing Priority CDBG:
$434,369.00
HOME:
$90,000.00
Direct Financial Assistance
to Homebuyers: 7
Households Assisted
Other: 15 Other
5 HS-3 Housing
Rehabilitation
2025 2029 Affordable
Housing
Low- and
Moderate-
Income Areas
Housing Priority CDBG:
$225,000.00
Homeowner Housing
Rehabilitated: 18 Household
Housing Unit
6 SN-1 Housing 2025 2029 Non-Homeless
Special Needs
Low- and
Moderate-
Income Areas
Other Special
Needs Priority
HOME:
$175,340.00
Tenant-based rental
assistance / Rapid
Rehousing: 24 Households
Assisted
7 SN-3 Public Services 2025 2029 Non-Homeless
Special Needs
Low- and
Moderate-
Income Areas
Other Special
Needs Priority
CDBG:
$164,070.00
Public service activities for
Low/Moderate Income
Housing Benefit: 80
Households Assisted
8 CD-5 Public Safety 2025 2029 Non-Housing
Community
Development
City of South
Bend
Low- and
Moderate-
Income Areas
Community
Development
Priority
CDBG:
$150,000.00
Public service activities for
Low/Moderate Income
Housing Benefit: 40000
Households Assisted
9 HO-2 Support and
Management
Services
2025 2029 Homeless Low- and
Moderate-
Income Areas
Homeless Priority ESG:
$66,421.00
Tenant-based rental
assistance / Rapid
Rehousing: 10 Households
Assisted
10 HO-5 Shelter
Housing
2025 2029 Homeless Low- and
Moderate-
Income Areas
Homeless Priority ESG:
$122,000.00
Homeless Person Overnight
Shelter: 100 Persons
Assisted
Table 3 – Goals Summary
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Goal Descriptions
1 Goal Name AP-1 General Administration
Goal Description
2 Goal Name AP-3 Affirmatively Further Fair Housing
Goal Description
3 Goal Name HS-1 Housing Development
Goal Description
4 Goal Name HS-2 Homeownership
Goal Description
5 Goal Name HS-3 Housing Rehabilitation
Goal Description
6 Goal Name SN-1 Housing
Goal Description
7 Goal Name SN-3 Public Services
Goal Description
8 Goal Name CD-5 Public Safety
Goal Description
9 Goal Name HO-2 Support and Management Services
Goal Description
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10 Goal Name HO-5 Shelter Housing
Goal Description
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AP-35 Projects - 91.420, 91.220(d)
Introduction
Listed below are the FY 2025 CDBG, HOME, and ESG Activities for the City of South Bend:
# Project Name
1 CDBG General Adminstration
2 Affirmative Fair Housing Activities
3 Forgivable Second Mortgage
4 Activity Delivery - Housing Services
5 CBDO - New Construction - Rental
6 Owner-Occupied Rehabilitation
7 Public Services
8 Public Safety
9 HOME General Administration
10 HOME Tenant-Based Rental Assistance
11 CHDO - New Construction - Homeownership
12 Mortgage Subsidies
13 ESG26 South Bend
14 Section 108 Loan Repayment (2026)
Table 4 – Project Information
Describe the reasons for allocation priorities and any obstacles to addressing underserved needs
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AP-38 Project Summary
Project Summary Information
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1 Project Name CDBG General Adminstration
Target Area Low- and Moderate-Income Areas
Goals Supported AP-1 General Administration
Needs Addressed Administration & Planning
Funding CDBG: $458,297.00
Description Overall program administration of the CDBG Programs, including: staff
salaries, wages, and benefits; related costs to administer the programs
including supplies, materials, mailings, duplications, etc.; monitoring and
oversight; advertising and public hearing costs; planning activities and
the preparation of the Annual Action Plan, Consolidated Annual
Performance and Evaluation Report, Environmental Review Records,
etc.
Target Date 12/31/2026
Estimate the number
and type of families
that will benefit from
the proposed activities
1 Other.
Location Description 215 S. Dr. Martin Luther King, Jr. Blvd., South Bend, IN 46601
Planned Activities Overall program administration of the CDBG Programs; monitoring and
oversight; planning activities and the preparation of the Annual Action
Plan, Consolidated Annual Performance and Evaluation Report, etc.
2 Project Name Affirmative Fair Housing Activities
Target Area City of Mishawaka
St. Joseph County - Not South Bend or Mishawaka
City of South Bend
Low- and Moderate-Income Areas
Goals Supported AP-3 Affirmatively Further Fair Housing
Needs Addressed Administration & Planning
Funding CDBG: $15,000.00
Description Activities to affirmatively further fair housing.
Target Date 12/31/2026
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Estimate the number
and type of families
that will benefit from
the proposed activities
1 Other.
Location Description St. Joseph County.
Planned Activities Fair housing investigation; trainings and workshops for landlord,
tenants, homeowners
3 Project Name Forgivable Second Mortgage
Target Area Low- and Moderate-Income Areas
Goals Supported HS-2 Homeownership
Needs Addressed Housing Priority
Funding CDBG: $150,000.00
Description Provides mortgage reduction and closing cost assistance for first-time
low- and moderate-income homebuyers.
Target Date
Estimate the number
and type of families
that will benefit from
the proposed activities
Approximately five (5) low-moderate income first-time homebuyers
Location Description Locations throughout the City of South Bend; specific addresses TBD.
Planned Activities Mortgage reduction and closing cost assistance
4 Project Name Activity Delivery - Housing Services
Target Area Low- and Moderate-Income Areas
Goals Supported HS-2 Homeownership
Needs Addressed Housing Priority
Funding CDBG: $284,369.00
Description Subsidize staff costs directly related to CDBG housing activities
Target Date 12/31/2026
Estimate the number
and type of families
that will benefit from
the proposed activities
Approximately 100 LMI households.
Location Description Throughout the City of South Bend; specific addresses TBD
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Planned Activities Program coordination; application intake; housing inspection; housing
counseling
Marketing, application processing, income qualifying, property closings
5 Project Name CBDO - New Construction - Rental
Target Area Low- and Moderate-Income Areas
Goals Supported HS-1 Housing Development
Needs Addressed Housing Priority
Funding CDBG: $328,750.00
Description Subsidize development cost for new construction rentals to be rented to
a low-mod homebuyer upon completion.
Target Date 12/31/2027
Estimate the number
and type of families
that will benefit from
the proposed activities
2 LMI households
Location Description Throughout the City of South Bend; specific addresses TBD
Planned Activities Construction activities; construction oversight
6 Project Name Owner-Occupied Rehabilitation
Target Area
Goals Supported HS-3 Housing Rehabilitation
Needs Addressed Housing Priority
Funding CDBG: $225,000.00
Description Provide major home repairs for low-moderate income homeowners
Target Date 12/31/2027
Estimate the number
and type of families
that will benefit from
the proposed activities
18 LMI households
Location Description Throughout the City of South bend; specific addresses
Planned Activities Throughout the City of South Bend; specific addresses TBD
7 Project Name Public Services
Target Area Low- and Moderate-Income Areas
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Goals Supported SN-3 Public Services
Needs Addressed Homeless Priority
Funding CDBG: $164,070.00
Description Subsidize staff costs for public service projects related to homelessness.
Target Date 12/31/2027
Estimate the number
and type of families
that will benefit from
the proposed activities
80 LMI households
Location Description Throughout the City of South Bend
Planned Activities Supportive services
8 Project Name Public Safety
Target Area Low- and Moderate-Income Areas
Goals Supported CD-5 Public Safety
Needs Addressed Community Development Priority
Funding CDBG: $150,000.00
Description Subsidize staff cost associated with public safety foot and bike patrols in
low-mod neighborhoods
Target Date 12/31/2026
Estimate the number
and type of families
that will benefit from
the proposed activities
40,000 LMI households and businesses
Location Description Throughout the City of South Bend - low-moderate income
neighborhoods
Planned Activities Community policing patrols
9 Project Name HOME General Administration
Target Area Low- and Moderate-Income Areas
Goals Supported AP-1 General Administration
Needs Addressed Administration & Planning
Funding HOME: $93,926.00
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Description DCI staff will administer the St. Joseph County Housing Consortium's
HOME grant
Target Date 12/31/2026
Estimate the number
and type of families
that will benefit from
the proposed activities
1 Other.
Location Description 215 S. Dr. Martin Luther King, Jr. Blvd., South Bend, IN 46601
Planned Activities Grant administration; planning; environmental reviews; reporting;
contracting
10 Project Name HOME Tenant-Based Rental Assistance
Target Area Low- and Moderate-Income Areas
Goals Supported SN-1 Housing
Needs Addressed Other Special Needs Priority
Funding HOME: $175,340.00
Description Subsidize rents for severely mentally ill clients.
Target Date 12/31/2026
Estimate the number
and type of families
that will benefit from
the proposed activities
24 LMI households.
Location Description Throughout St. Joseph County.
Planned Activities Subsidize rents and utilities for LMI households.
11 Project Name CHDO - New Construction - Homeownership
Target Area Low- and Moderate-Income Areas
Goals Supported HS-1 Housing Development
Needs Addressed Housing Priority
Funding HOME: $580,000.00
Description Subsidize development costs for new construction single-family units to
be sold to LMI homebuyers upon completion.
Target Date 12/31/2027
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Estimate the number
and type of families
that will benefit from
the proposed activities
3 LMI households.
Location Description Throughout the City of South Bend; specific addresses TBD
Planned Activities Construction activities; construction oversight
12 Project Name Mortgage Subsidies
Target Area Low- and Moderate-Income Areas
Goals Supported HS-2 Homeownership
Needs Addressed Housing Priority
Funding HOME: $90,000.00
Description Provide downpayment assistance to LMI households.
Target Date 12/31/2027
Estimate the number
and type of families
that will benefit from
the proposed activities
2 LMI households.
Location Description Throughout the City of South Bend; specific addresses TBD
Planned Activities Subsidize the cost of purchasing a home
13 Project Name ESG26 South Bend
Target Area Low- and Moderate-Income Areas
Goals Supported HO-2 Support and Management Services
HO-5 Shelter Housing
AP-1 General Administration
Needs Addressed Homeless Priority
Administration & Planning
Funding ESG: $203,698.00
Description Subsidize the costs of operating emergency homeless shelters; provide
case management and rent/utility assistance for individuals and families
transitioning out of homelessness; subsidize the cost of DCI's
administration of the ESG program.
Target Date 12/31/2027
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Estimate the number
and type of families
that will benefit from
the proposed activities
110 LMI households
Location Description Throughout the City of South Bend; specific addresses TBD
Planned Activities Shelter operations ($122,000 allocated). Amount allocated represents
60% of the total ESG allocation.
Rapid-Rehousing ($66,421 allocated). Amount allocated represents
36.5% of the total ESG allocation.
Administration ($15,277 allocated). Amount allocated represents 7.5%
of the total ESG allocation.
14 Project Name Section 108 Loan Repayment (2026)
Target Area Low- and Moderate-Income Areas
Goals Supported HS-1 Housing Development
Needs Addressed Community Development Priority
Funding CDBG: $591,000.00
Description Repayment #1 of Section 108 Loan.
Target Date 12/31/2026
Estimate the number
and type of families
that will benefit from
the proposed activities
N/A
Location Description City of South Bend
Planned Activities Repayment of Section 108 Loan and interest
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AP-50 Geographic Distribution - 91.420, 91.220(f)
Description of the geographic areas of the entitlement (including areas of low-income and
minority concentration) where assistance will be directed
The 2018-2022 American Community Survey 5 Year Estimates were used to analyze the social,
economic, housing, and general demographic characteristics of the City of South Bend.
POPULATION:
The City of South Bend’s overall population as reported in the 2018-2022 American Community Survey
Five-Year Estimates was 103,084. According to the 2010 Census, the population of the City was 102,073.
There has been a small population increase over the previous decade.
AGE:
The following is the age composition of the City of South Bend from the 2018-2022 American
Community Survey Five-Year Estimates:
• The median age in the City is 33.4.
• Approximately 26.9% of the population is under the age of 18.
• Seniors over the age of 65 make up 13.7% of the total population.
RACE/ETHNICITY:
Racial/ethnic composition of the City of South Bend from 2018-2022 American Community Survey Five-
Year Estimates:
• 55.9% are White
• 25.4% are Black or African American
• 0.5% are American Indian or Alaska Native
• 2.0% are Asian
• 0.1% are Native Hawaiian and Other Pacific Islander
• 16.2% are Two or More or Some Other Race.
INCOME PROFILE:
According to the 2018-2022 American Community Survey, the median household income in the City of
South Bend was $49,056.
• 29.9% of households received earnings from social security.
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• 18.7% received retirement income.
• 4.0% of households received public assistance income.
ECONOMIC PROFILE:
The following illustrates the economic profile for the City of South Bend, according to the 2018-2022
American Community Survey:
• 28.2% of workers are employed in educational services, healthcare, and social assistance.
• 16.6% of workers were employed in manufacturing.
• 10.6% of workers were employed in retail trade.
• 4.0% of workers were considered self-employed.
• 86.2% of workers are private wage and salary workers.
Geographic Distribution
Target Area Percentage of Funds
City of Mishawaka
St. Joseph County - Not South Bend or Mishawaka
City of South Bend
Low- and Moderate-Income Areas 100
Table 5 - Geographic Distribution
Rationale for the priorities for allocating investments geographically
The City of South Bend will allocate its CDBG funds to those geographic areas whose residents are above
the 51% low- and moderate-income rate. At least 70% of all the City’s CDBG funds that are budgeted for
activities will principally benefit low- and moderate-income persons. The following guidelines for
allocating CDBG and HOME funds were used by the City for the FY 2025 Program Year:
• The public services activities are for social service organizations whose clientele are considered
lower income or in certain cases, a limited clientele with a presumed low- and moderate-income
status.
• The public facilities activities are either located in a low- and moderate-income census
tract/block group, have a low- and moderate-income service area benefit, or have clientele over
51% low- and moderate-income.
• The infrastructure improvement activities are either located in a low- and moderate-income
census tract/block group or have a low- and moderate-income service area benefit or clientele,
which is over 51% low- and moderate-income.
• The housing activities have income eligibility criteria; therefore, the income requirement limits
funds to low- and moderate-income households throughout the City.
• Economic development projects will either be located in a low- and moderate-income census
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tract/block group, or a poverty tract greater than 20%, or part of a redevelopment area, or 51%
of the jobs will be made available to low- and moderate-income households.
The proposed Activities/Projects under the FY 2025 CDBG and HOME Program Year are located in areas
with the highest percentages of low- to moderate-income persons and those block groups with a
percentage of minority persons above the average for the City of South Bend.
The HOME funds will be used for administration and for housing projects. These funds will be targeted
to low-income persons and projects designed to provide affordable housing to low-income persons and
are usually located in low- and moderate-income areas.
The ESG funds will be used for street outreach, emergency shelters, homeless prevention, rapid re-
housing, and HMIS. Funding will also be used for the renovations, operating expenses, and essential
services such as child care, drug and alcohol abuse education, job training, and counseling for homeless
individuals and organizations that serve the homeless. The disbursement is based on need of each
shelter or agency, not by geographic area.
Discussion
The City is allocating its CDBG funds to areas or projects/activities which predominantly benefit low- and
moderate-income persons to rehabilitate or construct new housing for low- and moderate-income
households; to create low- and moderate-income jobs; and to projects/activities that benefit the low-
and moderate-income population.
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Affordable Housing
AP-55 Affordable Housing - 91.420, 91.220(g)
Introduction
One Year Goals for the Number of Households to be Supported
Homeless
Non-Homeless
Special-Needs
Total
Table 6 - One Year Goals for Affordable Housing by Support Requirement
One Year Goals for the Number of Households Supported Through
Rental Assistance
The Production of New Units
Rehab of Existing Units
Acquisition of Existing Units
Total
Table 7 - One Year Goals for Affordable Housing by Support Type
Discussion
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AP-60 Public Housing - 91.420, 91.220(h)
Introduction
According to their Five-Year and Annual Plan for 2024-2029, the Housing Authority of South Bend’s
progress in meeting their mission and goals states that HASB will attain and maintain high performer
status in both of its housing programs. The HASB has struggled to form Resident Councils and Resident
Advisory Boards. The Housing Authority of South Bend has strategized recruiting more Section 8 Housing
Choice landlords. Demand among public housing residents for Section 8 Housing Choice Vouchers has
increased.
The Housing Authority of South Bend has the following units:
• Laurel Court – 42 units
• South Bend Ave – 20 units
• LaSalle Landing – 24 units
• Westcott/Quads – 179 units
• Harber Homes – 54 units
• Edison and Twyckenham – 39 units
• Scattered Sites – 238 units
• Total – 596 units
There are sixty-two (62) units that are considered accessible in the Housing Authority of South Bend’s
public housing inventory.
The Housing Authority of South Bend administers 2,467 Section 8 Housing Choice Vouchers as of April
2025 with 2,189 currently utilized. Demand for a quality Section 8 Housing rental exceeds the supply of
decent, affordable rental units. There are 1,275 families/individuals on the Housing Choice Voucher
waiting list as of November 2023. The waiting list is currently closed. There are 324 families and
individuals on the public housing waiting list. There are 625 families and individuals on the Housing
Choice Voucher waiting list. Both waiting lists are currently closed.
Actions planned during the next year to address the needs to public housing
The Housing Authority of South Bend (HASB), partnering with the City of South Bend, is currently
working with a consultant on a repositioning plan for HASB to modernize the vacant scattered site units
in its portfolio. Scoping the repairs is currently underway which will lead to a plan to address the
needed repairs. An asset repositioning plan is also in the beginning stages with a consulting firm
inspecting the units and making recommendations for a plan to move forward. Once repairs are
completed, new income eligible households will be able to move into the HASB units with affordable
rents.
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The HASB is also working with the City on a transformation plan for the redevelopment of two former
public housing sites which are currently vacant. The plan is to combine these sites into a mixed income
community. The City and Community Foundation have applied for $20 million in grant funds for the
project. HASB has published an RFQ for a developer partner. The City has also committed funding to
the project.
It is expected that once the vacant units are occupied, HASB will be able to shed its troubled status.
HASB is continuing its active outreach to landlords and property managers within the South Bend area
to increase the number of eligible options for HASB Housing Choice Voucher holders. The HASB staff is
educating landlords and encouraging participation in the HCV program to expand the availability of
rental housing to HASB voucher holders.
HASB will host NSPIRE training for maintenance in 2024 to align with HUD's goal to replace the HQS
inspection process with one that prioritizes health and safety of its residents and focuses more heavily
on the living spaces of the residents.
Actions to encourage public housing residents to become more involved in management and
participate in homeownership
The Housing Authority of South Bend currently has no resident councils. The Housing Authority has
attempted to create them for five (5) years, but the councils cannot sustain themselves once the
participation of Housing Authority officials ends.
HASB has an active Family Self-Sufficiency (FSS) program which promotes the development of local
strategies to coordinate public and private resources that help residents obtain employment that will
enable participating families to achieve economic independence. Guest speakers share their
experience, and participation is high with more than 60 participants actively involved in the program,
which also has a community service component and cultivates involvement in this regard.
If the PHA is designated as troubled, describe the manner in which financial assistance will be
provided or other assistance
The Housing Authority of South Bend was previously designated as troubled. It is improving steadily with
a new director and Board Members. The Mayor and City Council of South Bend have been very
supportive of the efforts to improve the Housing Authority’s properties and management. The City is
working closely with the Housing Authority of South Bend in a variety of different ways.
1. The City is providing $1 million to the Housing Authority of South Bend (HASB) to make repairs to
its vacant scattered-site units. This will help to house more families, reduce vacancy loss, and bring the
HASB out of troubled status. The MOU for the funds has been executed and a scope of the project and
needed repairs is currently being developed.
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2. The City contracted with an outside consulting firm to provide an asset repositioning plan for
HASB. The consultant has completed site visits of all vacant units and has completed the analysis and
made initial recommendations.
3. The City is partnering with HASB on a transformation plan for the redevelopment of two former
public housing sites which are currently vacant. The plan is to combine these sites into a mixed income
community. The City and Community Foundation have applied for $20 million in grant funds for the
project. HASB has published a RFQ for a developer partner. The City has also committed funding to the
project.
It is expected that once the vacant units are occupied, HASB will be able to shed its troubled status.
Discussion
The Housing Authority of South Bend is the largest provider of affordable housing in the City. It provides
affordable housing for the very low-income, the disabled, and veterans. It is a valuable resource and is
needed to meet the housing demand of the very low-income.
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AP-65 Homeless and Other Special Needs Activities - 91.420, 91.220(i)
Introduction
The Five-Year Consolidated Plan is to serve as a consolidated planning document, an application, and a
strategic plan for the City South Bend, IN. The following goals and objective for the City of South Bend’s
Homeless Strategy have been identified for the Five-Year period of FY 2025 through FY 2029.
• HO-1 Housing Opportunities – Increase the housing opportunities and living conditions of
persons and families who are homeless or who are at risk of homelessness.
• HO-2 Support and Management Services – Promote and assist supportive and management
services for public and non-profit agencies and organizations which assist persons who are
homeless or who are at risk of homelessness.
• HO-3 Homeless Prevention – Promote and assist in eviction reduction efforts and educate and
discourage unfair housing practices which may contribute to homelessness.
• HO-4 Permanent Supportive Housing – Promote and assist in the development of new
permanent supportive housing opportunities for persons and families who are experiencing
homelessness and who are exiting out of shelters and transitional housing programs.
• HO-5 Shelter Housing – Support and assist in the development and/or continuation of shelters,
supportive training and educational programs for sheltered residents.
Describe the jurisdictions one-year goals and actions for reducing and ending homelessness
including
Reaching out to homeless persons (especially unsheltered persons) and assessing their
individual needs
The Point-In-Time Count for St. Joseph County reported a total 547 homeless individuals. This included
369 individuals in emergency shelters, 134 in transitional housing, and 44 unsheltered individuals. There
were 100 children under the age of 18 living in emergency shelters and transitional housing. There were
no children unsheltered.
Households with Children. The Point-In-Time Count for 2024 reported 46 households with at least one
child in St. Joseph County. There were no households with children that were unsheltered. 26
households were in emergency shelters and 20 were in transitional housing. There was a total of 145
individuals including 97 children.
Veterans and Families. The Point-In-Time Count did not report any homeless veteran families with
children. There were 33 homeless veterans who were unaccompanied living in emergency shelters (13),
transitional housing (18) and unsheltered (2).
Unaccompanied Youth. There was a total of 24 unaccompanied youths in the County. Only two (2)
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individuals were unsheltered. The remaining were in emergency shelters (10) or transitional housing
(12).
Addressing the emergency shelter and transitional housing needs of homeless persons
The majority of the homeless population in St. Joseph County resides in emergency shelters and
transitional housing. According to the 2024 Point-In-Time count, a total of 369 individuals resided
emergency shelters and 134 resided in transitional housing. A total of 44 individuals were unsheltered.
Compared to the Point-In-Time count in 2023, the homeless population has remained constant. In 2023,
there were 551 homeless individuals in the County: 385 in emergency shelters, 114 in transitional
housing, and 52 unsheltered.
The Center for the Homeless assists in coordinating homeless individuals and families, including
Veterans, to services for adult self-sufficiency, children’s support, developmental services, and mental
health care. The Center for the Homeless has a Veteran’s Annex to assist this population. Life Treatment
Centers assists in accommodating homeless Veterans, offering 24 beds.
Health Plus Indiana has programs for education, which includes awareness and prevention of HIV/AIDS,
testing, and the distribution of the PrEP pill to reduce the risk of HIV/AIDS in at-risk individuals. All
programs are available to homeless individuals, and Health Plus Indiana receives funding for housing for
homeless individuals or individuals at-risk of homelessness.
Youth Service Bureau provides a variety of housing and outreach programs for area youth that are
homeless or at-risk of homeless. These programs include street outreach, a drop-in center for intake, a
young mothers’ program, and youth development services.
Oaklawn Psychiatric Center provides services for adults and children with mental health needs. Oaklawn
conducts outreach for this populated.
All listed agencies participated in the development of Coordinated Entry for St. Joseph County.
The City, along with the Center for the Homeless, have conducted a weather amnesty program based on
specific timeframe of November 1 to April 1 for the last three years. Weather Amnesty provides a warm
sleeping site from 8PM to 8AM. Outside of these hours, other than the few day centers available, the
homeless are back on the street.
Helping homeless persons (especially chronically homeless individuals and families, families
with children, veterans and their families, and unaccompanied youth) make the transition to
permanent housing and independent living, including shortening the period of time that
individuals and families experience homelessness, facilitating access for homeless individuals
and families to affordable housing units, and preventing individuals and families who were
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recently homeless from becoming homeless again
The Indiana Balance of State CoC’s written standards focus on a Housing First Model and follow the best
practices of that model. The written standards utilize several strategies to increase the number of
people that exit Emergency Shelter, Transitional Housing, and Rapid Re-housing to Permanent Housing
destinations. Evaluations of these standards will be based on the length-of-time homeless of an
individual or family in Emergency Shelter, Transitional Housing, or Rapid Re-Housing. The CoC will seek
to make progress on the turnover rate of individuals and families, the targeting of individuals and
families based on risk, and the number of positive exits into Permanent Housing.
St. Joseph County severely lacks Permanent Supportive Housing. Though there are a number of
emergency shelters and transitional homes, these shelters are full because residents cannot be moved
to Permanent Supportive Housing due to a limited supply of permanent housing. Permanent Supportive
Housing can be placed throughout the region, provided that supportive services are close by or readily
accessible through public transit. Permanent Supportive Housing has faced resistance from the public
when it has been proposed for construction in the past. In addition, the City expects 13 Permanent
Supportive Housing units to be completed in 2025 with future projects anticipated.
The City of South Bend has 104 VASH Vouchers which are administered through the Housing Authority
of South Bend and the VA Hospital Annex in Mishawaka. Life Treatment Centers has been successful in
transitioning Veterans from its shelters through the VASH program at a 75-76% success rate.
Helping low-income individuals and families avoid becoming homeless, especially extremely
low-income individuals and families and those who are: being discharged from publicly
funded institutions and systems of care (such as health care facilities, mental health facilities,
foster care and other youth facilities, and corrections programs and institutions); or, receiving
assistance from public or private agencies that address housing, health, social services,
employment, education, or youth needs.
The Indiana Balance of State CoC has prioritized Rapid Rehousing in response to the changes in Federal
funding. However, given the large number of evictions and foreclosures in the City of South Bend, the
CoC would like to expand by creating homelessness prevention programs. Individuals and families that
are evicted or foreclosed, face barriers to returning to a secure rental or homeownership state. For this
reason, preventing an eviction or foreclosure is more desirable than addressing the need after the
person becomes homeless.
Discharge policies at local hospitals are designed to prevent those leaving the hospitals from being
referred to the Center for the Homeless. The Center for the Homeless provides emergency shelter and
transitional housing for the homeless, along with supportive services. The Regional Planning Council
understands that the City and federal funding requires their participation in Coordinated Entry and HMIS
but also encourages those providers who do not receive federal dollars to do the same.
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Dismas House serves ex-offenders and provides them with housing in St. Joseph County. Dismas House
provides food and mentorship for ex-offenders. Dismas House supports its residents in finding
permanent housing, but struggles to place residents in decent housing. Most landlords will not rent to
ex-offenders and the ex-offenders will only be able to find permanent housing with a slum lord that
does not care about their tenants. Space is limited and sex offenders are not allowed to stay in Dismas
House.
The Youth Service Bureau assists children in the region with transitional housing, emergency shelter, and
other related supportive services. The Youth Service Bureau has tracked students that lack stability and
who move between multiple schools, which contributes to the academic gaps in the City, leading to
future unemployment and homelessness. Children without support systems frequently “couch-surf” and
are difficult to reach with services.
Discussion
There are numerous services and agencies which address the needs of emergency shelter and
transitional housing. The problem that needs to be addressed is the large need for permanent
supportive housing. This need is greater than the resources provided to the City through the federal and
State financial programs.
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AP-75 Barriers to affordable housing -91.420, 91.220(j)
Introduction
The City of South Bend, the City of Mishawaka, and St. Joseph County have identified the following
impediments for the 2025 Analysis of Impediments to Fair Housing Choice:
Impediment 1: Lack of Affordable Housing for Sale. According to the 2018-2022 ACS data, the median
value and cost to purchase a single-family home in St. Joseph County that is decent, safe, and sound has
increased significantly to over $165,700. For the City of South Bend it is over $128,200, and for the City
of Mishawaka it is $113,800. This limits the choice of housing for lower-income households throughout
the County and in both Cities.
Impediment 2: Affordable Rental Housing. The current supply of rental housing is not necessarily
affordable to lower-income households. The monthly housing cost for apartments has steadily increased
to the point that 46.0% of all rental households in St. Joseph County, 49.0% of all rental households in
South Bend, and 44.5% of all rental households in Mishawaka are considered cost burdened by 30% or
more.
Impediment 3: Continuing Need for Accessible Housing Units. As an older built-up environment, there
is a lack of accessible housing units in St. Joseph County and the Cities of South Bend and Mishawaka.
Since 41.5% of the County’s housing units, 60.6% of South Bend’s housing units, and 31.3% of
Mishawaka’s housing units were built prior to 1960, these units were not constructed with accessibility
features. It is estimated that 13.4% of the County’s overall population, 14.4% of South Bend’s
population, and 16.4% of Mishawaka’s population is classified as disabled.
Impediment 4: Fair Housing Education and Outreach. There is a continuing need to educate persons
about their rights under the Fair Housing Act and to raise community awareness to affirmatively further
fair housing.
Impediment 5: Private Lending Practices. The HMDA data for St. Joseph County indicates that there
may be a disparity between the approval rates of home mortgage loans originated from minorities and
those originated from non-minority applicants.
Impediment 6: Impacted Areas of Concentration. There are specific areas throughout the two Cities
and the County where the concentration of low-income persons exceeds 70% of the area’s population,
and areas with concentrations of minority persons.
Impediment 7: Economic Issues Affecting Housing Choice. There is a lack of economic opportunities in
the County and both Cities which prevents low-income households from improving their income and
providing an opportunity to live outside areas of low-income concentration.
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Impediment 8: Public Policies That May Affect Housing Choice. Public policies such as community
comprehensive plans and zoning ordinances sometimes affect the location of affordable housing, special
needs housing, and the development process of these types of housing.
Actions it planned to remove or ameliorate the negative effects of public policies that serve
as barriers to affordable housing such as land use controls, tax policies affecting land, zoning
ordinances, building codes, fees and charges, growth limitations, and policies affecting the
return on residential investment
The St. Joseph County Housing Consortium has identified public policies which may impede fair housing.
The City of South Bend and St. Joseph County should revise planning and zoning policies to expand the
ability for disabled residents to make ADA improvements to homes. Local zoning ordinances need
review and should be brought into compliance with the Fair Housing Act.
The St. Joseph County Housing Consortium has prepared a new Analysis of Impediments to Fair Housing
Choice for 2026.
During its FY 2026 CDBG, HOME, and ESG Program Year the St. Joseph County Housing Consortium, the
City of South Bend, and the City of Mishawaka propose to fund the follwoing activities/projects:
• Assistance with rehabilitation costs for lower income homeowners and renters.
• Funds for affordable second mortgages for first-time homebuyers.
• Funds for downpayment assistance for first-time homebuyers.
• Funds for education and outreach for fair housing.
• Funds for neighborhood fair housing organizations.
• Funds for project financing and related costs for affordable housing developments.
• Funds for permanent supportive housing development.
Discussion
Not Applicable.
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AP-85 Other Actions - 91.420, 91.220(k)
Introduction
The City of South Bend has developed the following actions planned to: address obstacles to meeting
underserved needs, foster and maintain affordable housing, reduce lead-based hazards, reduce the
number of poverty-level families, develop institutional structures, and enhance coordination between
public and private housing and social service agencies.
Actions planned to address obstacles to meeting underserved needs
Despite efforts made by the City of South Bend and social service providers, a number of significant
obstacles remain to meeting underserved needs. With funding resources being scarce, funding becomes
the greatest obstacle for the City of South Bend to meet its underserved needs. Insufficient funding
lessens the ability to fund many worthwhile public service programs, activities, and agencies. Through its
planning efforts, the City will use its limited resources to address the City of South Bend’s greatest needs
and improve the quality of life for its residents. The following obstacles need to be overcome in order to
meet underserved needs:
• Lack of decent, safe, sound, and affordable owner and renter housing.
• High cost of construction and rehabilitation work.
• Aging in place population who need accessibility improvements.
• Need major rehabilitation of the City’s aging housing stock.
• High eviction rates and foreclosure rates leading to vacant properties.
• Low wages in the service and retail sector job market.
Actions planned to foster and maintain affordable housing
To foster and maintain affordable housing, the City of South Bend proposes the following Five-Year
Goals and Strategies:
• HS-1 Housing Development - Increase the number of decent, safe, sanitary, accessible, and
affordable housing units in the County, both for owner-occupied and rental-occupied housing.
• HS-2 Homeownership – Increase the opportunities for homeownership for low- and moderate-
income households through downpayment/closing cost assistance, and housing counseling
services.
• HS-3 Housing Rehabilitation – Promote and assist in the preservation of existing owner-
occupied and renter-occupied housing in the County.
• HS-4 Lead-Based Paint – Promote and educate property owners on the dangers of lead-based
paint and safe work practices to abate lead-based paint in their residences.
• HS-5 Housing Assistance - Promote and provide housing stability through rental assistance,
deposits, and utility payments for low- and moderate-income households who are at risk of
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homelessness.
• HS-6 Fair Housing – Affirmatively further fair housing by promoting and informing households
on their rights, and by educating landlords, realtors, mortgage brokers, financial institutions, and
sellers on fair housing practices which will reduce discrimination in the sale and rental of
housing.
• HS-7 Housing Supportive Services – Promote and assist low- and moderate-income households
in the purchase, maintenance and upkeep of their homes through housing and financial
counseling to avoid eviction proceedings.
The City of South Bend will continue to work with the City’s Human Rights Commission during this
program year to again provide education and outreach and conduct housing education activities.
Actions planned to reduce lead-based paint hazards
The revised Federal lead-based paint regulations published on September 15, 1999 (24 CFR Part 35)
have had a significant impact on many activities – rehabilitation, tenant based rental assistance, and
property acquisition – supported by the CDBG program. The St. Joseph County Housing Consortium and
the City of South Bend will comply with Title 24 Part 35: Lead-Based Paint Poisoning Prevention in
Certain Residential Structures (Current Rule).
The St. Joseph County Housing Consortium and the City of South Bend will ensure that:
• Applicants for rehabilitation funding receive the required lead-based paint information and
understand their responsibilities.
• Staff properly determines whether proposed projects are exempt from some or all lead-based
paint requirements.
• The level of federal rehabilitation assistance is properly calculated and the applicable lead-based
paint requirements determined.
• Properly qualified personnel perform risk management, paint testing, lead hazard reduction,
and clearance services when required.
• Required lead hazard reduction work and protective measures are incorporated into project
rehabilitation specifications.
• Risk assessment, paint testing, lead hazard reduction, and clearance work are performed in
accordance with the applicable standards established in 24 CFR Part 35.
• Required notices regarding lead-based paint evaluation, presumption, and hazard reduction are
provided to occupants and documented.
• Program documents establish the rental property owner’s responsibility to perform and
document ongoing lead-based paint maintenance activities, when applicable.
Program staff monitor owners for compliance with ongoing lead-based paint maintenance activities,
when applicable.
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The St. Joseph County Housing Consortium and the City of South Bend will ensure that:
• Applicants for homeownership assistance receive adequate information about lead-based paint
requirements.
• The staff will properly determine whether proposed projects are exempt from some or all lead
based paint requirements.
• A proper visual assessment is performed to identify deteriorated paint in the dwelling unit, any
common areas servicing the unit, and exterior surfaces of the building or soil.
• Prior to occupancy, properly qualified personnel perform paint stabilization and the dwelling
passes a clearance exam in accordance with the standards established in 24 CFR Part 35.
• The home purchaser receives the required lead-based paint pamphlet and notices.
Actions planned to reduce the number of poverty-level families
According to 2018-2022 ACS data, 17.7% of families in South Bend live below the poverty line. The
poverty rate was greater for families with children, approximately 27.4% of households with children
under 18 years were below the poverty line. Approximately 37.4% of all female headed households in
the City were below the poverty line.
The City’s planned action to reduce the number of poverty-level families is based on economic
development and addressing the needs of the homeless. The City will support activities to attract and
expand businesses, support workforce development through job training, and address infrastructure
needs. The City will also engage in addressing the immediate needs of families and individuals using
public service providers.
Planned Public services will include:
• Job-training services through South Bend Career Pathways.
• Developing small businesses.
• Encouraging entrepreneurship among women and minorities.
• Incubating start-ups that begin at Notre Dame.
• Development of new commercial/industrial facilities.
• Homeless prevention services.
• Promotion of new job opportunities.
Actions planned to develop institutional structure
The City of South Bend works with the following agencies to enhance coordination:
• City of South Bend – Department of Community Investment - oversees the CDBG and ESG
programs, and the HOME program on behalf of the St. Joseph County Housing Consortium.
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• Housing Authority of South Bend - oversees the improvements to public housing communities,
Section 8 Housing Choice Voucher Program and the development of scattered site housing.
• Social Services Agencies - the City provides funds to address the needs of low- and moderate-
income persons.
• Housing Providers - the City provides funds to agencies and organizations to rehabilitate and
develop new affordable housing for low- and moderate-income families and individuals.
• Indiana Balance of State CoC Region 2a Planning Council - oversees the Continuum of Care
Network for St. Joseph County.
As part of the CDBG application planning process, local agencies, and organizations are invited to submit
proposals for CDBG funds for eligible activities. These groups participate in the planning process by
attending the public hearings, informational meetings, and completing survey forms.
Actions planned to enhance coordination between public and private housing and social
service agencies
Public Institutions: The City will act as a clearinghouse and facilitator for many of the activities described
in the annual action plan. As the local unit of government, the City is empowered to apply for and
administer certain types of grants. Support from the City, expressed as a certification of consistency or
some other instrument, may be all that is required for some activities. Other activities will involve the
more direct participation of the City for funding, acquisition of land or buildings, or in convening
meetings of various agencies to iron out differences or strategies on how to seize opportunities. The City
will continue to administer the CDBG and ESG programs, and the HOME program on behalf of the St.
Joseph County Housing Consortium.
The Housing Authority of South Bend administers public housing and Section 8 Rental Assistance
Programs in the City. This Authority is responsible for the management and maintenance of public
housing units. The Housing Authority will continue in its efforts to modernize these public housing units
in order to provide decent, affordable housing in the City.
Non-Profit Organizations: Non-profit housing agencies play a role in the implementation of this plan.
Through the construction of new housing, and the rehabilitation of existing units, these agencies access
financing sources such as the Low Income Housing Tax Credit, the Federal Home Loan Bank, and
charitable contributions that increase the supply of affordable housing. While some groups focus on the
rehabilitation of single units for resale to first time homebuyers, others have attempted to create
assisted rental developments.
The City of South Bend works closely with its neighborhood organizations and CDCs to undertake
housing development and rehabilitation projects in the City. Two (2) of the CDCs are certified CHDOs
and receive funding through the St. Joseph County Housing Consortium to develop additional housing in
the City.
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Social service agencies are a link between the provision of housing and the population it is intended to
serve. The agencies work directly with providers of services to persons with special needs including:
mental health, mental retardation, elderly, drug and alcohol addiction and families that are at-risk of
becoming homeless. Although these agencies cannot provide housing, they can direct housing efforts
where needed and are integral in the planning of housing and services for target populations.
Emergency shelters, including the Center for the Homeless, will continue to provide shelter for the
homeless.
Private Industry: Several lending institutions cooperate with the City and the St. Joseph County Housing
Consortium to provide funding for downpayment assistance and second mortgages. Those lending
institutions play an important role by providing financial partnerships that would not otherwise be
available to low- and moderate-income households.
Discussion
The Monitoring Policy is included as an attachment to this Plan.
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Program Specific Requirements
AP-90 Program Specific Requirements - 91.420, 91.220(l)(1,2,4)
Introduction
The City of South Bend receives an annual allocation of CDBG funds. The questions below have been
completed as they are applicable.
Community Development Block Grant Program (CDBG)
Reference 24 CFR 91.220(l)(1)
Projects planned with all CDBG funds expected to be available during the year are identified in the
Projects Table. The following identifies program income that is available for use that is included in
projects to be carried out.
1. The total amount of program income that will have been received before the start of the next
program year and that has not yet been reprogrammed 0
2. The amount of proceeds from section 108 loan guarantees that will be used during the year to
address the priority needs and specific objectives identified in the grantee's strategic plan. 0
3. The amount of surplus funds from urban renewal settlements 0
4. The amount of any grant funds returned to the line of credit for which the planned use has not
been included in a prior statement or plan 0
5. The amount of income from float-funded activities 0
Total Program Income: 0
Other CDBG Requirements
1. The amount of urgent need activities 0
2. The estimated percentage of CDBG funds that will be used for activities that benefit
persons of low and moderate income.Overall Benefit - A consecutive period of one,
two or three years may be used to determine that a minimum overall benefit of 70%
of CDBG funds is used to benefit persons of low and moderate income. Specify the
years covered that include this Annual Action Plan. 70.00%
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HOME Investment Partnership Program (HOME)
Reference 24 CFR 91.220(l)(2)
1. A description of other forms of investment being used beyond those identified in Section 92.205 is
as follows:
The St. Joseph County Housing Consortium does not intend to use any other forms of investment
other than those described in 24 CFR 92.205(b).
2. A description of the guidelines that will be used for resale or recapture of HOME funds when used
for homebuyer activities as required in 92.254, is as follows:
See policies regarding resale/recapture in the Attachments.
3. A description of the guidelines for resale or recapture that ensures the affordability of units acquired
with HOME funds? See 24 CFR 92.254(a)(4) are as follows:
See policies regarding resale/recapture in the Attachments.
4. Plans for using HOME funds to refinance existing debt secured by multifamily housing that is
rehabilitated with HOME funds along with a description of the refinancing guidelines required that
will be used under 24 CFR 92.206(b), are as follows:
The St. Joseph County Housing Consortium does not intend to refinance any existing debt for
multifamily housing that will be rehabilitated with HOME Funds
5. If applicable to a planned HOME TBRA activity, a description of the preference for persons with
special needs or disabilities. (See 24 CFR 92.209(c)(2)(i) and CFR 91.220(l)(2)(vii)).
The Oaklawn Psychiatric Center will provide Tenant Based Rental Assistance to individuals and
families currently utilizing their services. TBRA will be available to persons with mental illness and/or
substance use disorders who can live independently but lack financial security.
6. If applicable to a planned HOME TBRA activity, a description of how the preference for a specific
category of individuals with disabilities (e.g. persons with HIV/AIDS or chronic mental illness) will
narrow the gap in benefits and the preference is needed to narrow the gap in benefits and services
received by such persons. (See 24 CFR 92.209(c)(2)(ii) and 91.220(l)(2)(vii)).
Not applicable.
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7. If applicable, a description of any preference or limitation for rental housing projects. (See 24 CFR
92.253(d)(3) and CFR 91.220(l)(2)(vii)). Note: Preferences cannot be administered in a manner that
limits the opportunities of persons on any basis prohibited by the laws listed under 24 CFR 5.105(a).
Not applicable.
Emergency Solutions Grant (ESG)
1. Include written standards for providing ESG assistance (may include as attachment)
2026 Emergency Solutions Grants funds will be used to support local recipients’ emergency shelter
operations, transitional housing operations, and rapid rehousing measures. Specific standards are
detailed in the attached ESG manual for the City of South Bend and includes guidance on
coordination of services, evaluating and serving clients, shelter and housing standards, and
reporting and confidentiality of client data.
The Regional Planning Council (RPC) agrees that any client is eligible to receive assistance up to 12
months within a 3-year period as determined by the certification process required for all ESG clients.
In December 2014 the RPC agreed to extend the time period for youth to a maximum of 24 months.
The RPC anticipates this timeframe to be of assistance, and believes it supports the rapid re-housing
emphasis of the program. It is the case manager’s responsibility to document client need and ensure
that ESG is the most appropriate assistance for the client. Any potential client must go through a
detailed intake process in order to determine and document eligibility to participate in the program.
Case managers will consistently reevaluate the need for assistance during the 12 month period. All
sub-grantees are expected to provide support to clients for the full time necessary to stabilize that
client and provide for the likelihood of a positive housing outcome after assistance.
Also approved by the RPC in December 2014 was the option for an agency to tier the rent assistance
over the 12-month period. For example, 100% assistance would be provided for the first three (3)
months, 75% for months four (4) through six (6), 50% for months seven (7) through nine (9), and
25% for the remaining three months of the period. This scale may be adjusted for youth that are
eligible for 24 months of assistance.
Attached is the City of South Bend's ESG Manual which was provided to all ESG subrecipients.
2. If the Continuum of Care has established centralized or coordinated assessment system that
meets HUD requirements, describe that centralized or coordinated assessment system.
The RPC started implementing coordinated entry in 2017. The goal of CE is to increase the efficiency
of local response systems and improve fairness and ease of access to resources. In 2026, plans are in
place to begin a transition from the previously used VI-SPDAT as an assessment tool, to the
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Collaborative Housing Assessment Tool (CHAT). The CHAT model was select as it is shorter and uses
plain languages in a conversational format which is more client friendly. It is designed to reduce
duplication of questions and information regarding clients that has already been recorded in HMIS.
Additionally, members of the RPC have specific days/times and locations that were agreed upon for
outreach. Monthly meetings occur to review and update the list with referrals being made as
appropriate.
3. Identify the process for making sub-awards and describe how the ESG allocation available to
private nonprofit organizations (including community and faith-based organizations).
The City of South Bend publishes a Notice of Funding Opportunity with Request for Proposals
annually to be submitted for consideration during the Annual Action Plan process. Proposals are
evaluated and preference is given to those which address the following:
• Priority is given to agencies that are actively involved in the Regional Planning Council;
• Allow for the use of ESG Program funds so that as many homeless individuals and families as
possible will be assisted;
• Demonstrate a commitment to the project in terms of time, effort, resources, etc.;
• Include a realistic, detailed financial package that documents the ability of the applicant entity to
match the Emergency Solutions Grant funds and demonstrates the ability to leverage financing from
other sources. (Expenditures should be explained);
• Describe the nature and extent of the (documented) unmet homeless need within the applicant’s
jurisdiction and detailed extent to which the proposed activities address the need;
• Provide the ability of the applicant entity to carry out the proposed activities within the 2023
program year;
• Demonstrate effectiveness in serving the homeless, including the ability to establish, maintain,
and/or improve the self-sufficiency of homeless individuals;
• Timeliness of reimbursement requests/draw requests will be considered for currently or previously
funded entities; and,
The City of South Bend has the final decision-making authority on the selection of proposals to be
funded.
The City of South Bend recognizes that it is a HUD policy that, within the framework of constitutional
church-state guidelines, faith-based organizations should be able to compete on an equal footing
with other organizations for Federal funding. Accordingly, organizations that are faith-based are
eligible, on the same basis as any other organization, to participate in HUD programs and activities,
and therefore the City of South Bend’s HUD-funded programs and activities.
The City is a member of the Regional Planning Council and works closely with them and the agencies
involved to ensure that policies and procedures, as well as funding allocations, are in line with the
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best practices for those with needs in the community.
4. If the jurisdiction is unable to meet the homeless participation requirement in 24 CFR
576.405(a), the jurisdiction must specify its plan for reaching out to and consulting with
homeless or formerly homeless individuals in considering policies and funding decisions
regarding facilities and services funded under ESG.
The Region 2a RPC continues to strive to maintain active participation by a person or persons with
lived experience. The RPC has an outreach focus group that is led by the City of South Bend’s
Homeless Coordinator which meets regularly with persons with lived experience to gain insight into
challenges faced by that demographic. Attendees of the group are encouraged to attend RPC
meetings.
The outreach groups allow participants to shared their experiences with different programs in South
Bend, serving those who have, or are, experiencing housing instability. Feedback has been used to
modify how ESG, CoC and other programs and services are administered by participating agencies.
Specific efforts have addressed changes to the weather amnesty program and the point-in-time
count procedures. Currently, there are discussions with this group and Beacon Memorial to assess
the unmet medical needs of the unhoused. This input is helping Beacon Memorial design a street
outreach program to address those unmet health needs of persons who would otherwise not seek
care. Other efforts of the outreach group have resulted in partnerships with Notre Dame students
in assessing needs and recommending best practices in serving the needs of unhoused persons.
The City, along with the Regional Planning Council, has as their combined agenda, the development
of a long-term plan to include homeless participation on the Continuum. All sub-grantees are
required to involve program participants in the operation of their ESG-funded programs. This
involvement can be in the form of a program participant's employment or volunteering in program
activities such as construction, renovation, maintenance, general operation of facilities, and
provision of services. For example, a shelter might involve participation in ongoing maintenance
tasks or other operations of the facility such as staffing the reception desk. This involvement can
include paid and/or volunteer work. One formerly homeless individual serves on the St. Joseph
County Regional Planning Council.
5. Describe performance standards for evaluating ESG.
The City of South Bend recently revised its ESG manual in 2023 as a result of consultation with its
ESG subrecipients and HUD. The manual has been approved by the Region 2a Planning Council for
its ESG programs. This manual has all been reviewed and shared with each Subrecipient
agency/organization and lists specific standards for each ESG program as well as performance
expectations. The City regularly checks in with subrecipients to ensure compliance as well as
evaluate performance standards.
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Specific performance standards in place and expected to continue include:
• A 1:1 match requirement for ESG. When applying for ESG funds, subrecipients must include the
source of match in their request for proposals. Annually the subrecipient will provide the actual
amount matched and source.
• All ESG subrecipients will use HMIS ClientTrack or ClientTrack DV to track beneficiaries.
• All ESG subrecipients are required to be actively involved in the Balance of State Continuum and the
Region 2a Homeless Planning Council.
2026 is the second year of the 2025 – 2029 Consolidated Plan, therefore, agencies will be expected
to use the existing measure of performance that 35% of households served with Rapid Rehousing
Assistance will be stably housed within six (6) of the last date of assistance.
Annually, the City will review each agency to assess their success in meeting the performance
standards as part of the CAPER. Performance will be compared to expectations and additional
training provided to those agencies who fall short of the expectations. Any changes in performance
standards will be announced in advance of contracts being awarded and will be included in the
written agreement with the subrecipient. Training will be provided at the time performance
standards change in ensure all subrecipients understand the expectations.
The City of South Bend and the St. Joseph Housing Consortium actively focus funding efforts to
address the housing affordability challenges within the city and county. CDBG and HOME funds are
used for the development of affordable housing through construction and rehabilitation, both for
homeownership and rental units. ESG funds are used to assist those experiencing housing insecurity
and related challenges. The Consortium was awarded HOME-ARP funds which will be used to assist
with the County's goal of reducing homelessness and increasing housing stability in South Bend,
Mishawaka and St. Joseph County.
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