Calvert County is home to numerous safe, attractive residential communities.  Residents are drawn to the County's rural character, good schools, low taxes and low crime rates.

While working to maintain the rural nature of the County, the Board of County Commissioners has also initiated a number of strategies to encourage the development of housing to meet the diverse needs of its citizens.  These initiative include:

• Establishment of the Calvert Housing Opportunities Loan Fund, which provides start-up funding to encourage the development of affordable housing and bridge loans for single-family home ownership;
• Partnership with the State of Maryland to provide down-payment and closing cost assistance for first-time homebuyers through the House Keys 4 Employees Program;
• Incorporation of new Planning & Zoning tools to provide additional opportunities for the construction of affordable housing within the County, including accessory apartments over or adjacent to  businesses and a pilot project to promote duplexes, triplexes or quadplexes in certain zoning categories;
• Waiver of the purchase of Transfer Development Rights (TDRs), (required for increased density housing) available for qualifying affordable housing developments.
• The development of a Housing Information Guide, which provides a listing of local housing resources.

In addition, the Calvert Housing Opportunities Committee, 
appointed by the Board of County Commissioners, represents a broad cross-section of government, agency and community members who make recommendations for housing policy, and oversee the use of the Loan Fund.  The Committee provides input to the Board of County Commissioners on the feasibillity of potential affordable housing projects and tracks current practices within the State of Maryland, and nationally, that promote quality affordable/worforce housing.

Today's housing environment presents both challenges and opportunities.  We invite you to learn more about the County's housing initiatives and to join us in partnering to create housing opportunities for all Calvert's citizens.

To further assist in locating/financing/developing affordable housing units in Calvert County, additional Housing Resources are provided for your information.