Florida Housing Coalition: Get Involved Guide

📘 What is Florida Housing Coalition in One Sentence?

Florida Housing Coalition is Florida’s premier statewide nonprofit providing comprehensive training, technical assistance, policy advocacy, and expert consultation on all aspects of affordable housing—founded in 1982 and now operating from offices throughout Florida / statewide staff (website: flhousing.org).

⚡ Quick Answer

Florida Housing Coalition serves local governments, nonprofits, developers, and policymakers through expert consulting, statewide training, free telephone/email technical assistance (850 878-4219 | info@flhousing.org), administration of the State Housing Initiatives Partnership (SHIP) Catalyst Program, and the annual Statewide Affordable Housing Conference (39th conference Aug 24‑26, 2026, Orlando).

  • Key Services: Development planning, CLT certification, zoning reform, disaster recovery planning, fair housing compliance, SHIP technical assistance
  • Annual Event: Statewide Affordable Housing Conference (500+ attendees)
  • Policy Focus: Live Local Act implementation, inclusionary housing, long‑term affordability, local policy toolkit
  • Reach: All 67 counties, 123 SHIP jurisdictions

📌 At a Glance

  • Official Name: Florida Housing Coalition
  • Type: Statewide 501(c)(3) nonprofit training, technical assistance, policy & advocacy organization
  • Founded: 1982
  • Mission: Deliver expert training, technical assistance, and policy advocacy on all aspects of affordable housing throughout Florida
  • Headquarters: Tallahassee, FL (with offices throughout Florida / statewide staff)
  • Website: flhousing.org
  • Helpline: 1‑800‑677‑4548 | info@flhousing.org (Monday–Friday)
  • Membership: 900+ organizations & individuals | $75 individual / $250 private / $500+ government
  • Key Strengths: SHIP program expertise, statewide training network, local policy toolkit, disaster recovery planning, community land trust support
  • Signature Event: 39th Annual Statewide Affordable Housing Conference (Aug 24‑26, 2026, Rosen Centre Hotel, Orlando)
  • Major Programs: Affordable Housing Catalyst Program, SHIP technical assistance, CLT certification, fair housing training
  • Policy Focus: Live Local Act implementation, inclusionary housing, affordability preservation, zoning reform, disaster recovery
  • Geographic Reach: All 67 counties, 123 SHIP jurisdictions, offices throughout Florida / statewide staff

⚖️ Legal Disclaimer

This guide is for informational and educational purposes only and does not constitute legal, financial, or professional advice. Program details, funding amounts, deadlines, and eligibility requirements change frequently. Always verify current information directly with Florida Housing Coalition at flhousing.org or 1‑800‑677‑4548 before making decisions. The author and publisher assume no liability for actions taken based on this content.


1. What is Florida Housing Coalition?

Florida Housing Coalition (FHC) is the state’s most comprehensive nonprofit resource for affordable housing professionals, policymakers, and advocates. Established in 1982 to address Florida’s growing housing affordability crisis, the Coalition has evolved into a statewide network with 10 regional offices that deliver expert training, hands‑on technical assistance, and policy advocacy across all 67 counties. Unlike purely advocacy‑focused organizations, Florida Housing Coalition emphasizes practical, implementation‑oriented support: helping local governments administer the State Housing Initiatives Partnership (SHIP) program effectively, training developers on financing and compliance, certifying Community Land Trusts, designing local inclusionary housing ordinances, and providing disaster recovery planning after hurricanes and floods. The Coalition’s work spans the entire affordable housing ecosystem—from site acquisition and development planning to fair housing compliance, tenant protections, and long‑term affordability preservation.

Florida faces a severe housing affordability shortage, with an estimated deficiency of over 500,000 affordable units for extremely low‑income households. Median rents have risen faster than wages in every major metro area, forcing working families, seniors on fixed incomes, and essential workers (teachers, nurses, first responders) to spend more than 50 percent of their income on housing or commute hours from job centers. Florida Housing Coalition addresses this crisis by building the capacity of the people and organizations that create, preserve, and advocate for affordable housing. The Coalition does not develop housing directly; instead, it equips hundreds of local governments, community development corporations, housing authorities, and private developers with the knowledge, tools, templates, and ongoing support necessary to navigate complex funding streams (SHIP, Low‑Income Housing Tax Credits, HOME, CDBG, local trust funds), comply with state and federal regulations, and implement innovative models such as community land trusts, inclusionary zoning, and rapid rehousing programs.

The Coalition’s statewide footprint is unique in Florida. With regional staff embedded in communities from the Panhandle to the Keys, FHC delivers in‑person workshops, site visits, and one‑on‑one consultations tailored to local contexts—rural towns seeking to rehabilitate vacant homes, coastal cities planning for climate resilience and workforce housing, suburban counties crafting inclusionary zoning ordinances, and urban neighborhoods implementing community land trusts to prevent displacement. This localized, relationship‑based approach ensures that training and technical assistance are not generic webinars but contextualized, actionable guidance that reflects each community’s unique opportunities, constraints, political dynamics, and cultural priorities.

💡 Why Florida Housing Coalition Matters

Housing production in Florida is complex, fragmented, and highly regulated. Navigating SHIP rules, tax credit applications, land‑use appeals, fair housing compliance, and local zoning requires specialized expertise. Florida Housing Coalition democratizes that expertise—providing small towns and grassroots nonprofits with the same caliber of technical assistance that large developers pay consultants thousands of dollars to access. By leveling the playing field, FHC enables more communities to successfully compete for funding, launch affordable housing projects, and implement policy reforms.

Core Functions of Florida Housing Coalition

Florida Housing Coalition operates along four core pillars that together form a comprehensive support system for affordable housing stakeholders throughout the state. Training and Education includes the annual Statewide Affordable Housing Conference (Florida’s largest housing convening with 500+ attendees), dozens of regional workshops on topics such as SHIP administration, fair housing law, tax credit financing, community land trusts, disaster recovery, and inclusionary housing, plus an online learning platform with recorded webinars and self‑paced courses accessible 24/7. Technical Assistance and Consulting provides free telephone and email support (1‑800‑677‑4548) to SHIP administrators, personalized on‑site consultations for development projects, compliance reviews, underwriting analysis, organizational capacity assessments, strategic planning facilitation, and model policy drafting. The SHIP Catalyst Program—funded by Florida Housing Finance Corporation—ensures that all 123 SHIP‑participating jurisdictions receive expert guidance on program design, eligible activities, income targeting, underwriting standards, procurement, monitoring, and reporting. Policy Advocacy and Research encompasses the Local Policy Toolkit for Affordable Housing (released December 2025), legislative testimony, policy briefs on zoning reform and the Live Local Act, coalition building with allied organizations, and statewide data collection and analysis.

The Coalition’s work is deeply intersectional, recognizing that housing affordability connects to health, education, economic mobility, climate resilience, racial equity, and community stability. For example, FHC’s disaster recovery training helps communities integrate affordable housing into post‑hurricane rebuilding, ensuring that low‑income families are not permanently displaced. The Coalition’s fair housing education addresses historical redlining, exclusionary zoning, and discriminatory lending that have concentrated poverty and segregated neighborhoods. Community land trust certification programs promote permanent affordability and community wealth‑building, particularly in gentrifying areas where rising land values threaten to displace longtime residents. By addressing housing through this holistic, equity‑centered lens, Florida Housing Coalition ensures that solutions do not inadvertently reproduce inequality or exclude the most vulnerable populations.


2. Mission, Vision & History

Florida Housing Coalition’s mission is to deliver expert training, technical assistance, and policy advocacy on all aspects of affordable housing throughout Florida, empowering communities to create safe, stable, quality homes for low‑ and moderate‑income families. The Coalition’s vision is a Florida where every resident—regardless of income, race, age, or ability—has access to affordable, healthy housing in a community of opportunity, and where local governments, nonprofits, developers, and advocates work collaboratively to meet diverse housing needs through innovative, equitable, and sustainable solutions.

History & Evolution (1982–Present)

Florida Housing Coalition was founded in 1982 by a small group of affordable housing advocates, developers, and government officials who recognized that Florida’s rapid population growth—fueled by retirees, tourists, and economic migrants—was creating severe housing affordability pressures, particularly for farm workers, service industry employees, and elderly residents on fixed incomes. At the time, Florida had no dedicated state funding mechanism for affordable housing, and federal resources were shrinking under Reagan‑era budget cuts. The Coalition’s founders believed that a statewide membership organization could amplify local voices, share best practices, educate policymakers, and advocate for dedicated state funding.

In 1992, Florida voters approved a constitutional amendment dedicating documentary stamp tax revenues to affordable housing through the Sadowski Act, which created the State Housing Initiatives Partnership (SHIP) program and the State Apartment Incentive Loan (SAIL) program. Florida Housing Coalition played a central advocacy role in that campaign and has since become the primary training and technical assistance provider for SHIP jurisdictions. Over subsequent decades, the Coalition expanded from a Tallahassee policy shop into a statewide service organization with regional offices in Jacksonville, Tampa, Orlando, Fort Myers, West Palm Beach, Miami, and other cities. The Coalition has trained tens of thousands of housing professionals, assisted in the development of hundreds of thousands of affordable units, certified dozens of community land trusts, and influenced state and local policy on issues ranging from accessory dwelling units to eviction protections to disaster recovery.

Throughout its history, Florida Housing Coalition has adapted to evolving housing challenges: the foreclosure crisis of 2008–2012 (providing loan modification counseling and REO acquisition training), the post‑recession rental affordability squeeze (advocating for increased SHIP allocations and tenant protections), the 2017–2018 hurricane seasons (delivering disaster recovery planning and resilient construction training), the COVID‑19 pandemic (emergency rental assistance implementation support), and the 2020–2025 rent surge (advocating for rent stabilization, inclusionary zoning, and the Live Local Act implementation). This responsiveness and adaptability have made Florida Housing Coalition a trusted, durable partner to both government and nonprofit sectors.

🏛️ Sadowski Act & SHIP Program

The William E. Sadowski Affordable Housing Act (1992) created a dedicated funding stream by allocating a portion of documentary stamp taxes (paid on real estate transactions) to the State Housing Trust Fund. SHIP distributes these funds to all 67 counties and cities with populations over 50,000 (currently 123 jurisdictions) based on population and local housing need. SHIP can fund acquisition, new construction, rehabilitation, down payment assistance, emergency repairs, and rental assistance for households earning up to 140% of area median income. Florida Housing Coalition administers the Affordable Housing Catalyst Program—funded by Florida Housing Finance Corporation—to provide free training and technical assistance to all SHIP jurisdictions, ensuring effective, compliant use of these critical dollars.


3. Training & Education Programs

Florida Housing Coalition is Florida’s leading provider of affordable housing training and professional development, offering a comprehensive curriculum that spans basic introductions for elected officials and community members, intermediate workshops for program administrators and property managers, and advanced certifications for developers and CLT practitioners. All training is designed to be practical, actionable, and rooted in real‑world case studies from Florida communities. The Coalition’s training model combines annual conferences, regional in‑person workshops, live webinars, recorded online courses, and custom organizational trainings tailored to specific client needs.

Annual Statewide Affordable Housing Conference

The Statewide Affordable Housing Conference is Florida’s premier convening of affordable housing professionals, attracting 500+ participants from local governments, nonprofits, housing authorities, developers, banks, legal services, advocacy organizations, and state agencies. The 39th Annual Conference will be held August 24‑26, 2026 at the Rosen Centre Hotel in Orlando, featuring three days of plenary sessions, breakout workshops, networking events, an exhibitor hall, and opportunities for one‑on‑one consultations with Coalition staff. Conference tracks typically include SHIP program administration, tax credit financing, community land trusts, fair housing and civil rights, disaster recovery, climate resilience, supportive housing, tenant engagement, inclusionary zoning, local funding strategies, and emerging topics such as the Live Local Act, manufactured housing communities, and tiny home villages.

The conference serves multiple functions beyond education: it is the primary annual networking opportunity for Florida’s affordable housing community, a venue for state agencies to announce new funding opportunities and rule changes, a marketplace where developers meet potential partners and investors, and a policy forum where advocates coordinate strategy and build coalitions. First‑time attendees benefit from orientation sessions and mentorship matching; seasoned professionals return annually to stay current on regulatory changes and connect with peers. Florida Housing Coalition offers discounted registration for members, scholarships for nonprofit staff and residents with lived experience, and virtual attendance options to maximize accessibility.

Regional Workshops & Webinars

Throughout the year, Florida Housing Coalition delivers dozens of regional workshops hosted by local governments, community colleges, and nonprofit partners in all regions of the state. These workshops provide localized, in‑depth training on specialized topics and allow participants to engage in hands‑on exercises, case study discussions, and peer learning. Common workshop topics include SHIP program design and compliance, underwriting affordable housing projects, fair housing law and marketing, property management and asset management, manufactured housing community preservation, community land trust development, inclusionary zoning implementation, disaster recovery housing, and supportive housing for people experiencing homelessness.

Florida Housing Coalition also hosts monthly webinars on emerging topics, policy updates, and case studies. Recent webinars have covered the Live Local Act implementation (November 2024), using SHIP for rental housing development (June 2024), the Local Policy Toolkit launch (December 2025), and post‑hurricane recovery strategies. All webinars are recorded and posted to the Coalition’s online learning platform at flhousingcoalition.thinkific.com, where members can access them 24/7 along with downloadable templates, checklists, model ordinances, and policy briefs.

📚 Online Learning Platform

Florida Housing Coalition’s Thinkific‑based learning platform offers free and premium courses on affordable housing development, community development, and fair housing. Free content includes recorded webinars, introductory modules, and policy briefs. Premium courses—available to members and conference registrants—provide structured curricula with quizzes, certificate of completion, and continuing education credits recognized by the Florida Bar, certified public accountants, and affordable housing certification programs. Topics include SHIP administration, CLT governance, fair housing investigation, tax credit underwriting, and disaster recovery planning.

Custom Organizational Training

Florida Housing Coalition offers custom training designed and delivered specifically for individual organizations or coalitions. Examples include onboarding programs for new SHIP administrators, board governance training for community development corporations, fair housing training for real estate agents and property managers, and disaster recovery planning workshops for counties and municipalities. Custom training sessions range from half‑day orientations to multi‑day intensive programs and can be delivered in person or virtually. Organizations interested in custom training can contact the Coalition at info@flhousing.org or 1‑800‑677‑4548 to discuss needs, learning objectives, audience, and pricing.


4. Technical Assistance & Consulting Services

Florida Housing Coalition provides free and fee‑based technical assistance to local governments, nonprofits, housing authorities, developers, and community groups throughout Florida. Technical assistance ranges from brief telephone consultations answering specific questions to multi‑month engagements involving comprehensive organizational assessments, policy drafting, financial analysis, and implementation support. The Coalition’s multidisciplinary team includes experts in housing finance, community development, land use planning, fair housing law, property management, supportive services, and community organizing, enabling FHC to address the full spectrum of affordable housing challenges.

Free Telephone & Email Support

All SHIP‑participating jurisdictions and Florida Housing Coalition members receive unlimited free telephone and email technical assistance Monday through Friday from 9 AM to 5 PM ET. Staff respond to hundreds of inquiries monthly on topics such as SHIP‑eligible activities, income targeting requirements, underwriting standards, procurement procedures, environmental review, fair housing compliance, affordability covenants, monitoring protocols, and reporting deadlines. This service democratizes access to expertise, ensuring that small towns with limited staff capacity and no in‑house housing specialists can implement SHIP programs as effectively as large counties with dedicated housing departments. To access free technical assistance, call 1‑800‑677‑4548 or email info@flhousing.org with your question and contact information; staff typically respond within one business day.

Consulting Services (Fee‑Based)

Florida Housing Coalition offers fee‑based consulting services for more complex, time‑intensive projects that require customized analysis, policy design, or implementation support. Common consulting engagements include:

  • Development planning: Site feasibility analysis, financial pro formas, funding stack assembly, partnership structuring for mixed‑income or mixed‑use projects
  • Organizational capacity building: Nonprofit housing developer assessments, board governance training, financial management systems, pipeline development strategy
  • Policy design and drafting: Inclusionary housing ordinances, affordable housing trust fund guidelines, impact fee waivers, accessory dwelling unit regulations, short‑term rental restrictions
  • Community needs assessments: Housing market studies, stakeholder engagement, priority setting, action planning
  • Disaster recovery planning: Pre‑disaster housing resilience assessments, post‑disaster needs assessments, CDBG‑DR program design, mitigation and reconstruction strategies
  • Community land trust (CLT) formation: Legal structuring, ground lease drafting, resale formula design, homebuyer education curriculum, CLT certification preparation
  • Compliance and monitoring: SHIP program audits, fair housing assessments, property inspections, financial statement reviews

Consulting fees are structured on a project basis and scaled to organizational capacity; Florida Housing Coalition offers discounted rates for nonprofits, small jurisdictions, and mission‑aligned organizations. To discuss a potential consulting engagement, contact the Coalition at info@flhousing.org and request a consultation with the appropriate regional director or program specialist.

🔧 Technical Assistance Success Story: Inclusionary Housing in Sarasota County

In 2024, Sarasota County engaged Florida Housing Coalition to design and draft an inclusionary housing ordinance requiring or incentivizing affordable units in new residential developments. FHC staff conducted a legal analysis of Florida’s preemption statutes, reviewed case studies from other Florida jurisdictions, facilitated stakeholder workshops with builders and advocates, modeled financial impacts under different set‑aside percentages and income targets, drafted ordinance language with built‑in flexibility for density bonuses and fee waivers, and trained county staff on implementation and monitoring. The ordinance was adopted in early 2025 and is projected to generate 200+ affordable units annually—demonstrating how expert technical assistance can translate community vision into actionable policy.


5. SHIP Program Support & Catalyst Initiative

The State Housing Initiatives Partnership (SHIP) Program is Florida’s most flexible and locally controlled affordable housing funding stream, distributing over $200 million annually (in recent high‑revenue years) to 123 participating jurisdictions based on population and local need. SHIP funds can support a wide range of activities: down payment assistance for first‑time homebuyers, emergency repairs for elderly homeowners, new construction or substantial rehabilitation of affordable rental housing, acquisition of land or buildings for future development, impact fee waivers, predevelopment costs, and short‑term rental or mortgage assistance to prevent homelessness. Eligible households earn up to 140% of area median income (AMI), with enhanced points for targeting lower incomes.

Florida Housing Coalition administers the Affordable Housing Catalyst Program under contract with Florida Housing Finance Corporation (the state agency that oversees SHIP). Through the Catalyst Program, Florida Housing Coalition provides comprehensive, ongoing support to all 123 SHIP jurisdictions, ensuring that local administrators—many of whom wear multiple hats and manage SHIP alongside other community development responsibilities—have access to expert guidance, templates, training, and peer networks. Catalyst services include:

  • Free telephone and email technical assistance: Unlimited access to SHIP specialists Monday–Friday (1‑800‑677‑4548 | info@flhousing.org)
  • On‑site consultations: Regional staff visit jurisdictions to conduct program reviews, train new administrators, facilitate strategic planning, and troubleshoot implementation challenges
  • Model documents and templates: Application forms, income certification worksheets, underwriting spreadsheets, promissory notes, mortgages, affordability covenants, monitoring checklists, procurement templates
  • SHIP‑specific training: Annual SHIP workshops at regional locations and during the Statewide Conference, plus topical webinars on rule changes, eligible activities, income targeting, compliance, and reporting
  • Peer learning networks: Facilitated discussions, site visits to exemplary programs, online forums for administrators to share challenges and solutions
  • Policy and rule interpretation: Guidance on navigating Florida Statutes Chapter 420, Florida Administrative Code Rule 67‑37, and federal cross‑cutting requirements (environmental review, fair housing, labor standards)

Common SHIP Implementation Topics

Florida Housing Coalition’s SHIP technical assistance addresses a wide range of implementation questions and challenges. Frequently addressed topics include designing Local Housing Assistance Plans (LHAP) that align SHIP strategies with community needs and political feasibility, setting appropriate income targets and affordability periods to balance access and long‑term impact, underwriting rental development projects to ensure financial feasibility while maximizing SHIP leverage, structuring partnerships with nonprofit developers or private builders to expand production capacity, complying with procurement requirements when selecting developers or service providers, conducting property inspections and financial monitoring to ensure continued compliance, and reporting expenditures and outcomes accurately to Florida Housing Finance Corporation. Additionally, Coalition staff help jurisdictions navigate challenging scenarios such as recapturing SHIP funds when a homeowner sells before the end of the affordability period, managing SHIP‑funded rental properties that face foreclosure, addressing fair housing complaints, and responding to disaster damage or displacement.

📊 SHIP Program Impact

Since its inception in 1992, SHIP has invested over $3 billion in Florida affordable housing, assisting more than 300,000 households through homebuyer down payment assistance, emergency home repairs, new construction of affordable rental units, and acquisition/rehabilitation of multifamily properties. SHIP is particularly valuable in smaller counties and rural areas where federal programs like Low‑Income Housing Tax Credits and HOME are less accessible due to limited development capacity or small project scale. By providing flexible, locally controlled funding with streamlined compliance requirements, SHIP enables communities of all sizes to address their unique affordable housing priorities.


6. Annual Statewide Affordable Housing Conference

The Florida Housing Coalition Statewide Affordable Housing Conference is the largest and most comprehensive affordable housing convening in Florida, bringing together 500+ professionals from local governments, nonprofits, housing authorities, developers, financial institutions, legal services, advocacy organizations, academic institutions, and state agencies for three days of education, networking, policy dialogue, and partnership building. The conference has been held annually since the early 1980s and is widely recognized as the “can’t‑miss” event for anyone working in Florida affordable housing.

39th Annual Conference: August 24‑26, 2026 | Orlando

The 39th Annual Statewide Affordable Housing Conference will be held August 24‑26, 2026 at the Rosen Centre Hotel in Orlando, Florida. The 2026 conference theme will focus on “Scaling Solutions: From Pilot to Policy,” highlighting innovative local programs that have successfully expanded to serve more households and influenced statewide policy. The three‑day agenda will include:

  • Opening Plenary: Keynote address by a national housing leader, state legislative update, Florida Housing Finance Corporation funding announcements
  • 60+ Breakout Workshops: Organized into tracks covering SHIP administration, development finance, community land trusts, fair housing, disaster recovery, supportive housing, tenant organizing, inclusionary zoning, and more
  • Pre‑Conference Intensives (August 23): Full‑day deep‑dive sessions on specialized topics such as CLT certification, tax credit underwriting, fair housing investigation, and disaster recovery planning (additional registration fee)
  • Networking Events: Welcome reception, exhibit hall with 50+ vendors and service providers, regional meet‑ups, affinity group gatherings (rural practitioners, CLT developers, housing authority staff, etc.)
  • Policy Forum: Moderated discussion on 2027 legislative priorities, advocacy strategy coordination, coalition building
  • Awards Ceremony: Recognition of exemplary affordable housing projects, innovative programs, and outstanding practitioners
  • One‑on‑One Consultations: Attendees can schedule 30‑minute appointments with Florida Housing Coalition staff or subject‑matter experts for personalized technical assistance

Registration, Pricing & Scholarships

Conference registration typically opens in April and includes access to all plenary sessions, breakout workshops, networking events, the exhibit hall, and conference materials. Early‑bird registration rates (available through June) are $395 for Florida Housing Coalition members and $595 for non‑members—meaning that the non‑member rate exceeds the cost of an annual individual membership ($75) plus member registration, creating a strong incentive to join. Florida Housing Coalition offers need‑based scholarships covering registration and/or hotel accommodations for nonprofit staff, residents with lived experience of housing insecurity, and emerging professionals; scholarship applications are typically due in May. Virtual attendance options may be available for select plenary sessions and workshops for participants unable to travel. Full conference details, registration links, hotel room blocks, and scholarship applications are posted at conference.flhousing.org beginning in early spring.

🎤 Who Should Attend the Conference?

The conference is valuable for SHIP administrators and community development staff seeking compliance updates and implementation strategies, nonprofit housing developers looking to expand capacity and secure financing, local elected officials and policymakers learning about affordable housing tools and best practices, housing authority staff coordinating voucher programs with development initiatives, private developers and builders exploring affordable housing opportunities and incentives, architects, engineers, and contractors interested in affordable and sustainable design, bankers and investors seeking community development finance opportunities, legal services attorneys and fair housing advocates addressing tenant rights and discrimination, service providers coordinating housing with health care, education, and employment supports, and residents and community organizers advocating for affordable housing in their neighborhoods.


7. Policy Advocacy & Local Toolkit

Florida Housing Coalition engages in state and local policy advocacy to advance systemic solutions to Florida’s affordable housing crisis. Unlike many advocacy organizations that focus primarily on lobbying, FHC emphasizes research, policy design, technical assistance for implementation, and coalition building—leveraging its deep relationships with local governments, developers, and service providers to identify practical, politically feasible reforms that can be successfully implemented. The Coalition’s policy work centers on increasing dedicated funding for affordable housing (defending Sadowski Act appropriations from legislative “sweeps”), expanding local government authority to enact inclusionary zoning and other affordable housing tools, protecting tenant rights and preventing displacement, promoting climate resilience and disaster recovery planning, and advancing racial equity in housing policy and investment.

Local Policy Toolkit for Affordable Housing (December 2025)

In December 2025, Florida Housing Coalition released the Local Policy Toolkit for Affordable Housing—a comprehensive guide for local governments, advocates, and community organizations seeking to expand affordable housing through local policy reforms within the constraints of Florida’s preemption statutes. The Toolkit was developed through a multi‑year research and stakeholder engagement process, analyzing legal frameworks, reviewing case studies from Florida jurisdictions, and consulting with attorneys, planners, developers, and advocates. It provides model ordinance language, implementation guides, political strategy recommendations, and impact projections for a menu of local policy tools, including:

  • Inclusionary housing ordinances: Requiring or incentivizing affordable units in new market‑rate developments through density bonuses, fee waivers, expedited permitting, and flexibility on parking or design standards
  • Accessory dwelling unit (ADU) reforms: Streamlining approval, reducing regulatory barriers, and providing financing assistance for homeowners to add ADUs that can serve as affordable rentals or intergenerational housing
  • Affordable housing trust funds: Dedicating local revenue sources (impact fees, linkage fees, real estate transfer taxes, general revenue) to a dedicated fund for affordable housing development and preservation
  • Community land trusts (CLT): Donating public land, providing seed funding, and integrating CLTs into inclusionary housing and disposition policies to create permanent affordability
  • Affordable housing overlay zones: Allowing by‑right affordable housing development (without discretionary approval) in targeted areas with relaxed density, height, and parking requirements
  • Comprehensive plan policies: Establishing affordable housing goals, inclusionary housing requirements, and displacement prevention strategies in local comprehensive plans as a legal foundation for implementation tools
  • Surplus public land disposition: Prioritizing affordable housing in the sale or lease of publicly owned land, using long‑term ground leases and deed restrictions to maintain affordability
  • Fee waivers and reductions: Waiving or reducing impact fees, building permit fees, utility connection fees, and other local charges for affordable housing projects
  • Expedited permitting: Establishing clear timelines and dedicated staff to fast‑track affordable housing applications, reducing carrying costs and financial risk for developers

The Toolkit is available as a free download at flhousing.org and is accompanied by a series of webinars, regional workshops, and one‑on‑one consultations to support local implementation. Florida Housing Coalition encourages advocates, local government staff, and elected officials to use the Toolkit as a starting point for community conversations, policy development, and coalition building around local affordable housing strategies.

Live Local Act Implementation & Advocacy

The Live Local Act, enacted in 2023 and amended in 2025, is Florida’s most significant affordable housing legislation in decades. It includes provisions allowing multifamily affordable housing by right on commercially zoned parcels and on parcels owned by religious institutions (if at least 10% of units are affordable), providing property tax exemptions for affordable rental properties, streamlining development approvals, and preempting certain local rent control ordinances. The law has generated both excitement (for its potential to unlock housing production) and concern (about displacement, community input, and design compatibility). Florida Housing Coalition has been deeply involved in Live Local Act implementation, providing:

  • Legal interpretation guidance: Clarifying which properties are eligible, what constitutes “affordable” under the statute, and how the law interacts with existing local ordinances and comprehensive plans
  • Webinars and workshops: Training local government staff and developers on application processes, compliance requirements, and best practices (November 2024 webinar recorded and available online)
  • Model implementation tools: Sample application forms, affordability verification procedures, monitoring protocols, and local process flowcharts
  • Case study documentation: Tracking and analyzing early Live Local Act projects to identify successes, challenges, and opportunities for legislative refinement
  • Advocacy: Engaging with state legislators and Florida Housing Finance Corporation to recommend technical corrections, additional resources, and complementary policies to maximize the Act’s positive impact while addressing unintended consequences

⚠️ Preemption Challenges in Florida

Florida has some of the nation’s strongest state preemption laws limiting local government authority over housing policy. Local governments cannot enact rent control (except under narrow grandfathered exceptions), mandate project labor agreements, require inclusionary housing without offering voluntary incentives, or regulate short‑term rentals beyond narrow health/safety standards. These constraints mean that local affordable housing policy must be carefully structured within allowable tools—such as incentive‑based inclusionary zoning, public land disposition policies, comprehensive plan amendments, and local trust fund allocation priorities—rather than mandates or prohibitions. Florida Housing Coalition’s Local Policy Toolkit and technical assistance help communities navigate this complex legal landscape to implement impactful policies that withstand legal challenge.


8. Community Land Trust Certification & Support

Community Land Trusts (CLTs) are nonprofit organizations that acquire and hold land in perpetuity, leasing it to homeowners or developers under long‑term (typically 99‑year) ground leases that maintain permanent affordability. The CLT model separates land ownership from building ownership, removing land cost from the purchase price and using resale formulas to preserve affordability for future buyers while allowing homeowners to build modest equity. CLTs are particularly effective in high‑cost, gentrifying neighborhoods where rising land values threaten to displace longtime residents, and in disaster‑prone areas where long‑term affordability covenants prevent post‑recovery speculation and ensure that rebuilt homes remain accessible to low‑ and moderate‑income families.

Florida Housing Coalition is the leading provider of CLT training, technical assistance, and certification in Florida. The Coalition has supported the formation of dozens of CLTs statewide and provides ongoing capacity building to help CLTs expand their portfolios, strengthen governance, access financing, and advocate for supportive public policies.

CLT Certification Program

Florida Statute 420.0007 establishes a formal Community Land Trust Certification Program administered by Florida Housing Finance Corporation, which designates qualified nonprofits as certified CLTs eligible for priority access to state funding, technical assistance, and public land. Florida Housing Coalition assists CLTs through the certification process, which requires demonstrating capacity in governance (a tripartite board representing CLT leaseholders, community members, and public interest), legal structure (articles of incorporation, bylaws, ground lease template, resale formula), programmatic capacity (homebuyer education, stewardship, resale administration), and financial management. Coalition staff help applicant CLTs draft required documents, design resale formulas that balance affordability and homeowner equity, develop board recruitment and training protocols, and prepare certification applications. Once certified, CLTs receive ongoing support through annual CLT workshops, peer learning networks, and one‑on‑one consultations on land acquisition, financing, homebuyer recruitment, and stewardship.

CLT Training & Resources

Florida Housing Coalition offers specialized CLT training at the annual Statewide Conference (full‑day pre‑conference CLT intensive), regional workshops, and custom organizational trainings for emerging and established CLTs. Training topics include CLT model fundamentals and legal structure, ground lease drafting and resale formula design, financial underwriting and subsidy layering, homebuyer recruitment and qualification, ongoing stewardship and monitoring, board governance and member engagement, advocacy for public land and funding, and scaling CLT portfolios. The Coalition has developed a comprehensive CLT Resource Library available at flhousing.org, including model ground leases, resale formula calculators, board bylaws templates, stewardship protocols, homebuyer education curricula, and case studies from Florida CLTs.

🏘️ CLT Success Story: Tallahassee‑Leon County CLT

The Tallahassee‑Leon County Community Land Trust, certified in 2019 with support from Florida Housing Coalition, has developed 40+ permanently affordable homes on CLT land acquired through donations of surplus public property, SHIP funding, and philanthropic contributions. The CLT’s resale formula limits resale prices to affordable levels while allowing sellers to recapture their down payment, mortgage principal paid, and a share of appreciation—enabling homeowners to build equity and move up without displacing the next low‑income buyer. Homeowners report increased financial stability, wealth building, and neighborhood belonging. The CLT model has proven particularly valuable in Tallahassee’s rapidly gentrifying southeast neighborhoods, where market‑rate home prices have doubled in five years.


9. Membership Benefits & How to Join

Florida Housing Coalition membership is open to organizations and individuals involved in or supportive of affordable housing in Florida. Membership unites a diverse, statewide network of local governments, community development corporations, housing authorities, private developers, architects, engineers, contractors, lenders, legal services organizations, advocacy groups, service providers, and individual practitioners. Members receive tangible benefits (discounted conference registration, free training, technical assistance access) and contribute to collective impact by strengthening the Coalition’s advocacy voice, expanding peer learning networks, and funding the organization’s mission.

Membership Categories & Fees

Florida Housing Coalition offers multiple membership categories with annual dues structured to reflect organizational capacity:

  • Individual Membership – $75/year: Perfect for professionals, advocates, students, and retirees who want to stay informed, access resources, network with peers, and receive discounted conference registration. Includes all standard member benefits except organizational listing in the member directory.
  • Nonprofit & Government Membership – $250/year: Designed for nonprofit housing developers, community development corporations, social service agencies, local government housing departments, and housing authorities. Includes two staff registrations for member‑only trainings, organizational listing in the online member directory, and priority access to technical assistance.
  • Private Sector Membership – $250/year: For for‑profit developers, architectural firms, engineering firms, construction companies, financial institutions, legal firms, consultants, and other private businesses engaged in affordable housing. Same benefits as nonprofit/government tier with recognition as a private‑sector partner supporting the Coalition’s mission.
  • Patron Membership – $500+/year: Premium tier for organizations seeking enhanced visibility and demonstrating significant commitment to affordable housing. Benefits include complimentary conference registration (one individual for $500 level, two for $1,000+ level), prominent logo placement on Coalition website and conference materials, recognition in publications and events, and enhanced networking opportunities.

All memberships operate on a unified annual cycle running January 1 – December 31; memberships purchased mid‑year are prorated. Organizations and individuals can join or renew online at flhousing.org/membership or by completing a membership application and submitting payment by check.

Member Benefits

Florida Housing Coalition members receive a comprehensive package of resources, services, and networking opportunities designed to enhance their affordable housing knowledge, effectiveness, and impact:

  • Discounted conference registration: Save $200 on annual Statewide Conference registration (member rate $395 vs. non‑member $595)—membership pays for itself if you attend the conference
  • Free and discounted training: Complimentary access to recorded webinars and online courses; discounted registration for regional workshops and specialized trainings
  • Technical assistance access: Priority scheduling for telephone consultations, email inquiries, and on‑site visits; access to member‑only resource libraries and templates
  • Member directory listing: Organizational profile in the searchable online member directory, increasing visibility and partnership opportunities
  • Publications and updates: Quarterly e‑newsletter with policy updates, funding announcements, case studies, and event calendar; periodic policy briefs and research reports
  • Networking opportunities: Invitations to member‑only receptions at conferences and events; access to regional and topical affinity groups (rural practitioners, CLT developers, housing authority staff, supportive housing providers)
  • Advocacy engagement: Opportunities to participate in legislative advocacy, provide input on policy positions, and join coordinated campaigns to defend Sadowski funding and advance affordable housing priorities
  • Job board access: Post and search affordable housing job openings on the Coalition’s online job board
  • Recognition and visibility: Member spotlight features in newsletters and social media; eligibility for Coalition awards recognizing exemplary projects and practitioners

💼 Why Organizations Join Florida Housing Coalition

Local governments join to access SHIP technical assistance, stay current on policy and regulatory changes, and learn from peer jurisdictions. Nonprofit developers join to expand capacity through training, secure consulting support for complex projects, and connect with funding sources and development partners. Private developers and consultants join to demonstrate mission alignment, network with public and nonprofit partners, and access business development opportunities. Service providers join to integrate housing into health, education, and employment strategies and participate in supportive housing initiatives. Advocates and residents join to influence policy, amplify community voices, and connect grassroots organizing with statewide movements. Collectively, members form a powerful, cross‑sector coalition capable of advancing systemic change.


10. Frequently Asked Questions (FAQ)

What is Florida Housing Coalition and what does it do?

Florida Housing Coalition is Florida’s statewide nonprofit providing training, technical assistance, and policy advocacy on all aspects of affordable housing. Founded in 1982, the Coalition operates from 10 regional offices and serves local governments, nonprofits, developers, housing authorities, and advocates throughout Florida. Core services include free SHIP technical assistance (1‑800‑677‑4548), the annual Statewide Affordable Housing Conference (500+ attendees), regional workshops and webinars, fee‑based consulting on development and policy, CLT certification and support, and publication of resources such as the Local Policy Toolkit for Affordable Housing. The Coalition’s mission is to empower communities to create safe, stable, quality affordable housing for low‑ and moderate‑income Floridians.

Who can join Florida Housing Coalition?

Membership is open to any organization or individual involved in or supportive of affordable housing in Florida. Members include local governments, nonprofits, housing authorities, private developers, architects, engineers, contractors, lenders, attorneys, consultants, service providers, advocates, students, and retirees. Individual membership is $75/year; organizational memberships range from $250–$500+ depending on sector and level of support. All members receive discounted conference registration, access to training and resources, technical assistance priority, and networking opportunities. Join online at flhousing.org/membership.

When and where is the 2026 Statewide Affordable Housing Conference?

The 39th Annual Statewide Affordable Housing Conference will be held August 24‑26, 2026 at the Rosen Centre Hotel in Orlando, Florida. The conference features 60+ workshops, keynote plenaries, networking events, an exhibit hall, pre‑conference intensive trainings (August 23), and one‑on‑one consultations with Coalition staff. Early‑bird registration (available through June) is $395 for members and $595 for non‑members; scholarships are available for nonprofit staff and residents with lived experience. Full details, registration, and hotel information: conference.flhousing.org.

How can I access free SHIP technical assistance?

All 123 SHIP‑participating jurisdictions and Florida Housing Coalition members receive unlimited free telephone and email technical assistance Monday–Friday, 9 AM – 5 PM ET. Call 1‑800‑677‑4548 or email info@flhousing.org with your question and contact information; staff typically respond within one business day. Technical assistance covers SHIP‑eligible activities, income targeting, underwriting, procurement, compliance, monitoring, reporting, and more. For more complex needs, the Coalition offers fee‑based consulting including on‑site visits, program reviews, policy drafting, and organizational capacity assessments—contact info@flhousing.org to discuss.

What is the Local Policy Toolkit and how can my community use it?

The Local Policy Toolkit for Affordable Housing (released December 2025) is a comprehensive guide for local governments and advocates to expand affordable housing through local policy reforms within Florida’s preemption constraints. It includes model ordinance language, implementation guides, case studies, and political strategy for tools such as inclusionary housing, ADU reforms, affordable housing trust funds, CLT support, overlay zones, surplus land disposition, fee waivers, and expedited permitting. The Toolkit is available as a free download at flhousing.org. Florida Housing Coalition offers webinars, workshops, and one‑on‑one consultations to help communities adapt and implement Toolkit strategies—contact info@flhousing.org to schedule support.

Does Florida Housing Coalition develop affordable housing directly?

No. Florida Housing Coalition does not own, develop, or manage affordable housing properties. The Coalition is a capacity‑building, training, and technical assistance organization that supports the people and organizations that do develop housing—local governments, nonprofits, housing authorities, and private developers. If you are seeking affordable housing to rent or buy, contact your local SHIP administrator (typically your county or city housing/community development department) or your local housing authority. If you are experiencing homelessness or at risk of eviction, call 211 to be connected with emergency assistance and shelter resources. Florida Housing Coalition can help connect you to appropriate local resources; call 1‑800‑677‑4548.

What is a Community Land Trust and how do I start one in my community?

A Community Land Trust (CLT) is a nonprofit that owns land and leases it long‑term to homeowners or developers, using resale formulas to maintain permanent affordability while allowing homeowners to build modest equity. CLTs are effective in high‑cost areas, gentrifying neighborhoods, and disaster‑recovery contexts. Florida Housing Coalition provides comprehensive CLT support including formation assistance, legal document templates, board training, certification application support, and ongoing stewardship guidance. Starting a CLT typically requires a core group of committed stakeholders, legal/nonprofit structure, tripartite board, ground lease template, resale formula, and a plan for land acquisition and financing. To explore starting a CLT in your community, attend the CLT pre‑conference intensive at the annual conference or contact Florida Housing Coalition at info@flhousing.org to schedule a consultation.

How does Florida Housing Coalition support disaster recovery housing?

Florida Housing Coalition provides disaster recovery planning and implementation support before, during, and after hurricanes, floods, and other disasters. Pre‑disaster services include resilience assessments, continuity of operations planning, and staff training on federal disaster programs (CDBG‑DR, FEMA Public Assistance). Post‑disaster services include rapid needs assessments, CDBG‑DR program design and administration, mitigation and reconstruction strategies, and ensuring that recovery efforts prioritize affordable housing and do not displace low‑income residents. The Coalition has delivered disaster recovery training and technical assistance following Hurricanes Michael (2018), Irma (2017), and numerous other events. For disaster recovery support, contact the Coalition at info@flhousing.org or 1‑800‑677‑4548.

What training and professional development opportunities does Florida Housing Coalition offer?

Florida Housing Coalition offers the most comprehensive affordable housing training curriculum in Florida: the annual Statewide Conference (500+ attendees, 60+ workshops, Aug 24‑26, 2026, Orlando), regional workshops hosted in communities statewide on topics such as SHIP administration, tax credit finance, CLTs, fair housing, and more, monthly webinars on emerging topics and policy updates (recorded and posted online at flhousingcoalition.thinkific.com), pre‑conference intensive full‑day deep dives on specialized topics (Aug 23, 2026), online learning platform with self‑paced courses and certificate programs, and custom organizational training for specific agencies or coalitions. Members receive discounted or complimentary access to most training; scholarships are available for nonprofit staff and residents. Full training calendar: flhousing.org/home/events.

How is Florida Housing Coalition funded?

Florida Housing Coalition is funded through a diversified revenue model including: a contract with Florida Housing Finance Corporation to administer the Affordable Housing Catalyst Program (SHIP technical assistance), membership dues from 900+ organizational and individual members, conference and workshop registration fees, fee‑based consulting services for development planning, policy design, and organizational capacity building, and philanthropic grants from foundations supporting affordable housing, community development, and policy reform. The Coalition does not receive general appropriations from the state legislature and operates as an independent 501(c)(3) nonprofit. This funding diversity ensures organizational sustainability and independence in advocacy positions.

How does Florida Housing Coalition coordinate with other housing organizations?

Florida Housing Coalition collaborates extensively with allied organizations at state, regional, and national levels. Key partners include: Florida Housing Finance Corporation (state housing finance agency; Coalition administers SHIP Catalyst Program under contract), Florida Supportive Housing Coalition (sister organization focused on housing + services for people experiencing homelessness and disabilities), Shimberg Center for Housing Studies at University of Florida (research and data analysis), 1000 Friends of Florida (smart growth and land‑use advocacy), Florida REALTORS® and Florida Home Builders Association (industry partners), local Continuum of Care coalitions statewide (coordinated homeless services), and national networks such as Grounded Solutions Network (CLT support), Housing Assistance Council (rural housing), and National Low Income Housing Coalition (federal policy advocacy). These partnerships amplify impact, avoid duplication, and ensure that Florida affordable housing stakeholders speak with a unified, strategic voice. For more Florida resources, see residentactionproject.org/florida.

What is the Live Local Act and how does Florida Housing Coalition support implementation?

The Live Local Act (2023, amended 2025) is Florida legislation allowing multifamily affordable housing by right on commercially zoned land and religious institution properties (if 10%+ units are affordable), providing property tax exemptions for affordable rentals, and streamlining approvals. The law aims to unlock housing production but has raised questions about local control, displacement, and design compatibility. Florida Housing Coalition provides Live Local Act implementation support through webinars and workshops (recorded November 2024 session available online), legal interpretation guidance and model implementation documents, case study tracking and analysis of early projects, and advocacy for technical corrections and complementary policies. For Live Local Act resources and upcoming trainings, visit flhousing.org/live-local-act or contact info@flhousing.org.

How can I contact Florida Housing Coalition?

Florida Housing Coalition maintains offices throughout Florida / statewide staff; contact information for specific regions and program areas is available at flhousing.org/coalition-staff. For general inquiries, membership questions, conference registration, training schedules, or technical assistance requests, contact the statewide office: Phone: 1‑800‑677‑4548 (Monday–Friday, 9 AM – 5 PM ET) | Email: info@flhousing.org | Website: flhousing.org | Mailing Address: 1367 E Lafayette St, Suite C, Tallahassee, FL 32301. Follow Florida Housing Coalition on social media for news, events, and resources: Facebook, Twitter/X, LinkedIn, and YouTube.


🔑 Key Takeaways

  • Florida Housing Coalition is Florida’s premier statewide nonprofit for affordable housing training, technical assistance, and policy advocacy—serving all 67 counties from 10 regional offices since 1982.
  • The Coalition administers the Affordable Housing Catalyst Program, providing free SHIP technical assistance to 123 jurisdictions (call 1‑800‑677‑4548 or email info@flhousing.org).
  • The 39th Annual Statewide Affordable Housing Conference (Aug 24‑26, 2026, Orlando) is Florida’s largest housing convening with 500+ professionals, 60+ workshops, and unparalleled networking.
  • The Local Policy Toolkit for Affordable Housing (December 2025) equips local governments and advocates with model ordinances, case studies, and implementation guides for inclusionary zoning, ADUs, trust funds, CLTs, and more—free download at flhousing.org.
  • Florida Housing Coalition certifies and supports Community Land Trusts statewide, providing formation assistance, legal templates, board training, and ongoing stewardship guidance to create permanently affordable homeownership.
  • Membership ($75 individual / $250+ organizational) provides discounted conference registration (saving $200), free training access, technical assistance priority, networking opportunities, and policy engagement.
  • The Coalition’s work is deeply collaborative, partnering with Florida Housing Finance Corporation, Florida Supportive Housing Coalition, local governments, nonprofits, developers, and national networks to maximize collective impact.
  • Florida Housing Coalition does not develop housing directly—it builds the capacity of the organizations and people who do through expert training, practical technical assistance, and strategic policy advocacy.

⚖️ Final Disclaimer

This comprehensive guide is provided for informational and educational purposes only. It does not constitute legal, financial, or professional advice. Affordable housing programs, policies, funding amounts, eligibility criteria, and regulations change frequently due to legislative action, administrative rule‑making, and budget appropriations. Always verify current information directly with Florida Housing Coalition at flhousing.org, by calling 1‑800‑677‑4548, or by consulting with qualified legal, financial, or housing professionals before making decisions or taking action. Neither the author, publisher, nor Florida Housing Coalition assumes any liability for actions taken based on the information presented in this guide.

Ready to Advance Affordable Housing in Florida?

Join Florida Housing Coalition, register for the 2026 conference, access free resources, or schedule technical assistance.

📞 1‑800‑677‑4548 | ✉️ info@flhousing.org | 🌐 flhousing.org

For additional Florida affordable housing resources, visit Resident Action Project – Florida

Leave a Reply

Your email address will not be published. Required fields are marked *