Frontier Housing, Inc.

Frontier Housing, Inc., a tax-exempt nonprofit based in Morehead, Kentucky, operates as a federal grant recipient delivering affordable housing development, lead hazard remediation, brownfield site cleanup, and community development financial services to low-income populations across Appalachian Kentucky and rural communities nationwide. The organization serves as both a prime recipient (52% of recent awards) and a sub-recipient (48%) under federal housing, environmental, and community development programs, with no federal contracts in its footprint.

Frontier Housing's capability portfolio centers on residential construction and rehabilitation for low-income families, environmental remediation, and financial services capacity building. Representative prime grants include a $1.4 million HUD Lead Hazard Reduction Grant (CFDA 14.900) awarded April 15, 2024, to identify and control lead-based paint hazards in privately-owned low-income housing through inspections, risk assessments, interim controls, and abatement activities in Frontier Housing's service area; a $2.0 million EPA Brownfields Cooperative Agreement (July 1, 2023, through October 1, 2027) to remediate the Haywood Hospital brownfield site in Maysville, Kentucky, including environmental assessments, community involvement planning, and quarterly reporting; a Community Development Financial Institutions Fund (CDFI) Project Grant (September 26, 2024, through March 31, 2028) to expand lending and financial services capacity for low-income communities and individuals; and a CDFI Economic Resilience Program (CDFI ERP) award (April 10, 2023, through March 31, 2029) to support organizational capacity building and technology acquisition in response to COVID-19 economic impacts. As a sub-recipient, Frontier Housing receives housing development and energy retrofit funding from Kentucky Housing Corporation and the Neighborhood Reinvestment Corporation to produce new affordable homes (including twelve-unit production awards in multiple service areas across Eastern Kentucky's thirteen and twenty-two-county regions) and to provide home repairs for low-income older adults.

The Department of the Treasury's Community Development Financial Institutions Fund dominates Frontier Housing's prime award footprint (six awards), followed by the Department of Energy (three awards, routed through Kentucky Housing Corporation for energy retrofits), the Department of Agriculture Rural Housing Service (two prime awards and multiple sub-awards), the EPA Region 4, and HUD. Combined obligated dollars across all awards total $12.3 million over a twenty-year award history, with activity concentrated in the past three years (seven awards in 2024, five in 2025). Two awards face ultimate completion within the next twenty-four months. Frontier Housing's federal grant work is highly localized to Eastern Kentucky's rural service area, with capacity-building focus on CDFI lending to underserved low-income populations and direct housing production and remediation work in persistent-poverty counties.