4 Texas roof replacement grant programs

Author: Housing Editors

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In Texas there are 4 government roof replacement grant programs and over 40 local organizations. You’ll find them below, along with their description, how the programs work plus where to apply and get more information.


Updated:  April 12, 2024


Texas programs to help pay for roof repair or a new roof


There are a few official government programs available for roof replacement.


Common roofs problems

Texas PACE

Weatherization Assistance Program

Texas rural residents (USDA)

Counties and cities programs

Roof  incentives: Tax Credits


Each program provides funding their own ways, target different groups of homeowners and help you fund roof replacement in various ways. It’s important to know, there’s no program only for roof replacement.


Each program usually allow you to update or repair many part of your home, including roofs.


Roof replacement programs eligibility

Roof programs eligibility varies based on income and where you live. You can start with this table as reference: 
  Cities & Suburbs Rural
Low income PACE, WAPTax credits, cities & counties. USDA, PACETax Credits, WAP, cities & counties,

Medium/High income

PACE, Tax credits, Traditional loans,. USDA, PACETax credits, Traditional loans.

Important reminder: Programs such as Weatherization, and city or county assistance programs determine eligibility based on the median income in your area. This means that even if you have a moderate income, you might qualify for these programs if you live in a wealthier area. In other words, it’s better to verify your edibility with each programs first before thinking you won’t be able to receive funding for roofs.


Commong roofs problems in Texas


Texas climate is not easy on home roofs. The heat and sun, hail storms and high winds frequently reduce their lifespans. Many homeowners are then surprised with unexpected roof costs.

  • Asphalt shingles: Asphalt shingles are the most affordable. However, the intense heat shortens their lifespan to around 15-20 years in Texas compared to the national average (20-30 years), leading to more frequent replacements and higher overall costs. Their vulnerability to hail, common in Texas, can also lead to unexpected repair or replacement expenses.
  • Metal roofs: Metal roofs excel in the Texas climate. Their reflective surface can reduces cooling costs, and they withstands hail storms much better than asphalt. They can last 40-70 years in Texas, equal to national average but cost more than other types. This translates to significant savings over time due to fewer replacements and less hail damage compared to asphalt shingles.
  • Clay & concrete tiles: Tile roofs boast great longevity, can last 50-100 years in Texas, similar to the national average. Their great lifespan minimizes long-term costs. However, their higher weight often necessitate structural reinforcement for your home, adding to the initial expense. Additionally, improper installation or maintenance can lead to cracking during strong Texas winds, resulting in expensive repairs.
  • Composite slate/shake: Composite slate or shake are affordable but they are less durable than metal or tile, particularly in the high winds of Texas. Intense sun can also accelerate fading. Their lifespan is around 30-50 years in Texas, similar to the national average. They’re also more susceptible to wind damage in Texas, potentially leading to additional repair or replacement costs.

Texas PACE Program


The Texas PACE Program (Property Assessed Clean Energy) help homeowners in multi family residential properties (5+ units) to finance up to 100% energy-efficient improvement, including roof replacement, by offering financing options that are repaid through your property taxes.

Pace fixed rates: ~6%
Credit Score: No minimum credit score and pre-payment penalties.
Time to decision:  Pre-approval after the project assessment.
Coverage: Offered in some Texas cities and counties.
Projects: Windows, Doors, Shutters, Roof, Gutters, Generators, Pool pumps, Garage doors, HVAC, Solar Panels, Water Heaters, Electric car chargers.

Eligibility: You must own your home. No bankruptcy. Not behind on your mortgage and property taxes.


Weatherization Assistance Program (WAP) (40+ resources)


What is WAP?


WAP is a Federal program from the Department of Energy. In Texas, WAP aims to reduce energy costs for homeowners, and one of the measures is roof replacement by improving its coating. You can learn more about eligibility and apply for the Texas roof replacement program, contact 1 of the 40 local WAP organizations.


Who is WAP for?


The program target low-income families, including the elderly and disabled, by making their homes more energy-efficient.


What else WAP can do for your home?


It can help replace or fix the following:

  • – Roof repair or replacement by adding a new roof coating with a membrane. Important: not all local organisations provide roof replacement so verify with yours to see if they can help seal your roof.
  • – Air infiltration with weather stripping, caulking, thresholds, minor repairs to walls, ceilings and floors, and doors and windows replacement.
  • – Install attic and floor insulation.
  • – Install attic ventilation.
  • – Apply solar reflective coating to manufactured homes.
  • – Install solar screens.
  • – Repair or replace inefficient heating and cooling units.
  • – Repair or replace water heaters

Find more details here.


Where can I apply?


You can contact your local WAP organization.


Cities & Counties Roof Replacement Programs (many programs)


Most cities and counties’ housing departments provide home rehab/repair or home improvement program that help low income homeowner fix or replace their roof.


We recommend you contact either your local Housing Department or Community Development Department to learn about their program(s) and eligibility.


You can also start by review cities, counties and local resources already listed in our Texas funding resources page.


Texas Rural residents (1 program)


This USDA program provides, among other things, government loans for roof replacement, and grants to very-low-income rural homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards. Roof replacement are part of this program.


Contact your local USDA office for more details for roof replacement program.


How much money can I get?

  • – Maximum loan is $40,000
  • – Maximum grant is $10,000
  • – Loans and grants can be combined.

More details here


Contact your local USDA office


Roof Replacement Incentives: Tax Credit (1 program)

There’s a tax credits that are making roof replacement work more affordable in Texas these days.  

Federal Tax Credit for Roofs


The Federal Inflation Reduction Act gives Texas homeowners tax credits when you update part of your home for energy efficiency. Many parts of your home are covered by this program and some roof replacement work are part of this tax credit


What’s covered and what are the tax credits?


Homeowners can claim 30% of the cost associated with the follow renovations (some roofing work are included):

Windows and skylights: Credit max of $600
Exterior doors: Credit max of $500 ($250 per door)
Electric panel upgrades: Credit max of $600
Air source heat pumps: Credit max of $2,000
Heat pump water heaters: Credit max of $2,000
Central air conditioners: Credit max of $600
Insulation (ceilings/roof): Credit max of $1,200
Certified energy audit: Credit max of $150

Frequent Questions: Roof Replacement Programs 


Is there free roof replacement grant for seniors?


There’s no specific roof replacement program for seniors only. Seniors can apply to all programs found on in this page.


Is there free roof replacement program Texas?


How to get a free roof in Texas? While some programs are free, not all of them let you have a free roof. It is recommended you verify with each programs for your situation to be 100% certain.


What is the roof and attic insulation rebates in Texas?


Most utilities will offer you rebates when you upgrade or add insulation to your roof (or attic) which will help you save on your cooling cost and save electricity.


Call or visit your utility site because all offer energy rebates for roof or attic insulation.



AEP Texas


Centerpoint Energy


Call or visit your utility site to see if they offer rebates for window replacement.