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90+ Arizona Home Improvement Grants & Programs

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Arizona has over 90 official home improvement grants, repairs grants, programs and local resources available to low income homeowner families and individuals (most programs are based on income). This article provides you with all the main home repair programs offered throughout the state in 2024.

 

Updated: May 22, 2024

 
 

We know budgeting for home repairs can be tough. The Homeowners Repair Survey found many Arizona homeowners share the same concerns. 1/3 have to postpone big repairs and almost have to delay for financial reasons:

 
  • – 34% of Arizona homeowners have to delay repairs.
  • – 44% of homeowners postpone repairs for financial reasons.
 

So you’re not clearly alone. The programs below will help you find those funds to repair your home.

 
 

Who provide home improvement grants in Arizona?

 

There are 4 main sources of financial assistance for home improvement and repair in Arizona:

 
  1. 1- Federal Programs : HUD (Housing and Urban Development) is the Federal housing agency providing programs and funds to the State, its Counties and Cities.
  2. 2- State of Arizona : Arizona’s Department of Housing.
  3. 3- Community organizations: Many offer help for home repair, improvement and home modification.
  4. 4- Counties and cities programs : are the organizations offering funds and programs to help AZ homeowners with home repair, home rehabilitation and home improvement with $80M.
  5. 5- Rural programs: are for people living outside of a major city in a rural area and are offered by the USDA with $465,000 for home repairs.
 

You can review the Federal and the State of Arizona home repair grants but ultimately your county and city are the ones you need to contact and where you apply for funding.

 
 
 

Who is eligible for government home improvement grant?

 

Every homeowner is eligible for home improvement and repairs grants and assistance in Arizona (find them all in this article). In reality, because the needs are so big, some groups like seniors, veterans, disabled and low-income households are given priority. Even in those cases, you need to apply as soon as possible because funds are limited.

 

So it’s often first arrived on a first served basis: apply early.

 

Each programs have their own eligibility, so you need to verify with programs in your area to see info you meet the income eligibility level.

 
 
 

Which home improvement & repair are eligible?

 

In general, in Arizona repair and improvement help with:

 
  • – Ensure your home does not harm the residents’ health.
  • – Ensure your home structure is sound and may not hurt its resident.
  • – Help seniors and disabled residents stay in their homes longer and safer.
 

More precisely the following work and repair are usually covered by home improvement grants programs:

 
  • Roof: Government grants for free roof replacement or repair. Also our Guide to Roof Repairs.
  • Windows & doors: NJ window replacement program info is right below. We have also a Windows Replacement Guide.
  • Foundations: Foundation repair grants and programs usually covers home foundation repairs.
  • Electrical & plumbing : Grants for electrical repair and plumbing assistance repairs are covered as long as they bring your home electrical and plumbing up to the local code.
  • Heating & cooling: Some States and Counties have heating grants and cooling programs to bring your system up to living standards.
  • Lead paints & pipes plus asbestos: Most programs cover the removal and change of lead and asbestos materials dangerous to your health.
  • Sewers and water line: Most home improvement grant programs cover funds to have your home connected to your town water and sewer system and in other cases to your well or septic tank.
  • Home structure: In some cases, if your home structure is no longer safe, programs will help with fixing the home structural problems. Note: in some cases the cost may be too high to fix and another program can help get a new one.
  • Home remodeling: In some cases a home can be remodeled if they need major repairs as long as the cost is not prohibitive. Since the total amount vary by program you have to verify on this page for programs in your area.
  • Bathroom remodeling: Some programs let you remodel a bathroom in order to bring them to sanitary and health standard.
  • Home modifications for seniors: There are multiple programs to modify seniors’ homes to help them living longer independently at home. Common modification are ramps, handle bars, bathrooms modification and kitchen are adaptations. You can find those resources in our resource for senior home modifications.
 
 
 

Confused about home improvement programs terms?

 

It can be confusing to understand the terms. Lots of different organizations have different words for the same type of help programs: home improvement grant, home repair grants, programs, free grants, relief service, repair assistance, etc. They are all synonyms of programs designed to help low and moderate income homeowners repair and fix important element of their house.

 
 
 

What are the types of home improvement help in Arizona?

 
 

Home repair programs comes in many form but they are usually in the 5 types:

 

Home Repair Grants & Home Improvement Grants: Typically grants don’t need to be repaid. The organization providing the funding covers the cost of the work and you don’t pay anything back.

 

Volunteers and charities home repairs: Some organizations rely on volunteers to repair your home so there’s no cost to you.

 

Home improvement loans: These are traditional loans where you have to repay a fixed amount monthly but they are usually with a lower than normal interest rate.

 

Home improvement loans paid at term: It’s a traditional loan paid back in full only when you leave or sell your home. This means you have nothing to pay monthly. The organization offering these loans usually takes a lien on your home to be certain to be paid in the future.

 

Forgivable home improvement loans: It’s a traditional loan but you do have to pay it back monthly. Instead after a few years the organization forgives your loan.

 

Note: In some rare cases you may find yourself with a mix of the types above. In all cases the important thing is you get help to fix your home and keep it secured and a place for you to live in a safe and healthy home.

 
 
 

HUD (Urban Housing Department)

 

HUD is the federal agency funding the Arizona’s Housing agencies, Counties and Cities. HUD have many programs from home buyer help, renter help, homeowners funding among many for home repairs and improvements.

 

2 loans programs helps people renovate, rehabilitate or improve their home (mobile homes included). Both are loan insurances for Arizona’s homeowners who couldn’t otherwise get a loan:

 

Rehabilitation and repair loan (insurance): Known as “Title I Property Improvement Loan Program”, it helps you if you have not enough equity for a traditional loan, and the FHA (part of HUD) insure your loan for your lender.

 
  • – House Loan amount limit: $25,000
  • – Mobile home Loan amount limit: $25,090
 

203(k) Rehabilitation Mortgage Insurance: This a special FHA loan that allows you to finance both the purchase or refinancing of a house and the cost of renovations into a single mortgage. 

 
  • – Limited 203k loan: Projects less than $35,000.
  • – Standard 203k loan: Projects over $35,000.
 

In both Tittle 1 and 203(k), the money for the renovations is put in an escrow account and is only released to the contractor when the work is completed and inspected by a qualified professional. This helps ensure that the renovations are done properly and that the money is used for its intended purpose. It protects both the lender and you the homeowner.

 
 
 
 

Arizona Department of Housing (2 programs)

 

The State of Arizona have 2 programs helping homeowners:

 

Home Emergency Repairs

Home Rehabilitation

 

Both programs are not offered directly to residents. You can find below with your local community organization and county or city if they provide 1 or both programs.

 
 
 
 

Statewide organizations (50 Programs & Resources)

 
 
 
 

Community Action Agencies of Arizona (CAA) (35 resources)

 

These 35 non profits located throughout Arizona offer many services to their residents area. One is often home repair assistance programs for low and moderate income homeowners.

 

Find your area agency by looking in this page. Then contact your closest agency to see the programs they have for homeowners like you.

 
 

Habitat for Humanity (8 programs)

 

With 8 local organizations in Arizona and its volunteers, Habitat provide help to low income, disable and elderly homeowners to fix their home. Find and contact your local Habitat organization in Arizona.

 
 

Habitat ReStores (5 resources)

ReStores provide discounted used and surplus building materials, plus appliances and furniture in 4 locations in Arizona:  Peoria, Phoenix, West Phoenix, Prescott and Tempe.

 
 

Rebuilding Together (2 resources)

RT helps homeowners in need repair or modify their home and be able to live safely in it much longer. RT have 2 local chapters in Santa Cruz County  and the Valley of the Sun.

 

 
 
 

Veteran Affair (1 program)

 

Home improvement & modification: Program provides medically necessary improvements and structural alterations to Veterans/Service members’ primary residence for $6,800.

 

Work purposes:

– Allowing entrance to or exit from the primary residence
– Use of essential lavatory and sanitary facilities (e.g. roll in showers)
– Allowing accessibility to kitchen or bathroom sinks or counters (e.g. lowering counters/sinks)
– Improving entrance paths or driveways in immediate area of the home to facilitate access to the home through construction of permanent ramping
– Improving plumbing or electrical systems made necessary due to installation of home medical equipment

 

Find more details and how to apply

 
 
 
 

Arizona’s WAP & LIHEAP (2 programs)

 
 

WAP: Weatherization Assistant Program (WAP) is funded by the Federal but managed locally. It helps improve or change windows for energy efficient ones at no cost. It also pay for attic insulation and ventilation, repair or replace broken heating, cooling and water heaters, as well as many other small work to improve your home’s energy efficiency.

 
WAP spent per home (average)
  Spent per Home Homes Weatherized Budget
Arizona

$8,006

3,483 $38M
Source: State of Arizona
 
 

Types of assistance:

  1. – Address air infiltration with weather stripping, caulking, thresholds, minor repairs to walls, ceilings and floors, and window and door replacement
  2. – Install attic and floor insulation.
  3. – Install attic ventilation.
  4. – Apply solar reflective coating to manufactured homes.
  5. – Install solar screens.
  6. – Repair or replace inefficient heating and cooling units.
  7. – Repair or replace water heaters.
 
 

Find the program detail and find your county organization managing the local WAP program.

 
 
 

LIHEAP: This program is mostly to help pay your heating and cooling cost but it some cases it may also help fix, repair or replace broken windows for energy efficient ones.

 

Find more info about the program eligibility and apply online.

 
 
 
 

Arizona Disaster Recovery (many programs)

 

If you have been in a natural disaster such as fires, flooding, severe storms, you may qualify for some of Arizona’s Department of Homeland Security disaster programs.

 

If your area of Arizona is declared a Federal disaster area (you can verify here), FEMA can then be able to provide help with many programs.

These homeowners repair programs exist for a long duration after a natural disaster happened and they help repair homes after a natural disaster.

 
 
 

Windows Replacement  (4 programs)

 

We have a specific resource explaining window replacement programs in Arizona.

 
 
 

Arizona Rural Residents (1 program)

 

The USDA provide home improvement loans and government grants to low-income homeowners in Arizona’s rural areas.

 

AZ homeowner amounts:

Grant (average): $8,200

Loan (average):   $6,800

 

Who may apply for this program? To qualify, you must:

 
  1. – Be the homeowner and occupy the house.
  2. – Be unable to obtain affordable credit elsewhere.
  3. – Have a family income below 50 percent of the area median income.
  4. – For grants, be age 62 or older and not be able to repay a repair loan.
 

What is an eligible area?

Applicants may check the address of their home to determine eligibility.

 

How may funds be used?

Loans may be used to repair, improve or modernize housing or remove health and safety hazards.

Grants must be used to remove health and safety hazards.

 

How much money can I get?

  1. – Maximum loan is $40,000
  2. – Maximum grant is $10,000
  3. – Loans and grants can be combined for up to $50,000 in payment assistance
 

What are the terms of the loan or grant?

  1. – Loans can be repaid over 20 years
  2. – Loan interest rate is fixed at 1%
  3. – Full title service is required for loans of $7,500 or more
  4. – Grants have a lifetime limit of $7,500
  5. – Grants must be repaid if the property is sold in less than 3 years
  6. – If applicants can repay part, but not all of the costs, applicants may be offered a loan and grant combination
 

Is there a deadline to apply?

Applications for this program are accepted through your local USDA’s RD office all year round.

 

How long does an application take?

Approval times depend on funds availability in your area.

 
 
 
 

Seniors and Elderly Help for Home Repairs (many programs)

 

There are official elderly home repair assistance in Arizona but they are not only for seniors. Seniors, just like all New Arizonians, are eligible to the same home improvement programs listed on this page.

You can also contact your local Area Agency on Aging to find local programs for seniors home repairs and home modifications.

 

You can also find home modification programs for seniors

 
 
 
 
 

Arizona’s Counties and Cities Programs (28 programs)

 

Arizona counties have approved home repair and government grant programs and most major cities also have similar help for homeowners. Cities and counties received over $80M ($55M CDGB + $25M HOME) last fiscal year to help homeowners with various programs.

 

If you don’t see your county or city below you should contact it directly and ask them if the city have a home repair program.

 
 
 

Maricopa County (2 programs)

 

Emergency Home Repair: Program helps eligible County homeowners within the service area repair health and safety concerns in their residence, including non-functioning air conditioning and heating systems.

 

Home Rehabilitation: The program assist income-eligible, owner-occupied homes in need of rehabilitation to ensure homes are healthy and safe to occupy.

 

Both programs information here

 
 
 

Chandler city (3 programs)

 

Emergency Repair: Program provides a grant, up to $10,000, for minor home improvements to single-family owner-occupied homes, condos, and townhouses. Homeowners must qualify as having low- to moderate-household income.

 

Examples of repairs:

 
  • – Replacement and/or repair of HVAC
  • – Roofing
  • – Plumbing and electrical
  • – Broken glass
  • – Inoperable doors and windows
  • – Other work approved by city staff
 

More information

 

Exterior Home Improvement: The program offers low and moderate-income a forgivable loan of up to $20,000 over 5 years to assist in making necessary improvements to the exterior of the home.

 

Possible work:

 
  • – Replacement and/or repair of windows/exterior doors
  • – Roofs
  • – Exterior painting
  • – Fence/walls
  • – Stucco
  • – Front yard landscaping
  • – Security doors
  • – Concrete drives
  • – Pool fence
  • – Front porch lighting
  • – Weatherization
  • – Other work approved
 

More information

 

Home Modifications: Program offers a grant of up to $10,000 for home modifications for low to moderate-income persons with disabilities to modify their homes so they can continue to live safely and comfortably.

 

Eligible improvements:

 
  • – Widening doorways to accommodate wheelchairs
  • – Installation of wheelchair ramps
  • – Grab bars and railings
  • – Door hardware
  • – Modifications to showers, sinks, and toilets
  • – Abatement of lead-based paint
  • – Other work approved
 

More information

 
 
 

Gilbert town (2 programs)

 

Emergency and Minor Home Repair: Program offers repair funding to income-eligible Gilbert homeowners for health or safety-related home repairs.

 

Examples of repairs include:

 
  • – Heating and cooling
  • – Electrical
  • – Plumbing
  • – Glass repair
  • – Roof leaks
  • – ADA modifications
  • – Lox box installation
 

More information

 

Roofing Repair/Replacement: The program assists homeowners with extensive and costly roofing repairs or replacements that are beyond normal minor repairs. Projects have a monetary cap of $10,500, and homeowners would be responsible for incurring any costs over that amount.

 

More information

 
 
 
 
 

Scottsdale city (1 program)

 

EMERGENCY REPAIR: Program provides assistance through a grant to address household repairs that affect the immediate livability of the home. Repairs are limited and assistance is based on priority of emergency. The maximum grant is $10,000 per household per year.

 

Accessibility modifications needed for the elderly and disabled are also eligible under this program.

 

Eligible repairs:

 
  • – Heating/Cooling systems
  • – Plumbing systems
  • – Water heaters
  • – Defective sewer line
  • – Leaking water and gas lines
  • – Electrical systems
  • – Roofing
  • – Carpentry
  • – Appliances
  • – Accessibility modifications
 

More information

 
 

Surprise city (1 program)

 

Housing Rehabilitation: The program assists income-eligible, owner-occupied homes in need of rehabilitation to ensure homes are healthy and safe to occupy. These programs are also available to income-eligible homeowners with disabilities and/or seniors who need modifications to their residence to improve accessibility and safety.

 

More information

 
 

Tempe city (1 program)

 

Emergency Home Repair: Program is for eligible low-income homeowners to eliminate immediate threats to their health and safety. Up to $18,000 is available in grant assistance and there is no obligation to repay the funds.

 

Eligible repairs (among others):

 
  • – Air conditioning or heating
  • – Roofs
  • – Plumbing and electrical systems
  • – Non-functioning bathrooms
 

More information

 
 
 

Pima County (1 program)

 

HOME REPAIR ASSISTANCE: Program goals include improving living conditions, eliminating health and safety hazards, bringing major systems up to Code, improving home functionality and energy efficiency.

 

More information

 
 
 

Tucson city (2 programs)

 

Housing Repair: Program offers up to $10,000.00 in the form of a grant. Rehabilitation projects up to $20,000 will have a recorded 10 year Lien for the amount over $10,000.

 

Eligible work:

 
  • – Leaking Roof Repairs and/or Replacement
  • – Electrical
  • – Sewer Line
  • – Gas Leak
  • – Replacement of Existing Furnace or Cooling System
  • – Water Heater Replacement and/or installations
  • – Structural
  • – Water Leak: In piping between the water meter and any fixtures
  • – Doors: Repair and/or installation of front and rear doors and lights
  • – Special Conditions – All other emergencies threatening to life or health of the occupants not covered above
 

More information

 
 

Lead Hazard Reduction: Program provides lead hazards detection in eligible properties, and once found, every effort will be made to remove the identified lead hazard. This may require some housing rehabilitation services, such as painting, windows, doors, floor covering, stucco work, soil covering, and other necessary remediation work up to $20,000.

 

More information

 
 
 

Pinal County (2 programs)

 

OWNER-OCCUPIED HOUSING REHABILITATION: The program assists low-income homeowners with the repair, rehabilitation, or reconstruction of housing in which they reside. Rehabilitation includes the alteration, improvement, or modification of an existing structure.

 

More information

 
 

Home Repair & Modification: The program provides modifications (like ramps or grab bars), structural repairs, and/or modifications to the client’s home for the purpose of maintaining safety and independence.

 

Eligibility:

 
  • – At least 60 years of age
  • – Disabled, 18-59 years old, and have a physician-diagnosed physical or mental impairment that substantially limits your ability to perform activities of daily living.
 

More information

 
 

Verde Valley Habitat For Humanity (1 program)

 

Critical Home Repair: The program is for qualified Veterans, Seniors, and Low-income families to help with their critical repair needs. Currently, Habitat is only working on exterior home repairs and wheelchair ramps.

 

More information

 
 
 

Yavapai County (1 program)

 

NACOG

This organization provide a housing rehabilitation program for the county residents.

More information

 
 

Peoria city (2 programs)

 

Emergency Home Repair: The program is administered by Habitat for Humanity. It provides emergency home repairs to low/moderate-income homeowners. Repairs up to a lifetime maximum of $20,000 (Manufactured homes are limited to a maximum of $5,000) are provided at no cost to assist eligible residents to maintain safe and functional owner-occupied housing.

 

Examples of repairs:

 
  • – Air conditioner or heating repair or replacement
  • – Plumbing or electrical repairs
  • – Roof repairs
  • – Repairs to stairs, windows, porches, etc. (for safety purposes)
 

More information

 

Single Family Major Rehabilitation: The program assists eligible homeowners with comprehensive repairs to provide a safe home that is in compliance with all adopted City Codes. Assistance is a one-time, lifetime assistance to an individual, family, household, and property. Each dwelling will have a minimum investment of $20,001.

 

Examples of work:

 
  • – Plumbing
  • – Electrical
  • – Roofing
  • – Cooling/Heating
  • – Flooring
  • – Total reconstruction of the property
 

More information

 
 
 

Mohave County (1 program)

 

Owner-Occupied Housing Rehabilitation: Program’s goals are to alleviate immediate health and safety issues in the home, including code violations, weatherization/energy efficiency, and accommodations for accessibility. Maximum assistance is $50,000. Amount of assistance is based on need and funding availability. This assistance is in the form of a deferred forgivable loan at 0% interest, with a 5/10/15 year recapture period. A lien is placed on the property until such time period is over. The loan is forgiven so long as the owner does not sell/transfer the property with the lien period. The following priority populations will have a preference:

 
  • – Veterans
  • – Elderly (62+)
  • – Disabled
  • – Families with children under 18
 

Typical repairs may include:

 
  • – Water heaters
  • – Heating and cooling
  • – Roofing
  • – Septic systems
  • – Plumbing and electrical repairs
  • – Disability accommodations
  • – Weatherization
  • – Energy efficiency retrofits
 

More information

 
 
 

Yuma County (1 program)

 

Housing Rehabilitation: Program’s goal is to alleviate immediate health and safety issues in the home that pose or would pose a serious threat to the health and safety of the occupants. Typical repairs are replacement of water heaters, heating and cooling, roofing, septic systems, plumbing and electrical repairs and disability accommodations. All repairs are done by licensed contractors, procured by the county.

 

The program is not available for in-City of Yuma or Town of Wellton residents.

 
 
 

Yuma city (1 program)

 

Housing Rehabilitation: Program assist low- and moderate-income homeowners with repairs to major systems such as plumbing, electric, heat and air conditioning, roof, or structural components. Funding is a non-performing loan to that becomes a grant after successful participation in the program.

 

More information

 
 
 

Coconino County (1 program)

 

No county specific program.

 
Housing Solutions of Northern Arizona

Owner Occupied Rehabilitation: The program provides no interest, no payment loans to low-income households, to help them repair critical home systems (heating, hot water, roofing, electrical) and modifications for handicapped accessibility.

 

More information

 
 

City of Flagstaff (2 programs)

 

Home Energy Retrofit: Program provides low-income and vulnerable residents help to make weatherization, electrification, and energy efficiency upgrades to their homes.

 

More information

 
 

Home Weatherization and Energy Rebate: Program provides rebates to residents who make qualified improvements in their homes:

 
  • – Weatherization such as attic insulation, duct sealing, or air sealing.
  • – Equipment upgrades to electric, energy-efficient heaters, water heaters, and stoves.
  • – Home electrification.
  • – Electric panel upgrades.
 

See available rebates and program information

 
 
 

Cochise County (1 program)

 

Emergency Home Repair: The program goal is to alleviate the burden of these unexpected repairs by offering financial assistance to eligible homeowners.

 

Eligible repairs:

 
  • – Roof repairs
  • – Electrical repairs
  • – Plumbing repairs
  • – Heating and air conditioning repairs
  • – Structural repairs
  • – Window and door repairs
  • – Foundation repairs
  • – Other repairs that are necessary to make the home safe and livable
 

More information

 
 
 

Navajo County (2 programs)

 

Native Partnership

 

Home Repair: The program repairs homes and weatherizes elder homes. Insulation is installed or added to help keep warm air in during long cold days. Seams around doors and windows are sealed to keep driving rain out during the spring and summer. Concrete floors can even be poured for residents who have only known a dirt floor.

 

More information

 

Native Community Capital

 

Navajo Homeowners Fund: The program can help with a home repair assistance loan of a maximum of $100,000.

 

More information