Home Improvement Grants in Bainbridge Island.

Find grants, rebates, forgivable loans, and free programs for Bainbridge Island, WA, filtered to your situation.

As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Bainbridge Island, WA, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 13 require no income limit.

Data last verified 2026-06-09. How we verify our data.

Types of help in this city

Funding typeProgramsRepaid?Best for
Grants18Never repaidIncome-qualified homeowners
Forgivable loans1Forgiven after a residency periodLarger repairs with no money down
Rebates5Refunded to you after purchaseEnergy-efficiency upgrades

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Showing 26 programs
Varies, no individual cap; projects typically $10K-$200K+

FEMA Hazard Mitigation Grant Program (HMGP)

HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...

Disaster
Up to $30,000

FEMA Increased Cost of Compliance (ICC) Coverage

ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...

Disaster
Varies by jurisdiction, typically $5,000-$15,000 per unit

HUD Lead Hazard Control & Healthy Homes

HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...

Seniors & Disability
Varies, full line replacement cost covered in many programs

EPA / WIIN Act Lead Service Line Replacement

EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...

Seniors & Disability
Up to $8,000 in weatherization services

Washington State Weatherization Assistance Program

Provides free energy efficiency upgrades for income-qualified households in Washington State. Services include insulatio...

Weatherization
Down payment assistance up to $30,000

Washington State Housing Finance Commission Home Advantage

Provides down payment and closing cost assistance for first-time homebuyers in Washington State. Assistance is provided ...

Homebuyer
Forgivable loan up to $35,000

Kitsap County HOME Owner-Occupied Rehabilitation

Provides major home repair and rehabilitation assistance for low-income homeowners in Kitsap County. The deferred loan i...

Home Repair
Up to $10,000 grant

Kitsap County Emergency Home Repair Grant

Provides emergency grants for immediate health and safety repairs to owner-occupied homes in Kitsap County. Covers urgen...

Emergency
Up to $3,000 rebate

Puget Sound Energy Heat Pump Rebate

Rebates for customers who install qualifying ductless or ducted heat pumps in their homes. Enhanced rebates available fo...

Energy
Up to $1,800 rebate

Puget Sound Energy Home Insulation Rebate

Rebates for installing qualifying insulation in attics, walls, floors, and crawl spaces. Eligible measures include fiber...

Weatherization
Up to $800 rebate

Puget Sound Energy Heat Pump Water Heater Rebate

Rebate for replacing an existing electric or gas water heater with a qualifying heat pump water heater. Heat pump water ...

Energy
Free home weatherization services

PSE HomePrint Low-Income Weatherization

Free energy-efficiency upgrades for income-qualified PSE customers. Services include insulation, air sealing, water heat...

Weatherization
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Loan & Grant

Provides loans and grants to very-low-income homeowners to repair, improve, or modernize their homes or remove health an...

Home Repair
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) Grant

Helps veterans with certain permanent and total service-connected disabilities adapt or purchase an adapted home. Eligib...

Veterans
Up to $25,350 (SHA), FY2026

VA Special Housing Adaptation (SHA) Grant

Helps veterans with certain service-connected disabilities adapt their residence. Eligible disabilities include blindnes...

Veterans
Free lead hazard removal

Washington State Lead-Based Paint Program

Provides free lead hazard reduction services for income-qualified families with children under 6 living in homes built b...

Home Repair
Up to $15,000 grant

Kitsap County Accessibility Modification Program

Provides grants for accessibility modifications to homes for seniors or people with disabilities in Kitsap County. Modif...

Seniors & Disability
Up to $5,000 grant

Kitsap County Sewer Lateral Assistance

Provides financial assistance for homeowners who need to repair or replace failing sewer lateral connections. Available ...

Home Repair
Varies by project

Washington State Senior Citizens' Services Program

Provides home repair and modification services for seniors age 60+ through local community action agencies. Services inc...

Seniors & Disability
Up to $100 rebate

PSE Smart Thermostat Rebate

Rebate for PSE customers who purchase and install a qualifying smart thermostat. Smart thermostats automatically adjust ...

Energy
Up to $5,000 annual incentive

Washington State Solar Production Incentive

Previously provided annual incentive payments to customers who installed solar panels. Program closed to new application...

Solar/Renewable
30% of system cost

Federal Residential Solar Tax Credit (ITC)

Federal tax credit equal to 30% of the cost of installing a residential solar energy system. The credit reduces federal ...

Solar/Renewable
Up to $500 rebate

PSE Electric Vehicle Charger Rebate

Rebate for PSE customers who purchase and install a Level 2 electric vehicle charging station at their home. Helps offse...

Energy
Property tax exemption or deferral

Washington Senior Citizen Property Tax Exemption

Provides property tax exemption or deferral for senior citizens (61+) and people with disabilities who meet income limit...

Property Tax Relief
Low-interest loan up to $30,000

Kitsap County On-Site Septic Loan Program

Provides low-interest loans for homeowners who need to repair or replace failing septic systems. Loan is repaid over tim...

Home Repair
Varies by project, 75% federal / 25% match

Washington State Hazard Mitigation Grant Program

Provides funding for hazard mitigation projects following presidentially declared disasters. Eligible projects include f...

Disaster

💡 Stack programs to maximize your savings

Many of these programs can be combined. For example, you can use a city repair grant for the work, a utility rebate for the energy savings, and a federal tax credit on top, all for the same project.

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Grant-Approved Contractors in Bainbridge Island

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Frequently asked questions

What home improvement grants are available in Bainbridge Island, WA?

26 programs are currently listed for Bainbridge Island, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes.

Do home improvement grants in Bainbridge Island have to be repaid?

Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Bainbridge Island, 18 programs do not require repayment, 1 is forgivable loan, and 5 are rebates.

How do I apply for home repair grants in Bainbridge Island?

Every program listing carries the official application link and phone number for the administering agency. Homeowners apply directly with that agency; there is no middleman and no fee.