Ohio EPA WPCLF Home Sewage Treatment System (HSTS) Program

About This Program

Ohio EPA's WPCLF program provides principal forgiveness loans to Local Health Districts, which pass savings to homeowners needing to repair or replace failing septic (home sewage treatment) systems or connect to public sewer. The lowest-income households can receive 100% of costs covered. Approximately $10.1 million was reserved for HSTS projects in program year 2025.

At federal poverty level: 100% forgiveness (free). At 200% FPG: 85% forgiveness (15% homeowner match). At 300% FPG: 50% forgiveness. Contact your county health district to determine your tier.

Key Details

• Principal forgiveness on septic repair/replacement — up to 100% free for lowest-income homeowners
• Covers repair, replacement, or connection of failing home sewage treatment systems
• $10.1 million reserved for homeowner HSTS projects in 2025
• Administered through county Local Health Districts — contact your county health department
• Sliding scale: 100% at poverty line, 85% at 200% FPG, 50% at 300% FPG

How to Apply

Deadline: Rolling — apply through your county Local Health District (LHD); $10.1M reserved for 2025