Find grants, rebates, forgivable loans, and free programs for Elko, NV, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Elko, NV, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 11 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | Refunded to you after purchase | Energy-efficiency upgrades |
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HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
Federally funded program providing free energy efficiency improvements to low-income households in Elko County. Services...
HOME-funded rehabilitation program for owner-occupied homes in rural Nevada communities including Elko. Provides forgiva...
USDA program offering low-interest loans and grants to very-low-income homeowners in rural Elko County to repair, improv...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to accommodate their disabili...
Grant for veterans with certain service-connected disabilities to adapt their home for independent living. Covers access...
NV Energy rebate for upgrading to high-efficiency central air conditioning or heat pump systems. Rebate amounts vary by ...
Rebate for installing ENERGY STAR certified heat pump water heaters. Heat pump water heaters are 2-3 times more efficien...
Rebates for home weatherization improvements including insulation, air sealing, and duct sealing. Requires Home Energy A...
Nevada's solar incentive program offering rebates for residential solar photovoltaic systems. Rebate rates vary by appli...
Federal tax credit covering 30% of the cost of installing a residential solar energy system, including equipment and ins...
Rebate for purchasing and installing a qualifying smart or Wi-Fi enabled programmable thermostat. Smart thermostats can ...
Elko County program providing financial assistance for repair or replacement of failing septic systems in unincorporated...
CDBG-funded program providing grants for accessibility modifications to homes of low-income disabled or elderly resident...
Grant program for Elko County residents age 60+ to address minor emergency repairs that affect health and safety. Priori...
HUD-funded program to identify and remediate lead-based paint hazards in homes built before 1978 with children under age...
Emergency assistance for low-income Elko County households with broken or non-functional heating systems during winter m...
Low-interest loan program for Elko city residents to replace aging or lead water service lines from the property line to...
Emergency grant for low-income homeowners in Elko County with roof damage posing immediate threat to health and safety. ...
Comprehensive energy efficiency program combining state grants and utility rebates for qualifying Elko homeowners. Cover...
HOME-funded program providing forgivable loans for major foundation and structural repairs in Elko County. Addresses set...
Combined assistance program for upgrading outdated or undersized electrical panels in Elko homes. Essential for adding e...
FEMA hazard mitigation grant for Elko County homeowners in wildfire-prone areas. Covers fire-resistant roofing, ember-re...
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.
Pick a project to see how much funding could stack on it from multiple programs in this city.
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26 programs are currently listed for Elko, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Elko, 15 programs do not require repayment, 2 are forgivable loans, and 6 are rebates.
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.