Home Improvement Grants in Gary.

Find grants, rebates, forgivable loans, and free programs for Gary, IN, filtered to your situation.

As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Gary, IN, with individual awards up to $126,526. 8 programs target seniors, 3 serve veterans, and 11 require no income limit.

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Showing 25 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
Forgivable loan up to $35,000

City of Gary Owner-Occupied Rehabilitation Program

CDBG-funded forgivable loan program for major home repairs for low-income owner-occupied households in Gary. Loan is for...

Home Repair
Grant up to $10,000

City of Gary Emergency Home Repair Program

Provides emergency grants for urgent health and safety repairs for very low-income owner-occupied homes in Gary. Priorit...

Emergency
Grant up to $20,000

City of Gary Accessibility Modification Program

Provides grants for accessibility modifications such as wheelchair ramps, widened doorways, accessible bathrooms, and ha...

Seniors & Disability
Free lead hazard removal

City of Gary Lead-Based Paint Hazard Control

HUD-funded program to eliminate lead-based paint hazards in Gary homes built before 1978 where children under age 6 resi...

Home Repair
Grant up to $8,000

City of Gary Sewer Lateral Repair Program

Provides grants to low-income homeowners in Gary for repair or replacement of failing private sewer lateral lines from t...

Home Repair
Up to $8,000 in weatherization

Indiana Weatherization Assistance Program (WAP)

Federally funded program administered through Lake County Economic Development Corporation providing comprehensive home ...

Weatherization
Loan up to $25,000

Indiana Housing & Community Development Authority Rehab Loan

Low-interest home improvement loan for Indiana homeowners at or below 120% AMI. Offers competitive fixed rates and flexi...

Home Repair
Up to $2,000 in rebates

NIPSCO Home Energy Rebate Program

NIPSCO offers rebates for natural gas customers who install qualifying high-efficiency furnaces, water heaters, programm...

Energy
Up to $800 rebate

NIPSCO Heat Pump Rebate

Rebate for NIPSCO electric customers who install qualifying ENERGY STAR certified air source or geothermal heat pumps. R...

Energy
Up to $5,000 in free upgrades

NIPSCO Income-Qualified Energy Efficiency Program

Enhanced energy efficiency program for low-income NIPSCO customers providing free home energy audits and installation of...

Energy
100% property tax deduction for 10 years

Indiana Renewable Energy Property Tax Deduction

Indiana homeowners who install renewable energy systems such as solar panels can qualify for a complete property tax ded...

Solar/Renewable
Grant up to $5,000

Lake County Senior Home Repair Grant

Provides grants to Lake County residents age 60+ for minor home repairs that allow seniors to age in place safely. Prior...

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

USDA Section 504 Home Repair Program

Very low-interest loans and grants for very low-income homeowners in eligible rural areas to repair, improve, or moderni...

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

VA Specially Adapted Housing (SAH) Grant

Helps veterans with certain service-connected disabilities purchase or modify a home to meet their disability-related ne...

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

VA Special Housing Adaptation (SHA) Grant

Helps veterans with certain service-connected disabilities adapt a home to meet disability-related needs. Available to v...

Veterans
Up to $50,000 per unit

Gary HOME Investment Partnerships Rental Rehabilitation

Federal HOME funds to assist property owners in rehabilitating rental housing units in Gary. In exchange, owners must re...

Rental
Up to $600 for energy bills

Indiana Energy Assistance Program (LIHEAP)

Federal Low Income Home Energy Assistance Program (LIHEAP) helps low-income Indiana households with heating and cooling ...

Energy
Up to 60% assessed value reduction

Indiana Homestead Standard Deduction

Indiana homeowners who occupy their home as their principal residence can receive a standard deduction reducing the asse...

Property Tax Relief
Cap at 1% of assessed value

Indiana Property Tax Cap

Indiana's constitutional property tax cap limits property taxes on owner-occupied homes to 1% of assessed value. Caps ar...

Property Tax Relief
Up to 100% property tax exemption

Indiana Disabled Veterans Property Tax Deduction

Disabled veterans with a service-connected disability rating of at least 10% may receive property tax deductions ranging...

Property Tax Relief
Up to $14,000 assessed value reduction

Indiana Over Age 65 Property Tax Deduction

Indiana homeowners age 65 or older may receive an additional property tax deduction of up to $14,000 from the assessed v...

Property Tax Relief

💡 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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