Find grants, rebates, forgivable loans, and free programs for Gilbert, AZ, filtered to your situation.
As of June 2026, 33 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Gilbert, AZ, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 19 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 20 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 7 | 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...
Low-interest loan program for owner-occupied home repairs and improvements for Arizona homeowners. Funds can be used for...
Federally funded program providing free energy efficiency improvements to income-qualified households. Services include ...
CDBG-funded home repair program for low-income homeowners in unincorporated Maricopa County and participating cities. Fo...
Provides grants for accessibility modifications to homes occupied by individuals with disabilities. Covers wheelchair ra...
Comprehensive home energy efficiency program offering rebates for insulation, air sealing, duct sealing, and HVAC tune-u...
Rebate for installing high-efficiency central air conditioning systems in existing SRP-served homes. Rebate amount varie...
Rebate program for installing electric heat pump systems. Higher rebates available for high-efficiency models that provi...
Incentive programs for residential solar panel installation and battery storage systems. SRP offers various solar rate p...
Rebate for installing ENERGY STAR certified electric heat pump water heaters or high-efficiency electric water heaters i...
APS offers rebates for comprehensive home energy efficiency improvements including insulation, air sealing, and duct sea...
Rebate for purchasing and installing high-efficiency central air conditioning systems. Rebate amount based on SEER ratin...
APS offers various solar rate plans and programs for homeowners installing rooftop solar. Options include bill credits, ...
Low-interest loans and grants to very low-income homeowners in eligible rural areas to repair, improve, or modernize the...
Grant for veterans with certain service-connected disabilities to build, purchase, or modify a home to accommodate their...
Grant for veterans with certain service-connected disabilities to adapt a family member's home or their own home to meet...
Rebates for water-efficient fixtures, drip irrigation systems, desert landscaping, and smart irrigation controllers for ...
Emergency repair grants for low-income seniors age 60+ in Maricopa County. Covers critical health and safety repairs to ...
HUD-funded lead hazard reduction for Arizona homes built before 1978 with children under age 6. Free lead testing, risk ...
Low-interest loan program to help Gilbert homeowners repair or replace damaged private sewer laterals. Prevents sewage b...
Housing repair and rehabilitation assistance for enrolled members of the Salt River Pima-Maricopa Indian Community. Serv...
HUD HOME Investment Partnerships Program funds for owner-occupied housing rehabilitation in Maricopa County. Forgivable ...
Federal tax credit for energy-efficient home improvements including windows, doors, insulation, HVAC systems, heat pumps...
Federal tax credit equal to 30% of the cost of installing a residential solar energy system. Includes solar panels, equi...
Single mortgage combining home purchase price and renovation costs into one loan. Allows buyers to purchase and improve ...
Arizona law allows homeowners 65+ to freeze the assessed value of their primary residence for property tax purposes. Pro...
Arizona residents with total and permanent disability may qualify for a property tax exemption on their primary residenc...
Arizona widows and widowers may qualify for a property tax exemption on their primary residence. Reduces the assessed va...
State disaster recovery assistance coordinated with FEMA for homes damaged by federally declared disasters. Activated on...
Assists low-income Arizona households with cooling and heating costs, particularly during extreme temperatures. Provides...
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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33 programs are currently listed for Gilbert, 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 Gilbert, 20 programs do not require repayment, 2 are forgivable loans, and 7 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.