Find grants, rebates, forgivable loans, and free programs for Key West, FL, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Key West, FL, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 10 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | 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 administered by Florida DEO to reduce energy costs for low-income households. Services include ...
State Housing Initiatives Partnership (SHIP) program provides forgivable loans for owner-occupied rehabilitation in Monr...
CDBG-funded rehabilitation program for low-income owner-occupied homes in Key West. Provides forgivable loans for compre...
Emergency repair grant for very low-income homeowners facing immediate health and safety hazards. Covers urgent repairs ...
CDBG-funded program providing accessibility modifications for Key West homeowners with disabilities. Grants cover ramps,...
Provides minor home repairs for low-income seniors age 60+ in Monroe County. Grant covers repairs essential to health, s...
Rebate for Keys Energy customers who install qualifying solar water heating systems. Incentive of $15 per square foot of...
Rebate for Keys Energy customers who install high-efficiency central air conditioning systems with SEER rating of 16 or ...
Rebate for residential Keys Energy customers who replace existing electric water heaters with ENERGY STAR certified heat...
Property Assessed Clean Energy (PACE) financing available in Monroe County for energy efficiency, renewable energy, and ...
Federal program providing low-interest loans (1% fixed) up to $40,000 and grants up to $10,000 for very low-income homeo...
Grant for veterans with certain service-connected disabilities to build, purchase, or modify a home to meet adaptive nee...
Grant for veterans with certain service-connected disabilities to adapt a home for independent living. Eligible veterans...
HUD-funded program providing free lead hazard assessment and abatement for Florida homes built before 1978 with children...
Disaster recovery program providing home repair grants to Florida homeowners impacted by federally declared disasters. A...
Assistance for low-income Monroe County homeowners to repair or upgrade failing septic systems. Program helps protect th...
Cost-sharing program to assist Key West homeowners with repair or replacement of private water service laterals from the...
Down payment and closing cost assistance for first responders, teachers, healthcare workers, and other essential workers...
Federal income tax credit equal to 20% of qualified rehabilitation expenditures for certified historic structures used f...
Florida law provides property tax exemption for residential solar installations, meaning added home value from solar pan...
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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24 programs are currently listed for Key West, 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 Key West, 17 programs do not require repayment, 3 are forgivable loans, and 3 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.