Find grants, rebates, forgivable loans, and free programs for Oak Harbor, WA, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Oak Harbor, WA, with individual awards up to $126,526. 9 programs target seniors, 3 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 | 2 | 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 the state to reduce energy costs for low-income households through comprehensiv...
CDBG-funded program providing forgivable loans for major home repairs to low and moderate-income owner-occupants in Oak ...
CDBG-funded grants for accessibility modifications to owner-occupied homes for residents with disabilities or seniors ag...
County-administered weatherization services through Opportunity Council providing free energy efficiency improvements to...
Rebates for installation of qualifying ductless or ducted heat pumps in PSE electric service territory. Provides incenti...
Rebates for adding insulation and air sealing to existing homes served by PSE electric heat. Starts with a $75 Home Ener...
Rebates for upgrading to energy-efficient water heaters including heat pump water heaters and high-efficiency gas models...
Enhanced energy efficiency upgrades at no cost for income-qualified PSE customers. Includes heat pumps, insulation, air ...
Very low-interest loans to very low-income homeowners in eligible rural areas to repair, improve, or modernize their hom...
Grants to very low-income homeowners age 62 or older in eligible rural areas to remove health and safety hazards. Maximu...
Grant for veterans with certain service-connected disabilities to construct or modify a home for wheelchair accessibilit...
Grant for veterans with certain service-connected disabilities to adapt a home for accessibility. Smaller than SAH grant...
State-funded lead hazard reduction program for homes built before 1978 with children under 6 years old and household inc...
Low-interest loan program to help homeowners repair or replace failing side-sewers (the private sewer line from home to ...
Provides minor home repairs and safety modifications for low-income seniors age 60+ in Island County. Services include i...
Federal HOME funds administered by Island County for major home rehabilitation of owner-occupied housing. Provides forgi...
Washington State property tax exemption for residential solar energy systems. The added value of solar installation is e...
Federal tax credit covering 30% of the cost of solar panel installation and battery storage for residential properties. ...
Previously available production incentive for residential solar installations. Program closed to new applicants as of Ju...
State-funded emergency home repair grants for very low-income homeowners facing urgent health and safety hazards. Priori...
Property tax exemption for seniors 61+, people with disabilities, or qualifying veterans with limited income. Exempts po...
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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25 programs are currently listed for Oak Harbor, 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 Oak Harbor, 17 programs do not require repayment, 2 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.