Home Improvement Grants in San Carlos.

Find grants, rebates, forgivable loans, and free programs for San Carlos, CA, filtered to your situation.

As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in San Carlos, CA, with individual awards up to $126,526. 3 programs target seniors, 2 serve veterans, and 13 require no income limit.

Data last verified 2026-06-09. How we verify our data.

Types of help in this city

Funding typeProgramsRepaid?Best for
Grants15Never repaidIncome-qualified homeowners
Forgivable loans2Forgiven after a residency periodLarger repairs with no money down
Rebates6Refunded to you after purchaseEnergy-efficiency upgrades

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Showing 24 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
Up to $35,000 forgivable loan

San Carlos CDBG Owner-Occupied Rehabilitation Program

Provides forgivable loans for major home repairs to low-income owner-occupied households in San Carlos. Loan is forgiven...

Home Repair
Up to $8,000 grant

San Carlos Senior Accessibility & Safety Modifications

Provides grants for home safety and accessibility modifications for seniors 60+ in San Mateo County. Covers grab bars, r...

Seniors & Disability
Average $6,500–$8,000 per home

California Weatherization Assistance Program (WAP)

Federally funded program providing free weatherization services to income-eligible San Carlos households. Services inclu...

Weatherization
Up to $6,500 in rebates

PG&E Energy Upgrade California Home Upgrade

Comprehensive home energy upgrade program offering rebates for qualifying whole-home improvements. Requires energy asses...

Weatherization
Up to $5,200 rebate

PG&E Heat Pump Water Heater Rebate

Rebate for installing qualifying heat pump water heaters to replace gas or electric resistance water heaters. Rebate amo...

Energy
Up to $6,500 rebate

PG&E Central Heat Pump HVAC Rebate

Rebate for installing qualifying central heat pump HVAC systems. Income-qualified customers receive up to $6,500; all ot...

Energy
Up to $120 rebate

PG&E Smart Thermostat Rebate

Rebate for purchasing and installing a qualifying smart thermostat. Rebate amounts vary by thermostat model and particip...

Energy
Free energy upgrades

PG&E Energy Savings Assistance Program

Free comprehensive energy efficiency improvements for income-qualified San Carlos households. Services include attic ins...

Energy
Varies by system size

California Solar Initiative (CSI) Rebate

California's solar rebate program concluded in 2016 after meeting its goals. San Carlos homeowners can now take advantag...

Solar/Renewable
30% of system cost

Federal Residential Solar Investment Tax Credit

Federal tax credit covering 30% of the cost of residential solar PV systems and battery storage installed for installati...

Solar/Renewable
$200–$1,000 per kWh

California SGIP Battery Storage Rebate

Rebate for residential battery energy storage systems in PG&E territory. Incentive levels range from $200-$1,000 per kWh...

Solar/Renewable
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Loan & Grant

Low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize hom...

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

VA Specially Adapted Housing (SAH) Grant

Grant for veterans with certain service-connected disabilities to purchase or modify a home to meet their disability nee...

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

VA Special Housing Adaptation (SHA) Grant

Grant for veterans with certain service-connected disabilities to adapt a family member's home where they will reside. A...

Veterans
Free lead testing and remediation

California Lead-Based Paint Hazard Control Program

State program providing free lead hazard assessment and control services for eligible homes built before 1978 with child...

Home Repair
Varies; up to $7,500 typical

CalFIRE Home Hardening and Defensible Space Grants

Grants and cost-share programs to help California homeowners in wildfire-prone areas create defensible space and harden ...

Disaster
Up to $3,000 grant

California Earthquake Authority Brace + Bolt Program

Grants to strengthen older homes with vulnerable cripple walls and unbolted foundations to better withstand earthquakes....

Disaster
Up to $5,000 grant

San Carlos Sewer Lateral Repair Grant

Grant program to assist income-qualified San Carlos homeowners with the cost of repairing or replacing private sewer lat...

Home Repair
Up to $10,000 grant

San Mateo County Emergency Home Repair Program

Provides emergency home repair grants for very-low-income owner-occupied households in San Mateo County facing immediate...

Emergency
Up to $15,000 forgivable loan

San Mateo County ADA Accessibility Modification Program

Forgivable loan program for low-income households with a disabled family member to make ADA accessibility modifications....

Seniors & Disability

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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Frequently asked questions

What home improvement grants are available in San Carlos, CA?

24 programs are currently listed for San Carlos, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes.

Do home improvement grants in San Carlos have to be repaid?

Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In San Carlos, 15 programs do not require repayment, 2 are forgivable loans, and 6 are rebates.

How do I apply for home repair grants in San Carlos?

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.