Find grants, rebates, forgivable loans, and free programs for San Luis Obispo, CA, filtered to your situation.
As of June 2026, 23 home improvement grant, rebate, and forgivable loan programs are open to homeowners in San Luis Obispo, CA, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 11 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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...
CDBG-funded forgivable loan program for major home repairs and rehabilitation for income-qualified owner-occupants in Sa...
Provides emergency repair grants for owner-occupied homes with urgent health and safety hazards for very low-income hous...
CDBG-funded grant for accessibility modifications to owner-occupied homes for residents with disabilities or seniors wit...
Low-interest loan program to help homeowners repair or replace failing private sewer laterals. Loan is repaid through mo...
Free weatherization services for income-qualified households in San Luis Obispo County. Includes insulation, air sealing...
Rebates for comprehensive home energy efficiency upgrades for PG&E customers in San Luis Obispo. Covers insulation, air ...
Rebate for installing qualifying electric heat pump water heaters for PG&E customers. Provides up to $3,300 for income-q...
Rebate for installing qualifying central heat pump HVAC systems for PG&E customers. Income-qualified customers can recei...
Incentive for installing energy storage systems (batteries) paired with solar in San Luis Obispo. Provides per-kWh rebat...
Federal tax credit covering 30% of the cost of solar panel and battery storage system installation for homeowners in San...
Free energy efficiency improvements for low-income PG&E customers in San Luis Obispo including attic insulation, weather...
Enhanced weatherization services for low-income households in disadvantaged communities identified by CalEnviroScreen. P...
State-funded lead hazard control for homes built before 1978 with children under 6 or pregnant women. Provides free lead...
Grants and low-interest loans for very low-income homeowners in eligible rural areas near San Luis Obispo to repair, imp...
Grant for veterans with certain service-connected disabilities to construct, purchase, or modify a home to meet their ad...
Grant for veterans with certain service-connected disabilities to adapt a home to meet their needs. For veterans with bl...
Federal HOME Investment Partnerships Program funds for owner-occupied home rehabilitation in unincorporated San Luis Obi...
Grant program to help California homeowners strengthen houses built before 1980 that are vulnerable to earthquake damage...
Allows seniors age 62+, blind, or disabled homeowners in San Luis Obispo County with household income below $51,762 (202...
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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23 programs are currently listed for San Luis Obispo, 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 San Luis Obispo, 15 programs do not require repayment, 2 are forgivable loans, and 4 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.