Find grants, rebates, forgivable loans, and free programs for St. Charles, MO, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in St. Charles, MO, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 12 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 | 1 | 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...
Federally-funded program that provides free energy efficiency upgrades to income-eligible Missouri households. Services ...
Low-interest loan program for single-family home repairs and improvements for low- to moderate-income Missouri homeowner...
Grant program to help low-income Missouri homeowners make accessibility modifications for household members with disabil...
Low-interest loan to help very-low-income homeowners in rural areas repair, improve, or modernize their homes. Must be i...
Grant for very-low-income homeowners age 62+ in rural areas to remove health and safety hazards. Can be combined with Se...
Grant for veterans with certain service-connected disabilities to buy, build, or modify a home to meet their adaptive ne...
Grant for veterans with blindness in both eyes or loss/loss of use of both hands to adapt their permanent residence. Cov...
Rebates for Ameren Missouri electric customers who install qualifying high-efficiency central air conditioners, heat pum...
Enhanced rebates for Ameren Missouri customers who install ENERGY STAR certified air-source or geothermal heat pumps. Hi...
Rebates for Ameren Missouri customers who install qualifying high-efficiency electric water heaters, including heat pump...
Rebates for Ameren Missouri electric heating customers who add insulation and air sealing to their homes. Must complete ...
Rebates for Spire Missouri natural gas customers who install high-efficiency gas furnaces. Rebates range from $250 to $7...
Rebates for Spire Missouri customers who install high-efficiency natural gas boilers. Rebate amounts increase with effic...
Free weatherization services for income-eligible Spire Missouri natural gas customers. Services include insulation, air ...
Grant program for St. Charles County homeowners age 60+ with low income to address emergency home repairs. Covers repair...
CDBG-funded forgivable loan for major home repairs for low-income homeowners in St. Charles. Loan is forgiven after 5 ye...
Grant program for St. Charles homeowners to install wheelchair ramps, widen doorways, and make other accessibility modif...
Emergency repair grant for very-low-income St. Charles homeowners facing immediate threats to health and safety. Covers ...
Cost-share grant for St. Charles homeowners to repair or replace damaged sewer laterals on private property. City reimbu...
Grant to help St. Charles homeowners repair or replace damaged water service lines from the main to the home. City reimb...
Rebate for Ameren Missouri customers who install grid-connected solar photovoltaic systems. Rebate is $500 per kilowatt ...
Federal tax credit equal to 30% of the cost of installing a residential solar energy system, including panels, inverters...
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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26 programs are currently listed for St. Charles, 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 St. Charles, 15 programs do not require repayment, 1 is forgivable loan, 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.