Home Improvement Grants in St. Clair Shores.

Find grants, rebates, forgivable loans, and free programs for St. Clair Shores, MI, filtered to your situation.

As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in St. Clair Shores, MI, with individual awards up to $126,526. 4 programs target seniors, 2 serve veterans, and 13 require no income limit.

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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 $30,000 forgivable loan

St. Clair Shores CDBG Owner-Occupied Rehabilitation

Provides forgivable loans to low- and moderate-income homeowners in St. Clair Shores for major home repairs and rehabili...

Home Repair
Up to $5,000 grant

St. Clair Shores Emergency Home Repair Grant

Emergency repair grant for very low-income St. Clair Shores homeowners facing immediate health and safety threats. Cover...

Emergency
Up to $8,000 in weatherization

Michigan Weatherization Assistance Program (WAP)

Federally funded weatherization program administered through local agencies serving Macomb County. Provides free energy ...

Weatherization
Up to $25,000 loan

MSHDA Home Repair Loan Program

Low-interest loan program for necessary home repairs and accessibility modifications. Available to moderate-income Michi...

Home Repair
Free lead hazard removal

Macomb County Lead Hazard Reduction

HUD-funded lead hazard control for pre-1978 homes in Macomb County with children under 6 years old. Free lead inspection...

Home Repair
Up to $500 in instant rebates

DTE Energy Home Energy Analysis

Free in-home energy assessment with instant rebates and installation of energy-saving products such as LED bulbs, smart ...

Energy
Up to $1,400 rebate

DTE Energy HVAC Equipment Rebates

Rebates for high-efficiency heating and cooling equipment including furnaces, central air conditioners, heat pumps, and ...

Energy
Up to $10,000 in upgrades

DTE Energy Assistance for Income-Qualified Customers

Enhanced energy efficiency program for income-qualified DTE customers. Provides free or heavily subsidized furnace repla...

Energy
Up to $2,000 rebate

DTE Energy Heat Pump Incentive Program

Enhanced rebates for installation of electric air-source or ground-source heat pumps in electrically heated homes. Incen...

Energy
Up to $1,200 rebate

Consumers Energy Appliance & Equipment Rebates

Rebates for energy-efficient equipment including furnaces, boilers, water heaters, programmable thermostats, and insulat...

Energy
Up to $3,000 grant

Macomb County Senior Home Repair Program

Home repair grants for Macomb County residents age 60+ with limited income. Covers minor repairs necessary for health, s...

Seniors & Disability
Up to $15,000 forgivable loan

Macomb County ADA Home Modification Program

Forgivable loans for accessibility modifications to accommodate household members with disabilities. Covers ramps, widen...

Seniors & Disability
50% cost-share up to $5,000

St. Clair Shores Water Lateral Repair Assistance

Cost-sharing program for repair or replacement of private water service laterals from the main to the property line. Cit...

Home Repair
50% cost-share up to $7,500

St. Clair Shores Sewer Lateral Program

Cost-sharing assistance for repair or replacement of private sanitary sewer laterals. City pays 50% of eligible costs up...

Home Repair
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Grants & Loans

Federal program providing grants (age 62+) and low-interest loans to very low-income homeowners in eligible rural areas ...

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, construct, or modify a home to meet their ad...

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 or their own home for mob...

Veterans
30% tax credit

Federal Residential Solar Tax Credit (ITC)

Federal tax credit for residential solar photovoltaic systems and battery storage. Credit equals 30% of total system cos...

Solar/Renewable
Net metering credits

DTE Energy Solar Customer Generation Program

Net metering program for DTE residential solar customers. Excess electricity generated is credited to your account at th...

Solar/Renewable
18 mill tax exemption

Michigan Homeowner's Principal Residence Exemption

Property tax exemption for Michigan homeowners who occupy their home as a principal residence. Exempts property from up ...

Property Tax Relief

💡 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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