Find grants, rebates, forgivable loans, and free programs for St. Petersburg, FL, filtered to your situation.
As of June 2026, 32 home improvement grant, rebate, and forgivable loan programs are open to homeowners in St. Petersburg, FL, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 16 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 26 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | 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...
Provides major home rehabilitation assistance for low-income owner-occupied homes in St. Petersburg. Forgivable loan is ...
Provides emergency home repair grants for very low-income homeowners facing immediate health and safety hazards. Grant d...
Provides accessibility modifications for low-income homeowners with disabilities, including ramps, widened doorways, acc...
Provides home repair grants specifically for senior homeowners age 62 and older with low income. Covers essential repair...
Matching grant program for exterior rehabilitation of locally designated historic properties and properties within histo...
Assists low-income homeowners with replacing or repairing private sewer laterals from the home to the city main. Helps r...
Federally funded weatherization program administered through Pinellas County, providing energy efficiency improvements a...
Duke Energy offers rebates for qualifying energy-efficient improvements including HVAC upgrades, insulation, water heate...
Rebate for installing qualifying high-efficiency heat pump systems. Must meet ENERGY STAR or higher efficiency standards...
Community solar co-op that leverages group purchasing power to reduce costs for rooftop solar installations. Provides ed...
Federal tax credit equal to 30% of the cost of installing a solar energy system on your primary or secondary residence. ...
Very low-interest loans and grants for low-income homeowners in eligible rural areas near St. Petersburg to repair or im...
Grant for veterans with certain service-connected disabilities to adapt a home to meet their accessibility needs. Covers...
Grant for veterans with certain service-connected disabilities to make accessibility modifications to a home. Smaller gr...
Pandemic-related assistance program that provided funding for mortgage assistance, homeowner's insurance, HOA fees, and ...
State Housing Initiatives Partnership (SHIP) program administered by Pinellas County provides forgivable loans for home ...
HUD-funded program to identify and remediate lead-based paint hazards in homes built before 1978 with children under age...
Provides funding for flood mitigation projects including elevation, acquisition, relocation, or flood-proofing. Property...
State program providing free home inspections and matching grants for hurricane mitigation improvements such as roof upg...
Property Assessed Clean Energy financing allows homeowners to finance energy-efficiency and renewable energy improvement...
Federal HOME funds administered by Pinellas County for major home rehabilitation. Provided as forgivable loan with 10-ye...
Long-term disaster recovery program for homeowners impacted by Hurricane Irma (2017) and other designated disasters. Pro...
County program to connect homes to central sewer in areas being transitioned from septic systems. Cost is assessed over ...
Additional homestead exemption for seniors age 65 and older with household income below approximately $32,000. Provides ...
Property tax exemption for homeowners who are permanently and totally disabled, including certain veterans and first res...
Free HUD-certified homebuyer education workshops covering budgeting, credit, mortgages, home maintenance, and the purcha...
Free energy-efficiency improvements for income-qualified Duke Energy customers including HVAC tune-ups, air sealing, ins...
Emergency utility payment assistance through LIHEAP federal funds for households facing disconnection or energy crisis. ...
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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32 programs are currently listed for St. Petersburg, 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. Petersburg, 26 programs do not require repayment, 3 are forgivable loans, and 2 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.