Find grants, rebates, forgivable loans, and free programs for Utica, NY, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Utica, NY, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 9 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | 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 comprehensive energy efficiency upgrades for income-eligible households in Oneida County. Services include insu...
Provides major home rehabilitation for low- to moderate-income owner-occupants in Utica. Loan is forgiven after 5 years ...
Provides emergency repairs for very-low income owner-occupants in Utica facing immediate health and safety threats. Prio...
Funds accessibility modifications for Utica homeowners with disabilities or seniors aging in place. Includes ramps, wide...
Provides lead hazard assessment and abatement for pre-1978 homes in Utica with children under 6 years old. Services incl...
Rebates for National Grid customers installing ENERGY STAR certified air-source or ductless mini-split heat pumps. Rebat...
Rebates for qualifying energy-efficient appliances including water heaters, smart thermostats, insulation, and air seali...
Provides a 25% state tax credit for residential solar panel installations, capped at $5,000. Stacks with the federal 30%...
Low-interest loans and grants for very-low income homeowners in eligible rural areas near Utica to repair or improve hom...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Gr...
Helps veterans with certain service-connected disabilities adapt a family member's home or their own home to meet their ...
HUD HOME funds administered by Utica for owner-occupied housing rehabilitation. Provides forgivable loans for major home...
Provides partial property tax exemption for Utica homeowners age 65 or older with qualifying income. Exemption ranges fr...
Provides enhanced STAR exemption on school property taxes for seniors 65+ with income under $92,000. Automatically regis...
Zero-interest loan program for Utica homeowners to repair or replace private sewer laterals. Loan is repaid through quar...
Provides 20% state income tax credit for qualified rehabilitation of owner-occupied historic homes listed on State or Na...
Provides heating bill assistance for low-income Utica residents during winter months. Grant amount based on household si...
Emergency heating assistance for households facing immediate heating crisis such as utility shut-off notice, broken heat...
Free energy efficiency upgrades for income-eligible Utica households. Services include insulation, air sealing, LED ligh...
Income-qualified homeowners in Utica receive enhanced rebates for comprehensive energy efficiency improvements. Includes...
FHA-insured mortgage that combines home purchase or refinance with rehabilitation costs in a single loan. Ideal for buyi...
County-administered weatherization program providing energy efficiency improvements at no cost to eligible Utica househo...
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 Utica, 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 Utica, 18 programs do not require repayment, 2 are forgivable loans, and 3 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.