Home Improvement Grants in Key West.

Browse cataloged grants, rebates, loans, and other assistance records for Key West, FL. Verify each program's current rules, service area, and status.

The Key West, FL directory shows 23 cataloged resources. Of those, 21 are currently open or actionable home improvement or repair assistance records; the largest published amount stored among those 21 records is $126,526, not an estimate of your award. Discovery tags include 4 senior-related records, 2 veteran-related records, and 10 marked with no income limit. These tags do not determine eligibility; verify the complete official rules.

Record set last reviewed 2026-06-09. How we verify our data.

Types of help in this city

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Funding typeRecordsWhat to verifyLabel scope
Grants15Repayment, tax, and possible lien termsDirectory classification; confirm official terms
Forgivable loans2Forgiveness schedule, residency, and lien termsDirectory classification; confirm official terms
Rebates3Eligible purchases, upfront payment, and claim timingDirectory classification; confirm official terms

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Showing all 23 resources (21 currently open or actionable repair-assistance records)
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 $8,000 per household

Florida Weatherization Assistance Program (WAP)

Federally funded program administered by Florida DEO to reduce energy costs for low-income households. Services include ...

Weatherization
Up to $75,000 forgivable loan

Florida SHIP Owner-Occupied Rehabilitation

State Housing Initiatives Partnership (SHIP) program provides forgivable loans for owner-occupied rehabilitation in Monr...

Home Repair
Up to $50,000 forgivable loan

Key West CDBG Owner-Occupied Housing Rehabilitation

CDBG-funded rehabilitation program for low-income owner-occupied homes in Key West. Provides forgivable loans for compre...

Home Repair
Up to $10,000 grant

Key West Emergency Home Repair Grant

Emergency repair grant for very low-income homeowners facing immediate health and safety hazards. Covers urgent repairs ...

Emergency
Up to $25,000 grant

Key West Accessibility Modification Program

CDBG-funded program providing accessibility modifications for Key West homeowners with disabilities. Grants cover ramps,...

Seniors & Disability
Up to $5,000 grant

Monroe County Senior Home Repair Program

Provides minor home repairs for low-income seniors age 60+ in Monroe County. Grant covers repairs essential to health, s...

Seniors & Disability
Up to $450 rebate

Keys Energy Services Solar Water Heater Rebate

Rebate for Keys Energy customers who install qualifying solar water heating systems. Incentive of $15 per square foot of...

Solar/Renewable
Up to $300 rebate

Keys Energy Services High-Efficiency AC Rebate

Rebate for Keys Energy customers who install high-efficiency central air conditioning systems with SEER rating of 16 or ...

Energy
Up to $500 rebate

Keys Energy Heat Pump Water Heater Rebate

Rebate for residential Keys Energy customers who replace existing electric water heaters with ENERGY STAR certified heat...

Energy
100% financing, varies by project

Florida PACE Home Energy Financing

Property Assessed Clean Energy (PACE) financing available in Monroe County for energy efficiency, renewable energy, and ...

Solar/Renewable
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Loan & Grant

Federal program providing low-interest loans (1% fixed) up to $40,000 and grants up to $10,000 for very low-income homeo...

Seniors & Disability
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 build, purchase, or modify a home to meet adaptive nee...

Veterans
Up to $25,350 (SHA), FY2026

VA Special Housing Adaptation (SHA) Grant

Grant for veterans with certain service-connected disabilities to adapt a home for independent living. Eligible veterans...

Veterans
Free lead hazard removal

Florida Department of Health Lead Hazard Abatement

HUD-funded program providing free lead hazard assessment and abatement for Florida homes built before 1978 with children...

Home Repair
Up to $25,000 grant

Florida Hardest-Hit Fund Home Repair

Disaster recovery program providing home repair grants to Florida homeowners impacted by federally declared disasters. A...

Disaster
Varies by system type

Monroe County Septic System Repair & Replacement

Assistance for low-income Monroe County homeowners to repair or upgrade failing septic systems. Program helps protect th...

Home Repair
Up to $5,000 assistance

Key West Water Lateral Repair Assistance

Cost-sharing program to assist Key West homeowners with repair or replacement of private water service laterals from the...

Home Repair
20% of qualified rehabilitation expenses

Federal Historic Rehabilitation Tax Credit

Federal income tax credit equal to 20% of qualified rehabilitation expenditures for certified historic structures used f...

Historic
Property tax exemption + sales tax exemption

Florida Solar Energy System Incentive

Florida law provides property tax exemption for residential solar installations, meaning added home value from solar pan...

Solar/Renewable

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Local help in Key West, FL

Organizations that help Key West homeowners with repairs, weatherization, and applications. We list these as a helpful resource; we are not affiliated with them and do not endorse them.

Frequently asked questions

What home-improvement assistance records are cataloged for Key West, FL?

The directory includes 21 possible-program records associated with Key West, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes. Inclusion does not confirm current availability or eligibility.

How are the assistance records for Key West classified?

Our classifier labels 15 records as grants, 2 as forgivable loans, and 3 as rebates in Key West. Classification can be incomplete; confirm the benefit type, lien, repayment, and conditions in the administrator's terms.

How do I research and apply for home repair assistance in Key West?

Each program page shows the source, application route, or contact we have on file. Confirm the current route, requirements, and any costs with the administering organization before applying. The current Grant Map homeowner fee is $0.