Arizona home improvement programs, told straight

A state-run program (Governor's Office of Resiliency), funded by the U.S. Department of Energy, that rebates upgrades to efficient HVAC and appliances — up to $14,000 total per household. Funded through 2029.

Income-qualified: household income at or below 150% of Area Median Income, or enrolled in LIHEAP, SNAP, or public assistance. For homeowners who live in the home; renters and multifamily are not yet eligible.

• Heat pump for space heating and cooling — up to $8,000
• Heat pump water heater — up to $1,750
• Insulation, air sealing, and ventilation — up to $1,600
• Electric load service center (panel) — up to $4,000
• Electric stove, cooktop, range, or oven — up to $840 (must replace a non-electric / gas appliance)
• Heat pump clothes dryer — up to $840

The rebate is not guaranteed to cover the full cost — you pay the balance to the contractor. You must use an Efficiency Arizona Qualified Contractor, and the program itself does not offer financing.

For customers of APS, Arizona's largest utility (~1.3 million customers across the Phoenix metro and central and northern Arizona). Available regardless of income, and stackable with Efficiency Arizona.

• Home Performance with ENERGY STAR — whole-home audit plus rebates
• AC / heat pump upgrade — about $200, plus $250 with air sealing
• Duct repair and sealing — about $250
• Insulation — about $250
• Cool Rewards smart thermostat
• Shade screen rebate
• Water heater timer — $200

Amounts change — verify the current figures on aps.com.

Not sure this fits your home? A free inspection tells you what's actually worth pursuing.

Federally funded and run through the Arizona Department of Housing. Covers insulation, air sealing, and cooling efficiency for income-eligible households.

Not sure this fits your home? A free inspection tells you what's actually worth pursuing.

Straight answer: there is no Arizona program that rebates window replacement directly. The real window-related money is shade screens — APS and SRP both rebate them.

Exterior shade screens block solar heat before it hits the glass, cutting cooling costs by roughly 15–25%. West- and south-facing windows deliver the most return.

New windows improve comfort and efficiency, but in our climate shade screens are often the higher-ROI move — and unlike windows, they're rebated.

Not sure this fits your home? A free inspection tells you what's actually worth pursuing.

No Arizona rebate program covers roof replacement directly — and any site that tells you otherwise is guessing. But there are three real ways homeowners pay for a roof here.

Insurance & storm claims

Monsoon and hail damage is often covered by your homeowner's insurance — and your only cost is the deductible already written into your policy. A licensed roofing contractor can inspect, document the damage, and meet your insurer's adjuster at the property. We can't file or negotiate the claim, and we make no assurance it will be covered — that's between you and your insurer.

We're a licensed roofing contractor — not a public adjuster or an insurance company. We document damage and estimate the work; we can't tell you what your policy covers or negotiate your claim. That's between you and your insurer. This isn't legal or insurance advice.

Federal home-improvement loans

FHA Title I Property Improvement Loan — up to $25,000, with roofing explicitly eligible. No home equity required, no income limit, terms up to 20 years; government-backed and obtained through HUD-approved lenders.

FHA 203(k) Rehabilitation Loan — rolls a roof (and other repairs) into a home purchase or refinance mortgage; roofing explicitly eligible.

These are loans, not free money — but they're a legitimate, government-backed way to finance a roof without tapping home equity or a predatory lender.

Grants & need-based help

USDA Section 504 Home Repair — rural areas only (town under ~35,000) and very-low-income (at or below 50% of area median income): loans up to $40,000 at 1% fixed, plus grants up to $10,000 for homeowners 62+ (forgiven after 3 years in the home); roof repair eligible. This excludes most of the Phoenix metro but can apply in outlying Queen Creek, San Tan Valley, and Buckeye-area fringe.

Arizona ROC Residential Recovery Fund — up to $30,000 to repair the defective work of a licensed Arizona contractor (requires a final order or judgment against that contractor). A real state safety net.

City home-repair programs — for example, the City of Phoenix runs a forgivable, deferred-payment repair loan for income-eligible owner-occupants (roof-eligible). Availability varies by city and by annual funding.

The free inspection is the same first step for all of these — we tell you what your roof actually needs, then you choose the path that fits.