Financial assistance for low-income, older, and disabled homeowners and renters
24 programs listed · 22 verified against the program's own website
Georgia delivers most of this help locally, so for many programs the practical first calls are the Aging and Disability Resource Connection (ADRC) at 1-866-552-4464 for in-home supports, home modifications, and Medicare counseling; your local Community Action Agency for weatherization and energy help; and your county tax commissioner for property tax relief. Georgia has no single statewide homeshare platform and no statewide ADU mandate, so home sharing options come from the metro Atlanta program plus local referrals.
Everything below, in one file you can print or take to an appointment.
Home modification and aging in place
Medicaid Elderly and Disabled Waiver home modifications (CCSP and SOURCE)
state
Who it is for
Homeowners (or renter with landlord permission)
Type of help
service
Who runs it
Georgia Dept. of Community Health (DCH), Medicaid, operated with the Division of Aging Services via Area Agencies on Aging / ADRC
What you get
Environmental accessibility adaptations (home modifications) authorized in the care plan, plus emergency response services, personal support, adult day health, and home-delivered meals
Who qualifies
65+ (or 0 to 64 with a physical disability) who meet a nursing-facility level of care
Income limit
Medicaid long-term care financial limits (2026: about $2,901/mo individual income cap; $2,000 asset limit)
How to apply
Request an assessment through the Aging and Disability Resource Connection (ADRC) at 1-866-552-4464 or your local Area Agency on Aging
If you share your home:
this program does not count a home seeker's income, so sharing your home does not affect it.
Georgia Dept. of Community Affairs (DCA), using federal HOME funds
What you get
Owner-occupied housing rehabilitation delivered through local grantees (grants up to $500,000 to the local administrator; assistance per home set locally)
Who qualifies
any
Income limit
Low-income (HOME limits, generally at or below 80% of area median income)
How to apply
DCA does not fund individuals; apply through your local government, public housing authority, or nonprofit that received a CHIP grant. Contact your city/county housing office or DCA for a current grantee
If you share your home:
a home seeker's income counts toward this program's income test, so it can change what you qualify for.
We could not open this program's own website to
check these details, so they may be out of date or incomplete. Please call
or visit the program before relying on anything here.
Type of help
loan and grant
Who runs it
USDA Rural Development (Georgia State Office)
What you get
Loan up to $40,000 at 1% fixed for 20 years; grant up to $10,000 (age 62+); combined up to $50,000 ($55,000 in declared disaster areas)
Who qualifies
any for the loan; 62+ for the grant
Income limit
Very-low income (county-specific limits via the USDA eligibility site, 2026)
How to apply
Email GA502Applications@usda.gov or call 706-552-2541; confirm the property is in an eligible rural area
If you share your home:
a home seeker's income counts toward this program's income test, so it can change what you qualify for.
Georgia has no statewide program that pays home-repair grants directly to individual homeowners. State repair help flows through locally administered CHIP/CDBG grants, USDA Section 504 in rural areas, disaster-only HRRP, and local nonprofits (Rebuilding Together, Habitat, Area Agency on Aging minor-home-repair funds).
Weatherization and energy efficiency
Weatherization Assistance Program (WAP)
state
Who it is for
Owners or renters (renters served; owner-occupied focus, landlord permission needed for rentals)
Type of help
service
Who runs it
Georgia Environmental Finance Authority (GEFA), via local Community Action Agencies
What you get
Free energy audit, air sealing, insulation, HVAC repair/upgrade, and water/lighting efficiency measures
Who qualifies
any (priority for the elderly, people with disabilities, and families with children)
Income limit
At or below 200% of the Federal Poverty Level (2026)
How to apply
Apply through your local Community Action Agency (find yours via the GEFA WAP page); GEFA main line 404-584-1000
If you share your home:
a home seeker's income counts toward this program's income test, so it can change what you qualify for.
Georgia has no standing state-funded low-income energy-efficiency or rebate program beyond WAP. Additional efficiency help comes from utility programs (Georgia Power Home Energy Improvement rebates, EMC/municipal programs) and federal IRA/HEEHRA rebates administered as they roll out.
Utility bill assistance and discounts
Low Income Home Energy Assistance Program (LIHEAP)
federal-in-stateOwners or renters
Type of help
grant
Who runs it
Georgia Dept. of Human Services, Division of Family and Children Services (DFCS), via local Community Action Agencies
What you get
Energy bill payment assistance plus crisis intervention for heating/cooling emergencies that threaten health or safety
Who qualifies
any (early application window reserved for 65+ and homebound households)
Income limit
At or below 60% of Georgia's state median income (2026)
How to apply
Apply through your local Community Action Agency; statewide info 877-423-4746 or 1-800-436-7442
If you share your home:
a home seeker's income counts toward this program's income test, so it can change what you qualify for.
any (one path is age 65+ with income at or below 200% FPG)
Income limit
Qualify by any one path: age 65+ with household income at or below 200% of Federal Poverty Guidelines (2026: about $31,920 for 1, $43,280 for 2), OR receipt of SSDI, SSI, or a HUD Housing Choice Voucher
How to apply
Apply online at georgiapower.com/residential/assistance/income-qualified-discount.html
If you share your home:
a home seeker's income counts toward this program's income test, so it can change what you qualify for.
Standard homestead exemption (and HB 581 statewide floating homestead)
stateHomeowners
Type of help
exemption
Who runs it
County tax commissioner / board of assessors (state law, Georgia Dept. of Revenue)
What you get
$2,000 deducted from assessed value for county and school taxes (O.C.G.A. 48-5-44); HB 581 adds an optional statewide floating homestead cap tying taxable value growth to inflation in counties that did not opt out
Who qualifies
any owner-occupant
Income limit
none
How to apply
File once with your county tax commissioner/assessor by April 1 for the tax year
If you share your home:
this program does not count a home seeker's income, so sharing your home does not affect it.
Homestead exemptions for older adults (age 65 county $4,000; age 62 school up to $10,000)
stateHomeowners
Type of help
exemption
Who runs it
County tax commissioner / board of assessors (state law, Georgia Dept. of Revenue)
What you get
$4,000 off county taxes at age 65 (O.C.G.A. 48-5-47); up to $10,000 off school taxes at age 62 (O.C.G.A. 48-5-52). Many counties add larger local age-based and school exemptions on top
Who qualifies
62+ (school) or 65+ (county)
Income limit
Net income of applicant and spouse must not exceed $10,000 for the prior year; Social Security is excluded up to the annual maximum (about $96,432 in 2025)
How to apply
File with your county tax commissioner/assessor by April 1, with proof of age and income
If you share your home:
this program does not count a home seeker's income, so sharing your home does not affect it.
County tax commissioner / board of assessors (state law, Georgia Dept. of Revenue)
What you get
Exempts the increase in assessed value above the base year for county taxes (excludes bonded debt), effectively freezing county taxable value against inflation (O.C.G.A. 48-5-47.1)
Who qualifies
62+
Income limit
Combined household income not exceeding $30,000 for the prior year
How to apply
File with your county tax commissioner/assessor by April 1
If you share your home:
a home seeker's income counts toward this program's income test, so it can change what you qualify for.
We could not open this program's own website to
check these details, so they may be out of date or incomplete. Please call
or visit the program before relying on anything here.
Type of help
deferral
Who runs it
County tax official/tax commissioner (state law, O.C.G.A. 48-5-70 through 48-5-84)
What you get
Defers payment of homestead property taxes; deferred taxes plus interest become a lien repaid when the home is sold, transferred, or the owner dies. Applies only to the first $50,000 of assessed value
Who qualifies
62+
Income limit
Gross household income of $15,000 or less for the prior calendar year; deferral denied if total deferred taxes/interest plus other liens exceed 85% of the home's fair market value
How to apply
File with your county tax official on or before April 1 each year; must renew annually
If you share your home:
a home seeker's income counts toward this program's income test, so it can change what you qualify for.
Georgia has no state-run homeowners insurance premium assistance or discount program. Savings come from private-insurer discounts (age 55+/retiree, security systems, bundling, wind-mitigation) and from the FAIR Plan only as last-resort access, not price relief.
HomeShare-relevant extras
Atlanta Senior Home Share (HomeShare ATL)
nonprofitOwners or renters
Type of help
service
Who runs it
Dorothy C. Benson Senior Multipurpose Complex, in collaboration with Jewish Family and Career Services (JF&CS) Atlanta
What you get
Facilitated matching of older homeowners with vetted home seekers to share housing costs, utilities, and companionship
Who qualifies
older adults (home providers) and home seekers of various ages
Income limit
none
How to apply
Contact the Dorothy C. Benson Complex at 404-613-4900 (Sandy Springs / metro Atlanta)
Georgia has no statewide law requiring cities to allow accessory dwelling units (ADU rules are set locally; Atlanta and a few cities have loosened them) and no statewide renter property tax credit or rebate. Renters can still access LIHEAP, WAP (with landlord permission), and Project SHARE.
Programs that work the same in every state
Some of the biggest sources of help are federal and work much the same everywhere, including USDA Section 504 home repair, LIHEAP energy assistance, the Weatherization Assistance Program, and VA housing grants. They are described once, in detail, on our federal programs page, and the entries above give you the Georgia contacts.
One more option
Sharing your home is not on this list, but it belongs beside it.
Every program here helps you afford the home you have. Home sharing does something different: it turns a spare room into steady income and company. It is worth considering before you sell, before you move, and before things get harder to manage alone.