Financial assistance for low-income, older, and disabled homeowners and renters
32 programs listed · 27 verified against the program's own website
If you are an older or disabled Hoosier homeowner, the single best first call is the local Area Agency on Aging through the INconnect Alliance at 1-800-986-3505 (or the FSSA Division of Aging at 800-713-9023). That one call opens the door to Medicaid waiver home modifications, options counseling, and referrals into most other categories below. For utility and weatherization help, the gateway is the Energy Assistance Program (EAP) through a local Community Action Agency, since qualifying for EAP automatically unlocks the major utility discount programs. For property tax relief, everything runs through the county auditor with a hard January 15 filing deadline. A recurring theme across income-tested programs: sharing your home usually raises the counted household income, so weigh it carefully before sharing your home with a renter.
Everything below, in one file you can print or take to an appointment.
Home modification and aging in place
PathWays for Aging Medicaid HCBS Waiver (Home/Environmental Modifications)
federal-in-stateOwners or renters
Type of help
service
Who runs it
Indiana Family and Social Services Administration (FSSA), Office of Medicaid Policy and Planning; delivered via managed care entities and local Area Agencies on Aging
What you get
Home modifications up to $20,000 lifetime; modification maintenance up to $1,000/year; assessment up to $628/project; vehicle modifications up to $15,000 every 10 years (2026 waiver module)
Who qualifies
60+
Income limit
Income no greater than 300% of the maximum SSI amount (2025/2026)
How to apply
Contact your local Area Agency on Aging to start the assessment (INconnect Alliance 1-800-986-3505); apply for Medicaid separately; service authorized through your assigned managed care entity. Landlord approval needed for rentals.
If you share your home:
this program does not clearly say how it treats another adult in the home. Confirm with the program before anyone moves in.
1-800-986-3505 (INconnect Alliance) or 800-713-9023 (FSSA Division of Aging)Official program page
Health and Wellness Medicaid HCBS Waiver (Environmental Modifications)
federal-in-stateOwners or renters
Type of help
service
Who runs it
FSSA, Office of Medicaid Policy and Planning
What you get
Environmental modification limits mirror the PathWays/A&D structure (home modification cap in the roughly $20,000 lifetime range per the shared waiver module) (2026)
Who qualifies
59 and under
Income limit
Income no greater than 300% of the maximum SSI amount (2025/2026)
How to apply
Contact your local Area Agency on Aging for assessment; apply for Medicaid; coordinate the service through your managed care entity.
If you share your home:
this program does not clearly say how it treats another adult in the home. Confirm with the program before anyone moves in.
Easterseals Crossroads, in partnership with Indiana's Bureau of Rehabilitative Services
What you get
Many services free (device demonstrations, short-term device lending library, refurbished equipment reuse). Alternative Financing Program offers low-interest loans to buy assistive technology; amounts vary by lender and item (2026)
Who qualifies
None (all ages)
Income limit
None for demos/lending/reuse; the Alternative Financing Program is credit-based, not income-capped
How to apply
Contact INDATA by phone or email to arrange a demonstration, borrow a device, or apply for Alternative Financing Program financing; browse the equipment exchange.
If you share your home:
this program does not count a home seeker's income, so sharing your home does not affect it.
317-466-2013 or toll-free 888-466-1314; tech@eastersealscrossroads.orgOfficial program page
Home repair and deferred maintenance
CDBG Owner-Occupied Rehabilitation (IHCDA Repairs to Your Home)
federal-in-stateHomeowners
Type of help
grant
Who runs it
Indiana Housing and Community Development Authority (IHCDA); delivered through local community administrators
What you get
Up to $25,000 per home (2025/2026)
Who qualifies
None specified
Income limit
Low-to-moderate income per HUD limits (generally at or below 80% AMI)
How to apply
Homeowners cannot apply to IHCDA directly. Contact the local community administrator listed for your county/city; if your community is not listed, ask your local government to apply for CDBG funds.
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.
Regional administrators vary (e.g. Southern Indiana Development Commission 812-295-3707; Southeastern Indiana Regional Planning Commission 812-689-5505)Official program page
OCRA CDBG Owner Occupied Rehabilitation (OOR) Program
federal-in-stateHomeowners
Type of help
grant
Who runs it
Indiana Office of Community and Rural Affairs (OCRA), CDBG program
What you get
State grants to communities commonly $300,000 to $500,000+; per-home rehab set locally, commonly up to about $25,000 (2025/2026 cycles)
Who qualifies
None specified
Income limit
Low/moderate income per HUD limits (references 2024 HUD Income Limits; generally at or below 80% AMI)
How to apply
Individuals do not apply directly. Non-entitlement (rural) local governments apply via the Indiana Electronic Grants Management System; eligible homeowners then apply to their local program.
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.
USDA Section 504 Single Family Housing Repair Loans and Grants
federal-in-stateHomeownersNot confirmed
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
Who runs it
USDA Rural Development, Indiana State Office
What you get
Loans up to $40,000 at fixed 1% for up to 20 years; grants up to $10,000 ($15,000 in declared disaster areas); combined up to $50,000 ($55,000 in disaster areas) (2025)
Who qualifies
None for loans; 62+ required for grants
Income limit
Household income at or below the county very-low-income limit (roughly 50% AMI band)
How to apply
Contact your local Indiana Rural Development area office; submit the Uniform Residential Loan Application and asset certification; accepted year-round.
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.
IHCDA, federally funded via US DOE, delivered through Local Service Providers / Community Action Agencies
What you get
No cash; free installation of energy-conservation measures. Average annual energy bill reduction of about $283/year (2026 per IHCDA)
Who qualifies
None, but elderly and disabled households are prioritized
Income limit
Up to 200% of the federal poverty level; automatic categorical eligibility if the household qualifies for the Energy Assistance Program (EAP) (2026)
How to apply
Contact your county's Local Service Provider (Community Action Agency) via the map on the IHCDA WAP page, or qualify via EAP.
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.
IHCDA 317-232-7777; apply through your local Community Action AgencyOfficial program page
NIPSCO Income Qualified Weatherization
utilityOwners or renters
Type of help
service
Who runs it
NIPSCO (utility), delivered by program administrator TRC
What you get
No-cost home HVAC analysis plus LED lighting, duct sealing, smart thermostats, aerators, showerheads, water heater pipe wrap, outlet gaskets; all materials and services free (2026, funds limited, first-come first-served)
Who qualifies
Account holder must be 18+; no other age qualifier
Income limit
Total household income at or below 200% of Federal Poverty Level on the 2025 tax return, OR receipt of LIHEAP/EAP, TANF, or SSI (2026 program year)
How to apply
Schedule via the NIPSCO online form or call program administrator TRC.
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.
Indiana Energy Saver (Home Energy Rebates: HOMES and HEAR)
federal-in-stateOwners or renters
Type of help
discount
Who runs it
Indiana Office of Energy Development (OED), funded by federal Inflation Reduction Act dollars
What you get
Program backed by $182 million (2025-2026). Federal HEAR caps run up to $8,000 for heat pumps and up to $14,000 total for low-income households; specific Indiana caps not published on the OED overview page
Who qualifies
None
Income limit
HEAR (appliance rebates) targets households below 150% of Area Median Income; HOMES (whole-home retrofit) is open to all income levels with larger rebates for lower income (2025-2026)
How to apply
Apply at www.IndianaEnergySaver.com (applications opened May 2025).
If you share your home:
this program does not clearly say how it treats another adult in the home. Confirm with the program before anyone moves in.
NIPSCO CARE Program (natural gas Universal Service Program) and Hardship Program
utilityOwners or renters
Type of help
discount
Who runs it
NIPSCO (utility), coordinated with IHCDA/Community Action Agencies
What you get
CARE reduces the bill by 15% to 32% depending on income; Hardship provides supplemental grant funds (2025-2026)
Who qualifies
None for CARE (companion SILVER program is for adults 60+)
Income limit
CARE: EAP-eligible customers (at or below 60% SMI) using natural gas heat are auto-enrolled. Hardship: 151% to 250% of Federal Poverty Level (2025-2026)
How to apply
Apply for EAP first through a local Community Action Agency (ihcda.rhsconnect.com); eligible EAP customers are auto-enrolled in CARE. CARE application period opens Oct 1, 2026.
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.
Dollar Energy Fund on behalf of I&M; delivered via community-based partner organizations
What you get
Maximum $250 per grant; one grant per utility per program year (10/1/2025 to 9/30/2026)
Who qualifies
Account holder must be an adult; no specific age threshold
Income limit
Total gross household income at or below 150% of the Federal Poverty Income Guidelines (2025-2026 program year)
How to apply
Use the Dollar Energy Fund Agency Finder to locate a partner agency; service must be off or threatened, with at least a $50 outstanding balance and at least $75 already paid on the account.
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.
CenterPoint Energy Indiana Customer Assistance Fund (CAF)
utilityOwners or rentersNot confirmed
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
grant
Who runs it
CenterPoint Energy (formerly Vectren); administered through a partner agency
What you get
Bill-assistance credit; specific per-customer amount not published (launched December 2024)
Who qualifies
None
Income limit
Income-qualifying customers; specific percentage not published on verified sources (2025-2026)
How to apply
Apply once per calendar year at centerpointenergy.com/CAF.
If you share your home:
this program does not clearly say how it treats another adult in the home. Confirm with the program before anyone moves in.
Indiana Department of Local Government Finance (DLGF); administered locally by the county auditor
What you get
$150 flat credit (2026 forward). The former deduction was the lesser of $14,000 or one-half of assessed value; SEA 1 (2025) removed the prior assessed-value cap for this benefit
Who qualifies
65+ (65 on or before Dec 31 of the year preceding the claim)
Income limit
$60,000 federal AGI (individual) / $70,000 (married-joint), 2026. The former deduction used a lower combined-AGI cap (historically about $30,000 individual / $40,000 combined)
How to apply
File the Application for Senior Citizen Property Tax Benefits (State Form 43708; DLGF's 2026 memo references State Form 12662 for the converted credit) with the county auditor. Deadline January 15 of the year taxes are first due (Jan 15, 2026 for newly eligible).
If you share your home:
this program does not clearly say how it treats another adult in the home. Confirm with the program before anyone moves in.
Over 65 Circuit Breaker Credit (property tax cap for owners 65 and older)
stateHomeowners
Type of help
exemption
Who runs it
DLGF; county auditor
What you get
Limits the increase in the homestead's property tax liability to no more than 2% over the prior year. Homestead assessed value must be under $240,000. Pay-2026 income thresholds (DLGF Cockerill memo): $34,494.86 individual / $45,993.15 combined
Who qualifies
65+ (65 on or before Dec 31 of the preceding year); surviving spouse 60+ in some cases
Income limit
Pay 2026: $34,494.86 individual AGI / $45,993.15 combined AGI (adjusted annually by Social Security COLA)
How to apply
File State Form 43708 (Application for Senior Citizen Property Tax Benefits) with the county auditor by January 15 of the year taxes are first due.
If you share your home:
this program does not clearly say how it treats another adult in the home. Confirm with the program before anyone moves in.
Homestead Standard Deduction and Supplemental Homestead Deduction (with new SEA 1 Homestead Credit)
stateHomeowners
Type of help
exemption
Who runs it
DLGF; county auditor
What you get
Standard deduction 2025 pay 2026 = lesser of $48,000 or 60% of assessed value, phasing down under SEA 1 to $40,000 (2026), $30,000 (2027), $20,000 (2028), $10,000 (2029), $0 (2030+). Supplemental deduction = a percentage of remaining value, phasing up: 40% (2026) to 66.7% (2031+). New Homestead Credit = 10% of the tax bill, capped at $300, on 2026 bills
Who qualifies
None
Income limit
None
How to apply
File the homestead deduction application (State Form 5473 / HC10) with the county auditor. Existing recipients need not reapply unless ownership changes. The supplemental deduction and the new homestead credit apply automatically once the standard deduction is granted.
Disabled Veteran Property Tax Deductions / new Veteran Credits
stateHomeowners
Type of help
exemption
Who runs it
Indiana Department of Veterans Affairs (eligibility certification) with DLGF / county auditor (filing)
What you get
Through 2025 pay 2026: totally disabled veteran (or age 62+ with 10%+ disability) deduction = $14,000 with assessed value cap $240,000; partially disabled wartime veteran (10%+) deduction = $24,960 (no cap); combinable up to $38,960. Effective Jan 1, 2026 (SEA 1): totally disabled veteran deduction becomes 100% of assessed value; the $24,960 deduction is replaced by a $350 credit; new $250 credit for veterans 62+ with 10%+ disability
Who qualifies
None for the totally disabled deduction; 62+ pathway for the partial-disability version and the new $250 credit
Income limit
None
How to apply
Obtain a Certificate of Eligibility for Disabled Veteran Property Tax Deduction; file the deduction (State Form 12662 per the DLGF 2026 memo) with the county auditor by January 15. Counties are expected to convert existing recipients to the new credits.
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
exemption
Who runs it
DLGF; county auditor
What you get
Former deduction = $12,480 off assessed value. SEA 1 credit (2026 forward) = $125 flat credit
Who qualifies
None (any age)
Income limit
Former deduction required taxable gross income under $17,000. The SEA 1 credit reportedly has no income limitation; confirm with the county auditor
How to apply
File the blind/disabled statement of eligibility (historically State Form 43710) with the county auditor by January 15, with proof of blindness/disability.
If you share your home:
this program does not clearly say how it treats another adult in the home. Confirm with the program before anyone moves in.
Indiana does not offer a general lien-based property tax deferral program for older homeowners or homeowners with disabilities. All relief is delivered as deductions, credits, or exemptions. The Over 65 Circuit Breaker Credit caps annual increases but does not defer taxes.
Insurance-related help
Indiana FAIR Plan (Indiana Basic Property Insurance Underwriting Association)
stateHomeowners
Type of help
service
Who runs it
Indiana Basic Property Insurance Underwriting Association (IBPIUA), regulated by the Indiana Department of Insurance
What you get
Access to last-resort property coverage (premiums charged, not free). Dwelling coverage up to $250,000; commercial up to $1,000,000 combined building/contents (2026)
Who qualifies
None
Income limit
None
How to apply
Apply through a licensed agent; must document declination letters from three separate/unrelated insurers. In-person appointments at the Indianapolis office.
Indiana SHIP (State Health Insurance Assistance Program)
federal-in-stateOwners or renters
Type of help
service
Who runs it
Indiana Department of Insurance, partnered with the federal Administration for Community Living
What you get
Free one-on-one Medicare counseling; helps compare Medicare, Medigap, Advantage, Part D, and long-term-care options, assists with claims/appeals, and screens for cost-assistance (Medicare Savings Programs, Extra Help/LIS)
Who qualifies
Any Medicare beneficiary (typically 65+, or under-65 disabled beneficiaries)
Income limit
None for counseling; the cost-assistance programs it screens for target limited income and assets
How to apply
Call the central office for in-person, phone, or virtual counseling; also available through local Area Agencies on Aging (e.g. CICOA, REAL Services).
No Indiana state program was identified that subsidizes homeowners' property insurance premiums for homeowners who are low income, older, or disabled. The FAIR Plan provides coverage access (not discounted premiums); SHIP addresses Medicare, not property insurance.
HomeShare-relevant extras
Silvernest / HomeShareOnline (national homeowner to home seeker matching platform)
nonprofitOwners or rentersNot confirmed
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.
Online matching, background checks, lease and payment tools; rent set by the homeowner. Historically a subscription/service fee, current fee not disclosed (2026)
Who qualifies
No strict limit; marketed to older adults and empty-nesters
Accessory Dwelling Unit (ADU) policy (local, no statewide mandate)
county-cityHomeownersNot confirmed
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.
Who runs it
Local city/county planning departments (home rule), e.g. Indianapolis Department of Metropolitan Development
What you get
n/a (zoning policy). Permit and plan-check fees in Indianapolis roughly $150 to $2,500 (2026)
How to apply
Apply for zoning certification plus a building permit through the local jurisdiction (Indianapolis: Department of Metropolitan Development).
IHCDA, delivered via local service providers (federal HOME funds administered in-state)
What you get
Subsidy toward rent, security deposit, and utility deposit; varies by household income, requested rent, and rent-reasonableness standards (2026)
Who qualifies
No age limit
Income limit
Income-qualified per HOME income limits; targeted to the reentry population (at least one member formerly incarcerated, exiting corrections within 6 months, or at risk of homelessness)
How to apply
Contact the local TBRA service provider (searchable by county on the IHCDA page) or IHCDA staff.
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.
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 Indiana 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.