Financial assistance for low-income, older, and disabled homeowners and renters
29 programs listed · 24 verified against the program's own website
This page is for Kansas homeowners and renters who are living on a low or fixed income, are getting older, or are living with a disability, and who want to know what help exists with repairs, energy bills, property taxes, and insurance. Verified 2026-07-25 against Kansas state agency and official utility sources. For each program below, this page also says whether sharing your home could affect your eligibility. Where a program does not spell that out, check with the program before someone moves in.
Where to start: for aging in place and home modifications, call the statewide Aging and Disability Resource Center (ADRC) at 1-855-200-2372. For property tax relief, the Kansas Department of Revenue at 785-368-8222 (the free WebFile tool automatically picks the largest of the three refund programs you qualify for). For utility and heating bills, Kansas DCF LIEAP at 1-888-369-4777. For a coverage-of-last-resort insurance question, the Kansas FAIR Plan at 800-777-1513.
If you are thinking about sharing your home: most of the money programs in Kansas count everyone’s income, not just yours. LIEAP, weatherization, CDBG repair help, USDA Section 504, and Tenant Based Rental Assistance all add up the whole household, so a home seeker’s income counts. The Homestead Refund and SAFESR also require you to report the income of other people who lived with you. The SVR tax freeze uses a different income definition that excludes Social Security, and it is not clear whether it sweeps in an unrelated home seeker, so ask the Department of Revenue first. Programs with no income test at all, where sharing your home changes nothing, include the Cold Weather Rule, Assistive Technology for Kansans, the K-Loan, SHICK Medicare counseling, the Kansas FAIR Plan, and Evergy’s standard efficiency rebates.
Everything below, in one file you can print or take to an appointment.
Home modification and aging in place
Frail Elderly (FE) HCBS Medicaid Waiver
stateOwners 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check these details, so they may be out of date or incomplete.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
service
Who runs it
Kansas Department for Aging and Disability Services (KDADS), delivered through KanCare Medicaid
What you get
Home and Environmental Modification Services are a covered waiver service authorized through the person-centered plan; no flat dollar cap published on the KDADS page (2026)
Who qualifies
65 or older
Income limit
Must be financially eligible for Medicaid; no dollar figure published (2026), determined by the KanCare Clearinghouse
How to apply
Call the Aging and Disability Resource Center (ADRC) at 1-855-200-2372 for options counseling and a referral for a functional eligibility assessment. General questions about the waiver process go to the Kansas HCBS assessing organization, Maximus, at 785-268-3600 or Ask-KSHCBS@maximus.com. Apply for KanCare itself at applyforkancare.ks.gov or through the KanCare Clearinghouse at 1-800-792-4884
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.
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
service
Who runs it
Kansas Department for Aging and Disability Services (KDADS), delivered through KanCare Medicaid
What you get
Home and Environmental Modifications are a covered service authorized through the person-centered plan; no flat dollar cap published (2026)
Who qualifies
At least 16 and no older than 64
Income limit
Must be financially eligible for Medicaid; no dollar figure published (2026), spend-down handled by the KanCare Clearinghouse
How to apply
Call the ADRC at 1-855-200-2372 for options counseling and a referral for a functional eligibility assessment. General questions about the waiver process go to the Kansas HCBS assessing organization, Maximus, at 785-268-3600 or Ask-KSHCBS@maximus.com. Apply for KanCare itself at applyforkancare.ks.gov or through the KanCare Clearinghouse at 1-800-792-4884
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.
University of Kansas (Life Span Institute), statewide Kansas AT Act program
What you get
No-cost core services (2026): device demonstration, short-term equipment loan up to 4 weeks, no-cost refurbished durable medical equipment reuse, and funding navigation for home modifications
Who qualifies
Any age
Income limit
None for core services (2026)
How to apply
Call the toll-free line or a regional office; equipment loans via the ATK Device Loan System application; funding staff help identify and apply for home-modification funding sources
Aging and Disability Resource Center (ADRC) / Kansas Area Agencies on Aging
stateOwners or renters
Type of help
service
Who runs it
KDADS, delivered locally through 11 Area Agencies on Aging
What you get
No direct cash benefit; free information, referral, and person-centered options counseling; the gateway to the FE and PD waivers that fund modifications (2026)
Who qualifies
Any age
Income limit
None; services provided regardless of income (2026)
How to apply
Call the statewide ADRC call center or the regional Area Agency on Aging. General questions about the FE and PD waiver process go to the Kansas HCBS assessing organization, Maximus, at 785-268-3600 or Ask-KSHCBS@maximus.com
USDA Single Family Housing Repair Loans and Grants (Section 504)
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
grant
Who runs it
USDA Rural Development (Kansas state office)
What you get
Grant up to $10,000 lifetime (age 62+); loan up to $40,000 at 1% fixed over 20 years; combined cap $50,000 (2026 figures)
Who qualifies
Grant requires age 62 or older; loan has no age minimum
Income limit
Household income at or below the county very-low-income limit (roughly 50% of area median income); varies by Kansas county (2026)
How to apply
Apply year-round through the local USDA Rural Development office; Kansas email KSDirect@ks.usda.gov
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.
National program line 800-414-1226; Kansas RD KSDirect@ks.usda.govOfficial program page
Kansas Department of Commerce (administers CDBG for non-entitlement areas); delivered locally by cities and counties
What you get
Up to $300,000 to a local grantee; statewide 2026 Housing Rehabilitation and Demolition allocation $1,200,000; per-household benefit set in each local program's guidelines
Who qualifies
No age requirement
Income limit
Low- to moderate-income households based on HUD Section 8 income limits (2026); specific figures set locally
How to apply
Homeowners apply through their local city or county government, which receives and administers the CDBG award; 2026 city application deadline October 16, 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.
KHRC / Kansas Gas Service Weatherization Repair Assistance
utilityOwners or renters
Type of help
grant
Who runs it
Kansas Housing Resources Corporation (KHRC) in partnership with Kansas Gas Service, delivered through WAP providers
What you get
Up to $5,000 in weatherization-related home repair assistance per home (figure on the KHRC weatherization page, fetched 2026-07-25; program year not stated)
Who qualifies
No age minimum (follows WAP elderly priority)
Income limit
Follows Weatherization Assistance Program limits, at or below 200% of the federal poverty level (2024-2025 examples published; confirm current year)
How to apply
Apply through the local WAP service provider / KHRC; funds address repairs that would otherwise block weatherization work
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.
Kansas Housing Resources Corporation (KHRC); delivered through regional community action / weatherization providers
What you get
No cash to applicant; free energy audit plus weatherization upgrades (air sealing, insulation, heating/cooling repair or replacement). Per-home average spending set annually by DOE
Who qualifies
Any age; elderly households are a priority category
Income limit
At or below 200% of the federal poverty level; SSI, TANF, and LIEAP recipients are automatically income-eligible. Live KHRC table appears to show stale 2021 figures; confirm current year
How to apply
Contact your county's local weatherization provider (use the KHRC provider map) or apply through the KHRC portal; renters need landlord consent
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.
Evergy (investor-owned electric utility), regulated by the Kansas Corporation Commission
What you get
Rebates for measures installed Jan 1, 2026 through Dec 31, 2027: central AC $400-$600; air-source heat pump $500-$1,000; ground-source and mini-split $150-$1,000; air sealing about $0.04/sq ft; plus ceiling insulation and duct sealing rebates
Who qualifies
Any age
Income limit
None for standard rebates (2026)
How to apply
Apply through Evergy's Ways to Save rebate portal at evergy.com; equipment must be AHRI-certified
Kansas Home Rebates Program (Home Efficiency Rebates and Home Electrification and Appliance Rebates)
federal-in-stateOwners or renters
Type of help
rebate
Who runs it
Kansas Energy Office, within the Kansas Corporation Commission (KCC)
What you get
Not yet available. Kansas is allocated $52.9 million for Home Efficiency Rebates (HER) and $52.6 million for Home Electrification and Appliance Rebates (HEAR), but no household rebate amounts are published and the application portal is not open (July 2026)
Who qualifies
Any age
Income limit
Not published for Kansas yet. The Kansas Energy Office says the program is being designed to reach households most in need of energy cost savings
How to apply
Nothing to apply for yet. Sign up for updates at kshomerebates.gov; the application portal opens only after the U.S. Department of Energy approves the Kansas plan and transfers the funds. Homeowners, landlords, and renters with landlord permission will be 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.
One-time annual heating benefit; average about $680 in 2025; individual amount varies by income, household size, fuel type, and rates (2026 cycle)
Who qualifies
None (must be the adult responsible for heating costs)
Income limit
At or below 150% of the federal poverty level (2026): about $1,956/month gross for 1 person up to $6,769 for 8, plus $688 per additional person
How to apply
Apply online at dcf.ks.gov during the Jan 20 to Mar 31, 2026 window; bring ID, proof of income, heating utility bills, and rental agreement if applicable
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.
No cash benefit; prevents winter disconnection and spreads arrears over a 12-month payment plan (2025-2026 season)
Who qualifies
None
Income limit
None (not income-tested; available to all residential customers of KCC-regulated utilities)
How to apply
Contact your utility to make pay arrangements; agree to pay 1/12 of the overdue balance plus 1/12 of the current bill, with the remainder spread over 11 months
Bill / emergency energy assistance funded by voluntary customer and employee donations; amount not published (2026). Free Budget Billing also offered
Who qualifies
None specified
Income limit
Not published (eligible customers in need)
How to apply
Apply via blackhillsenergy.com/community/black-hills-cares; Budget Billing enrollment is free via the customer account
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.
Black Hills Energy general customer service (confirm current number)Official program page
Property tax relief
Kansas Homestead Refund (Form K-40H)
stateHomeowners
Type of help
exemption
Who runs it
Kansas Department of Revenue
What you get
2025 tax year: refund up to a maximum of $700, on a sliding scale by household income. This is a refund/credit of property taxes paid, not an up-front exemption and not a deferral
Who qualifies
55 or older (born before Jan 1, 1970) for the age pathway; age not required via disability, disabled-veteran, or dependent-child pathways
Income limit
2025 tax year: household income $43,389 or less; home appraised value must be $350,000 or less
How to apply
File Form K-40H via Kansas WebFile (free) or paper form; filing window Jan 1 to Apr 15, 2026 for tax year 2025
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.
SAFESR (Kansas Property Tax Relief for Low Income Seniors, Form K-40PT)
stateHomeowners
Type of help
exemption
Who runs it
Kansas Department of Revenue
What you get
2025 tax year: refund of 75% of the general property taxes actually and timely paid on the principal residence, with no $700 cap. This is a refund/credit, not a deferral
Who qualifies
65 or older for all of the year (born before Jan 1, 1960)
Income limit
2025 tax year: household income $25,380 or less
How to apply
File Form K-40PT via Kansas WebFile (free) or paper form; Jan 1 to Apr 15, 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.
SVR (Property Tax Relief for Seniors and Disabled Veterans, Form K-40SVR)
stateHomeowners
Type of help
exemption
Who runs it
Kansas Department of Revenue
What you get
2025 tax year: refund equal to current-year property tax minus a fixed base-year amount, so it operates as a FREEZE at the base-year level. Base years before 2021 are deemed 2021. No fixed dollar cap. It is a refund/freeze, not a deferral and not an up-front exemption
Who qualifies
65 or older for the entire base year, OR any age if a qualifying disabled veteran (50%+ service-connected)
Income limit
2025 tax year: household income $58,041 or less; base-year home appraised value $350,000 or less. Uses Kansas Adjusted Gross Income and excludes Social Security
How to apply
File Form K-40SVR via Kansas WebFile or paper form; Jan 1 to Apr 15, 2026
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.
No statewide property tax deferral program exists in Kansas. Kansas relief is delivered as refunds, not deferrals.
That overview lists only three programs, the Homestead refund, SAFESR, and the 2022 tax freeze, and describes no standalone exemption for disabled veterans or older adults and no deferral. Unlike many states, Kansas offers no up-front homestead exemption for disabled veterans. A disabled veteran benefits by filing K-40H or K-40SVR.
Insurance-related help
Kansas FAIR Plan (Fair Access to Insurance Requirements)
stateOwners or renters
Type of help
service
Who runs it
Kansas FAIR Plan, a not-for-profit insurers' association authorized under the Kansas Insurance Department framework
What you get
Access to basic property and casualty insurance for applicants unable to obtain coverage in the voluntary market; applicant still pays premiums (not a subsidy)
Who qualifies
None
Income limit
None (based on inability to obtain voluntary-market coverage, not income)
How to apply
Apply through a licensed insurance agent, who submits via the online system at my.ksfairplan.com
Senior Health Insurance Counseling for Kansas (SHICK)
federal-in-stateOwners or renters
Type of help
service
Who runs it
Kansas Department for Aging and Disability Services (KDADS)
What you get
Free one-on-one Medicare counseling on Medicare, Medigap, Part D, Medicare Advantage, and long-term care coverage; not a monetary benefit
Who qualifies
Medicare beneficiaries (typically 65+, also younger people eligible via disability)
Income limit
None (not income-tested)
How to apply
Call the SHICK hotline or contact a local SHICK coordinator or volunteer counselor; no application required
1-800-860-5260 (SHICK hotline); KDADS 785-296-4986; TTY 785-291-3167Official program page
No state homeowners or property insurance premium subsidy has been identified. The Kansas Department of Insurance consumers page offers shopper's guides and education but no premium financial assistance. The FAIR Plan provides access to coverage but not premium subsidies.
Kansas Department of Insurance Consumer Assistance Division
stateOwners 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
service
Who runs it
Kansas Department of Insurance (KDOI)
What you get
Free consumer assistance, complaint mediation against insurers and agents, and insurance education; no monetary benefit
Who qualifies
None
Income limit
None
How to apply
File a complaint online at insurance.kansas.gov or contact the Consumer Assistance Division by phone
No dedicated Kansas homeshare organization; referral guidance
nonprofitOwners or renters
Type of help
service
Who runs it
Referrals: Kansas Area Agencies on Aging (11 regional AAAs) and national platforms such as HomeShare Online (formerly Silvernest)
What you get
AAA information and referral is free; national online matching platforms charge a host/guest subscription fee
Who qualifies
AAA services generally target age 60+; matching platforms open to adults generally
How to apply
Contact your regional Kansas Area Agency on Aging, either through the statewide ADRC line or through the agency websites listed at the link, or use a national platform for self-directed roommate matching and screening
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 Kansas 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.