Financial assistance for low-income, older, and disabled homeowners and renters
25 programs listed · 20 verified against the program's own website
If you own or rent a home in Louisiana and you are living on a low income, are an older adult, or have a disability, this page lists the help you can ask for and how to reach it. Two numbers open most doors. For anything to do with staying in your home as you age, in-home help, or moving out of a nursing facility, call Louisiana Options in Long Term Care at 1-877-456-1146. For energy bills, weatherization, and rental help, call the Louisiana Housing Corporation at (225) 763-8700. If you would rather start closer to home, the Governor’s Office of Elderly Affairs at (225) 342-7100 will point you to the aging agency for your parish. Verified July 25, 2026.
If you are thinking about sharing your home: the most important thing to know in Louisiana is that the Special Assessment Level, the property tax freeze for homeowners 65 and older, looks only at the owner’s own adjusted gross income on their federal tax return. The income of the person you share your home with is not counted. Rent you collect is taxable income to you, though, so it raises your own figure and could carry you over the $100,000 limit. The homestead exemption and the veteran exemptions have no income test at all, so sharing your home cannot affect them. The programs that do count everyone in the household are the energy ones: weatherization and energy assistance both measure your whole household’s income against a limit that rises with household size, so another adult moving in changes both the income counted and the limit. For everything else on this page, including the Medicaid waiver services, the repair programs, and the rental vouchers, the rules are not spelled out publicly, so confirm with the program directly before anyone moves in. One Medicaid rule is worth knowing in advance: Long Term-Personal Care Services will not pay for help that someone already living with you is providing, so another adult in the home can reduce the hours approved.
Everything below, in one file you can print or take to an appointment.
Home modification and aging in place
Community Choices Waiver (CCW): Environmental Accessibility Adaptations
stateOwners or renters
Type of help
service
Who runs it
Louisiana Department of Health, Office of Aging and Adult Services (OAAS)
What you get
Home modifications such as ramps, widened doorways, grab bars, and roll-in showers, provided as a covered waiver service. No dollar cap is published on the program page (2026).
Who qualifies
21 or older
Income limit
Must meet long-term care Medicaid eligibility. No separate dollar figure is published on the program page.
How to apply
Call Louisiana Options in Long Term Care at 1-877-456-1146 (TTY 7-1-1). You must be found to need a nursing home level of care.
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.
Louisiana Department of Health, Office of Aging and Adult Services (OAAS)
What you get
In-home help with bathing, dressing, grooming, toileting, walking or using a wheelchair, eating, and moving between surfaces, and it may also cover light housekeeping, cooking, grocery shopping, laundry, and medication reminders. Not 24 hour care (2026).
Who qualifies
21 or older
Income limit
Must receive Medicaid. No separate dollar figure is published on the program page.
How to apply
Call Louisiana Options in Long Term Care at 1-877-456-1146 (TTY 7-1-1).
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.
Home and Community Based Services through the Area Agencies on Aging
stateOwners or renters
Type of help
service
Who runs it
Louisiana Governor's Office of Elderly Affairs (GOEA)
What you get
Services delivered through the parish aging network, including home modification such as ramps and grab bars, homemaker help with chores, cleaning, meals, and shopping, personal care, home delivered meals, respite, assistive technology, and transportation. What is available and how much varies by parish (2026).
Who qualifies
Generally 60 or older
Income limit
Set by each parish agency and each service. Not published centrally.
How to apply
Call the Governor's Office of Elderly Affairs at (225) 342-7100 to be pointed to your parish agency, or use the Area Agencies on Aging directory on goea.la.gov. The Aging and Disability Resource Center network at adrcla.org is the other front door.
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.
Louisiana Assistive Technology Access Network, a statewide nonprofit
What you get
Free device demonstrations and short-term device loans, an assistive technology reuse and exchange, and alternative financing that lends money to buy equipment. In 2024 LATAN made $38,040 in cash loans, placed $40,629 in devices through its lease and revolving loan programs, and saved users $31,878 through reuse.
Who qualifies
No age requirement
Income limit
No income test for demonstrations, loans, or items from the AT Marketplace. A sliding fee scale is available for low income families.
How to apply
Call (225) 925-9500 or toll free (800) 270-6185, or visit latan.org. The demonstration center is at 10988 N. Harrell's Ferry Rd., Suite 5, Baton Rouge.
If you share your home:
this program does not count a home seeker's income, so sharing your home does not affect it.
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, Louisiana State Office
What you get
Grants and low-interest loans for repairs. The federal amounts are described on our nationwide programs page. The Louisiana office does not publish its own figures, so ask the state Rural Development office what applies to you.
Who qualifies
Any age for the loan, 62 or older for the grant
Income limit
Very low income, generally at or below 50% of area median income
How to apply
Contact the USDA Rural Development Louisiana State Office. Find current state contacts through rd.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.
Louisiana Office of Community Development, using federal disaster recovery block grant funds
What you get
Pays for repairs and reconstruction of a storm damaged home, and can reimburse repair work you already paid for. No dollar cap is published on the program site (2026).
Who qualifies
No age requirement
Income limit
Not published on the program site. Eligibility is driven by storm damage rather than by an income cutoff.
How to apply
Call 866-735-2001 or apply at restore.la.gov.
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.
Free critical health and safety repairs and accessibility upgrades, including roof work, weatherization, drywall, flooring, exterior painting, and safety modifications. No cost to the homeowner (2026).
Who qualifies
You must fit at least one category: 60 or older, a person with a disability, a veteran, a veteran's widow or widower, a single head of household with minor children, or a full time caregiver
Income limit
At or below 80% of area median income. No dollar figures are published on the eligibility page.
How to apply
Apply at rtno.org, call (504) 264-1815, or email info@rtno.org. Your name must be on the deed and you must have lived in the home for at least three years.
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.
Louisiana Housing Corporation, delivered by four regional provider agencies
What you get
No cost energy efficiency work including insulation, air sealing, weather stripping, and duct sealing. No dollar figure is published to households (2025 program year).
Who qualifies
No minimum age. A household with someone 60 or older gets extra waiting list priority.
Income limit
2025 program year: $31,300 for 1 person, $42,300 for 2, $53,300 for 3, $64,300 for 4, $75,300 for 5, $86,300 for 6, $97,300 for 7, and $108,300 for 8, rising about $11,000 for each additional person.
How to apply
Contact the regional provider for your area: Quad Area Community Action Agency in Hammond, (225) 209-0780; St. Mary Community Action Agency in Franklin, (337) 828-5784; DeSoto Parish Police Jury in Mansfield, (318) 872-0880; LaSalle Community Action Association in Ferriday, (318) 389-4810. The Louisiana Housing Corporation main line is (225) 763-8700.
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.
Low Income Home Energy Assistance Program (LIHEAP)
stateOwners or renters
Type of help
grant
Who runs it
Louisiana Housing Corporation, delivered by parish based local agencies
What you get
Three kinds of help: heating and cooling bill payment assistance, crisis bill payment assistance, and repair or replacement of heating and cooling equipment. Paid to your energy company (2026).
Who qualifies
No age requirement
Income limit
At or below 60% of state median income. 2026 limits: $30,618 for 1 person, $40,039 for 2, $49,460 for 3, $58,882 for 4, $68,303 for 5, and $77,724 for 6.
How to apply
Apply through your parish agency, listed in the provider directory on lhc.la.gov/energy-assistance, or online when the portal is open. Louisiana Housing Corporation: (225) 763-8700.
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.
Emergency bill payment help for older adults and people with disabilities, paid straight to the energy account. Funded by customer and employee donations matched by Entergy shareholders. Amounts are set locally and are not published (2026).
Who qualifies
Aimed at older adults
Income limit
Set by the local nonprofit that hands out the fund. Not published centrally.
How to apply
Contact the local nonprofit agency that runs The Power to Care in your parish. Entergy describes the program at entergy.com/care.
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.
Cleco CARE (Cleco Alternative Rate for Electricity)
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
discount
Who runs it
Cleco Power
What you get
Cleco has offered an income qualified discount on residential electric service under this name. Cleco does not publish the discount amount, so call Cleco to ask what it is currently worth.
Who qualifies
No age requirement
Income limit
Not confirmed. Eligibility has tracked the LIHEAP income guidelines.
How to apply
Ask Cleco about the Cleco Alternative Rate for Electricity, or ask your local community action agency when you apply for energy assistance.
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.
Your parish assessor, under Louisiana Constitution Article VII, Section 20
What you get
Exempts the first $7,500 of assessed value, which is $75,000 of fair market value at the 10% residential assessment ratio, from state, parish, and special ad valorem taxes (2026).
Who qualifies
No age requirement
Income limit
None. This exemption is not income tested.
How to apply
File with your parish assessor. You must own the home and occupy it as your primary residence. Once granted it generally carries forward year to year.
If you share your home:
this program does not count a home seeker's income, so sharing your home does not affect it.
Your parish assessor, under Louisiana Constitution Article VII, Section 18(G)
What you get
Freezes the assessed value of a home that already receives the homestead exemption at its level in the first year you qualify, so later reassessments cannot raise it while you stay qualified. It does not lower this year's bill; it stops future increases (2026).
Who qualifies
65 or older. Also open to a veteran with a service connected disability rating of 50% or more, to a person permanently and totally disabled by a final court judgment or by certification from a state or federal agency, and to surviving owners of service members killed in action or missing in action or held as a prisoner of war more than 90 days.
Income limit
Adjusted gross income on your federal tax return for the year before you apply must not exceed $100,000, adjusted every year by the Consumer Price Index starting with tax year 2026. If you file married filing separately, both returns are added together.
How to apply
Apply with your parish assessor and bring your federal tax return for the prior year.
If you share your home:
this program does not count a home seeker's income, so sharing your home does not affect it.
Your parish assessor, under Louisiana Constitution Article VII, Section 21(K)
What you get
Added on top of the standard homestead exemption. A service connected rating of 50% up to 70% exempts the next $2,500 of assessed value, with tax applying above $10,000 of assessed value. A rating of 70% up to 100% exempts the next $4,500, with tax applying above $12,000. A rating of 100% unemployability or total disability exempts all the remaining assessed value on a home receiving the homestead exemption (2026).
Who qualifies
No age requirement
Income limit
None. This exemption is not income tested.
How to apply
File with your parish assessor and bring your disability rating letter from the U.S. Department of Veterans Affairs.
If you share your home:
this program does not count a home seeker's income, so sharing your home does not affect it.
No Louisiana property tax deferral, circuit breaker credit, or renter credit was identified. Louisiana gives its property tax relief through the homestead exemption, the Special Assessment Level freeze, and the veteran exemptions, none of which postpone tax against a lien. For a homeowner that is good news: nothing here builds up a debt the home has to repay later. Renters, though, get no property tax relief in this state.
Insurance-related help
Louisiana Citizens Property Insurance Corporation
stateHomeowners
Type of help
insurance of last resort
Who runs it
Louisiana Citizens Property Insurance Corporation, a nonprofit corporation created by state law
What you get
Residential and commercial property insurance for applicants who are entitled to coverage but cannot get it in the voluntary market. By law its rates are not competitive with the private market, so it costs more, not less (2026).
Who qualifies
No age requirement
Income limit
None. What matters is being unable to get coverage elsewhere, not your income.
How to apply
Apply through any licensed Louisiana insurance agent. Policy, billing, and claim status: 1-888-568-6455, Monday to Friday 8:00 a.m. to 4:00 p.m.
If you share your home:
this program does not count a home seeker's income, so sharing your home does not affect it.
Grants to retrofit the roof of an insured home so it meets or exceeds the FORTIFIED roof standard and better resists hurricane, tornado, and other windstorm damage. The statute sets no maximum. Grant money received on or after January 1, 2025 does not count as taxable income on your Louisiana return.
Who qualifies
No age requirement
Income limit
No income test appears in the statute.
How to apply
Applications open in rounds through the Louisiana Department of Insurance. Call the department to ask when the next round opens, because its website could not be read here.
If you share your home:
this program does not count a home seeker's income, so sharing your home does not affect it.
Senior Health Insurance Information Program (SHIIP)
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
Louisiana Department of Insurance
What you get
Free, unbiased Medicare counseling by trained counselors, including plan comparisons and help spotting fraud. It sells nothing (2026).
Who qualifies
People on Medicare and the people who help them
Income limit
None for the counseling itself
How to apply
Contact the Louisiana Department of Insurance. No phone number is published on this page yet, because the two numbers in circulation could not be reconciled.
If you share your home:
this program does not count a home seeker's income, so sharing your home does not affect it.
Community Choices Waiver: Monitored In-Home Caregiving
stateOwners or renters
Type of help
service
Who runs it
Louisiana Department of Health, Office of Aging and Adult Services (OAAS)
What you get
A principal caregiver lives in the home with the waiver participant and helps with everyday self care such as dressing and bathing, as one of the services offered under the Community Choices Waiver. No dollar figure is published on the program page (2026).
Who qualifies
21 or older
Income limit
Must meet long-term care Medicaid eligibility
How to apply
Call Louisiana Options in Long Term Care at 1-877-456-1146 (TTY 7-1-1) and ask about Monitored In-Home Caregiving under the Community Choices Waiver.
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.
Louisiana Department of Health, Office of Aging and Adult Services (OAAS)
What you get
Help moving out of a nursing facility into a home or apartment of your own choosing: transition planning, help finding affordable and accessible housing, training in independent living skills, connection to community resources, visits for the first 365 days after the move, and transition funding when no other resource covers the need (2026).
Who qualifies
65 or older, or an adult with a physical disability that began at age 22 or later, living in a nursing facility
Income limit
Set by program eligibility rules tied to long-term care Medicaid
How to apply
Call Louisiana Options in Long Term Care at 1-877-456-1146 (TTY 7-1-1).
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.
Louisiana Housing Corporation rental vouchers and Permanent Supportive Housing
stateRenters
Type of help
voucher
Who runs it
Louisiana Housing Corporation
What you get
Several routes to rental help: Permanent Supportive Housing for people with very low incomes and long term disabling conditions, Project Based Vouchers tied to particular units, Emergency Housing Vouchers created under the American Rescue Plan Act, HUD-VASH vouchers for veterans who have been homeless, and the Non-Elderly Disabled (Mainstream) voucher (2026).
Who qualifies
Varies by voucher
Income limit
Very low income. Specific limits are set by each voucher program and by area.
How to apply
Call the Louisiana Housing Corporation at 225-763-8700, or write to 2415 Quail Drive, Baton Rouge, LA 70808. Program details and openings are posted at lhc.la.gov.
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.
Louisiana Housing Corporation, operated on the Emphasys Housing Locator platform
What you get
A free statewide rental listing search by city, parish, or ZIP code, with listings kept up to date by the property owners themselves, plus a toll free help line (2026).
Who qualifies
No age requirement
Income limit
None. The search is free to everyone.
How to apply
Search at lahousingsearch.org, or call the toll free help line at 1-877-428-8844.
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
Shared Housing of New Orleans, a nonprofit
What you get
Matches older homeowners and homeowners with disabilities to a person who needs a place to live. In the arrangement described, the home provider offers a room and board and the home seeker offers light housekeeping and companionship, with no money changing hands.
Who qualifies
Aimed at older adults and people with disabilities
Income limit
Not published
How to apply
No confirmed contact route. See the note below before trying to reach this organization.
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 Louisiana 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.