住宅修繕と断熱・省エネ改修
古くなった屋根、暖房、配管は、安全面でも家計の面でも負担になります。対象となる持ち家の方（場合によっては賃借人）の修繕や省エネ改修を支援する制度です。
このガイドは現在、英語のみでご提供しています。ご質問は (901) 286-1035 またはメール [email protected] までお問い合わせください。
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Numbers to know
- 911Emergency Services (911)24/7
- 988988 Suicide & Crisis Lifeline24/7
- 1-800-222-1222Poison Help Line24/7
- 2-1-1LINC 2-1-1 (Memphis Public Libraries & United Way)Library-based staff: Monday-Friday, 10 a.m.-6 p.m.
| Organization | What they offer | Who qualifies & cost | How to apply | Contact |
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| 901HELP Memphis Homeowner Empowerment Loan Program (United Housing, Inc.) official websiteCity of Memphis, TN | Low-interest 10-year home repair loans of $5,000 to $25,000 for low-to-moderate-income Memphis homeowners, backed by the City, LISC, and Regions Bank. Eligible work includes health and safety fixes (lead removal is required where present), electrical, plumbing, furnace and roof replacement, energy efficiency, and doors, windows, and porches. | Owner-occupant 12+ months of a single-family or duplex home in Memphis; income limits start at $51,050 (1 person) and $58,350 (2 people); current insurance and taxes (or payment plan); no active bankruptcy; credit score 560 or higher per program materials.Cost: Low-interest loan, $5,000-$25,000, 10-year term | Apply online through the United Housing 901HELP page or call to request a paper application. |
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| City of Memphis Lead Safe Memphis Office Program official websiteCity of Memphis, TN | A City of Memphis program that provides free lead-hazard reduction services to income-eligible residents. A child age 6 or younger must live in, or frequently visit, the home. The City's pages do not post income limits or an application form, so call the housing office to ask whether you qualify and how to apply. | Income-eligible residents; a child age 6 or younger must live in or frequently visit the home. Income limits are not posted.Cost: Free for eligible residents | Call the Housing and Community Development housing office and ask for the Lead Safe Memphis program. |
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| Habitat for Humanity of Greater Memphis - Aging In Place Home Repair official websiteCity of Memphis, TN | Free critical repairs and accessibility upgrades, such as ramps and safety modifications, for older Memphis homeowners. It is a grant with no upfront cost, but cosmetic work and rental properties are excluded. | Age 62+; owner-occupant inside Memphis city limits who owns no other property; current homeowners insurance; taxes and mortgage current; within HUD income limits (for example $32,450 for one person, $37,100 for two); proof of ownership and ID.Cost: Grant; $19 recording fee; pro-rated repayment if sold within 5 years | Call the Aging In Place hotline on a scheduled call-in date and leave your name, address, and phone; only the first 175 callers are taken. Check the program page for the next date. All household members must pass a sex offender registry check, and past Aging In Place recipients are not eligible. |
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| Habitat for Humanity of Greater Memphis - ReStore official websiteMemphis / Shelby County, TN | A Habitat-run store selling donated furniture, appliances, decor, and building supplies at low prices, with two Memphis-area locations and online shopping. It also takes item donations (with pickup for large items) and runs a deconstruction program that salvages usable materials from homes. Sales help fund Habitat's home repair and homebuying programs. Useful for stretching a repair budget. | Check with providerCost: Retail prices; donations are accepted | Visit a store during open hours, shop online, or call to arrange a donation pickup. |
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| MLGW Share the Pennies / TVA Home Uplift Home Weatherization official websiteShelby County, TN | Free energy-efficiency repairs for income-eligible Shelby County homeowners, funded partly by MLGW customers who round up their bills. Since May 5, 2026 it is combined with TVA Home Uplift and run by TVA, not MIFA. Work can include insulation, doors and windows, HVAC and water heater repairs, and safety detectors. Windows have been short, so check current status. | Age 18+; own and live in the home in Shelby County with the property in your name; MLGW utility account in your name; household income under federal-poverty-based thresholds (exact limit not posted on the pages checked).Cost: Free for qualified homeowners | Start at mlgw.com/sharethepennies, which points to the Home Uplift application on energyright.com, or call 1-833-698-7543. MLGW's most recent announced window was May 5-6, 2026; confirm whether applications are open now. MLGW residential customer line: (901) 544-6549. |
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| THDA Emergency Repair Program (ERP) official websiteTennessee, including Shelby County | State grants for low-income homeowners who are elderly (60+) or disabled to fix an essential system or critical structural problem that threatens life, safety, or health. It stabilizes the home rather than renovating it. You do not apply to THDA directly; you apply through the local ERP agency for your region, so call THDA to find the right one for Shelby County. | Homeowner age 60+ or disabled; low income; must occupy the home as a principal residence. Income limits and maximum grant not posted on the page checked.Cost: Grant | Contact your local ERP agency (THDA's ERP Agency Contacts list shows who serves Shelby County). THDA statewide line: (800) 228-8432. |
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よくある質問
Does MLGW have programs to lower my energy use?
MLGW lists EnergySmart Memphis among its customer programs. Contact MLGW or visit its website for current details and eligibility.
I'm a renter and something is broken. Who handles repairs?
Notify your landlord in writing for non-emergency repairs, as recommended by HELP4TN's legal information for renters. For unsafe conditions, contact local Building Codes or the Health Department. See the Tenant Rights section for free legal help.
一時停止中または終了したプログラム：再度ご確認ください
前回の確認時点では、これらのプログラムは申請を受け付けていませんでした。毎年または季節ごとに再開するものも多いため、公式ページを確認するか、お電話でお問い合わせください。
| Organization | What they offer | Who qualifies & cost | How to apply | Contact |
|---|---|---|---|---|
| City of Memphis Residential Repair and Rehabilitation Assistance Program (RRRAP) official websiteClosedCity of Memphis, TN | A City pilot program that pays for structural, health, safety, and accessibility repairs that kept homes from qualifying for weatherization (for example roof damage or unsafe wiring), so the home can then receive energy-saving upgrades. It replaced the City's earlier standalone weatherization program. As of the date checked, the interest form was closed and the City was working through applications already received. | Low- to moderate-income households with homes in Memphis that were previously deferred from repair or weatherization programs; owner-occupied and some rental properties. Income limits not posted.Cost: Free to qualified households (HUD/CDBG-funded) | Interest form is closed. Check the program page or call HCD to ask when intake reopens. Be ready with 60 days of income proof, 3 utility bills, homeowners insurance, proof of property tax payment, and recent mortgage statements. | |
| Memphis RAMP (Residential Accessibility Modification Program) official websiteClosedCity of Memphis, TN | No-cost accessibility upgrades for eligible Memphis homeowners who are 62 or older or have a disability: entry ramps, bathroom grab bars, walk-in showers or tubs, raised toilets, and accessible controls. The City accepts applications only during short intake windows. The 2026 window was February 23-27, so check the City site or call to learn when the next one opens. | Primary residence in Memphis; age 62+ or a person with a disability; household income at or below 80% of area median income; current on mortgage, taxes, insurance, and utilities.Cost: Free to qualified homeowners (HUD/CDBG-funded) | Apply through the Memphis RAMP page at memphistn.gov during an intake window. Questions: HCD at (901) 636-6500. |
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