Pinellas County Home Repair Programs & Grants (2026)

Every official home repair, hurricane repair and window or impact-window help program we could find for Pinellas County homeowners, what each pays for, who qualifies, and whether it's open, checked on each program's own page.

By Patrick & Dylan · Florida Certified General Contractor, Lic. #CGC1541672 · November 1, 2026

Looking for help paying for home repairs? We checked every official program we could find for Pinellas County on its own website. Statuses below are as each program's page showed them on November 1, 2026. Programs open and close as funding comes and goes, so call before you count on one.

One thing to know first: we're a contractor, not a program administrator. Each program chooses or approves contractors under its own rules, and we can't apply for you or promise you'll be approved. Several programs also say not to start work before approval, and some won't pay for work already done.

Quick answer: what's open right now?

Hurricane-damaged homes outside St. Petersburg: Pinellas Recovers' rehabilitation and reimbursement programs are open (updated October 28, 2026).
St. Petersburg: the city's rebate program for residential rehabs (up to 40%) says its application period is open.
Impact windows, doors and roof hardening: My Safe Florida Home invites homeowners to create an account, with inspections opening in phases, and Florida's new sales tax refund on impact windows and doors (up to $500) is open.
Closed: Pinellas County's Home Repair Program (since May 4, 2026) and its Hurricane Home Repair grant.

Pinellas County Home Repair Program (closed, waitlist)

Pinellas County's Housing and Community Development office runs a home repair loan program for income-eligible homeowners. It closed to new applications at 5 p.m. on May 4, 2026. The county says you can call (727) 464-8210 to be added to a waitlist for when it reopens (Pinellas County).

When it's open, the county's information statement describes it this way (Pinellas County):

Pays for: "Roof systems and soffit/fascia; air conditioning/heat systems; housing code related electrical upgrades; windows and exterior doors."
Help: 0% loans from $10,000 up to $75,000, permanently deferred, reduced by 5% of the original amount each year and forgivable after 20 years.
Who qualifies: owner-occupied primary homes assessed at no more than $375,000, households at or below 80% of area median income, and other conditions. Homes inside the city limits of Belleair Shore, Clearwater, Largo and St. Petersburg are excluded; Clearwater, Largo and St. Petersburg run their own programs.
Contractors: "Program staff will prepare a scope of work and submit to pre-approved program general contractors for bidding," and loans can't reimburse repairs already completed.

The county's Independent Living Program (ramps, grab bars, tub-to-shower conversions, wider doors) is offered together with the home repair loan, so it's effectively closed too; call the county to confirm. The county's pages give different grant amounts for it ($10,000 on one page, $20,000 on another), so ask the county (Pinellas County).

The county's separate Income Eligible Hurricane Home Repair Program (grants for Helene and Milton damage) says it has reached capacity and is closed (Pinellas County).

Pinellas Recovers hurricane repair programs (open, outside St. Pete)

Pinellas County's "People First" recovery programs use federal disaster recovery (CDBG-DR) funds and cover all of Pinellas except the City of St. Petersburg, which has its own funding (Pinellas Recovers). Both homeowner programs below were listed as open, with pages last updated October 28, 2026:

Homeowner Rehabilitation/Reconstruction: "Up to $375,000 to rehabilitate, rebuild or relocate your home," as a forgivable five-year mortgage. It covers "Repairing or replacing hurricane damaged roofs, windows, septic tanks, etc." for primary homes damaged by Idalia, Helene and/or Milton, owned and occupied then and still owned now, with household income up to 120% of area median income (Pinellas Recovers). You can't pick your own contractor: the program's FAQ says it uses a list of contractors it has contracted for the work (FAQs).
Homeowner Reimbursement: "Up to $50,000 to reimburse you for documented repairs you've already completed." Repairs must be fully complete before you apply, and "All completed repairs must have been permitted and meet code compliance" (Pinellas Recovers). That's one more reason to make sure storm repairs are permitted.

The Pinellas Recovers Help Center is at (727) 606-3307, Monday through Friday, 8 a.m. to 5 p.m.

City of St. Petersburg programs

Rebates for Affordable Residential Rehabs (open): the city says "The application period is open." It offers "a rebate of up to 40% for the pre-approved construction value" for work including structural repairs, roof replacement, window and door replacement, HVAC, insulation and kitchen or bath upgrades. Households must be at or below 120% of area median income, applicants must invest at least $10,000 per unit, and work must be done by licensed contractors. Rebates go first-come, first-served until funding runs out (City of St. Petersburg).
Housing Rehabilitation Assistance (status not stated): 0% home repair loans for problems such as leaking roofs, electrical hazards and plumbing, forgiven after 10 years of continued occupancy, plus accessibility help up to $20,000 ($5,000 grant and $15,000 loan). It's for owner-occupied single-family homes in the city at or below 80% of area median income (120% in the CRA) worth no more than $481,176. The page doesn't say whether it's taking applications; call (727) 892-5554 (City of St. Petersburg).
Sunrise St. Pete Residential Recovery (paused): the city says "Grant applications are currently paused; new applications are not being accepted at this time," and that reopening isn't guaranteed (City of St. Petersburg).

City of Clearwater Home Preservation Program

Clearwater offers up to $60,000 as a 0% home rehabilitation loan for code-related improvements, with roof, plumbing, A/C and electrical repairs as priorities, and up to $15,000 in grants for accessibility improvements. It's for homesteaded homes inside city limits, with priority for special-needs households, essential services personnel, and households at or below 80% of area median income; the city lists U.S. citizenship or permanent residency as a requirement and excludes mobile and manufactured homes. The city says it is still accepting applications, "but applications will not advance until funding becomes available" (City of Clearwater).

City of Largo Home Improvement Program

Largo offers 0% deferred loans, forgiven if you stay in the home for 15 years, for roofs, electrical, plumbing, A/C, energy efficiency and accessibility, plus up to $5,000 energy and barrier-removal grants. Homes must be inside Largo city limits and owner-occupied, under a just-value cap ($318,665 or $487,605 depending on the funding source), and not in a special flood hazard area or the coastal high hazard area. The city works from a prioritized wait list; call (727) 586-7489 ext. 7314 to pre-screen (City of Largo). Largo says it will help you select a contractor and manage the work, and contractors apply to become approved for the program (contractor guide).

Other Pinellas cities

We didn't find a city-run repair program for Dunedin, Pinellas Park, Tarpon Springs, Safety Harbor, Oldsmar, Seminole or the beach towns (other than Belleair Shore). The county lists those cities among the "cooperating cities" its Home Repair Program serves, so the county program (closed for now) is the one that applies (Pinellas County).

Window replacement and impact window help in 2026

There's no stand-alone government window replacement program in Pinellas. Window help comes through these:

My Safe Florida Home: a free wind mitigation inspection first, then matching grants (the state pays $2 for every $1 you put in, up to $10,000; eligible low-income owners need no match) for improvements the inspection recommends, including impact-resistant windows, doors, garage doors and skylights. Under the 2026 statute, homes must be homesteaded, site-built, built before January 1, 2008, insured for $700,000 or less, and owned by low- or moderate-income homeowners (s. 215.5586, Fla. Stat.). The program's site invites homeowners to create an account, and its FAQ says applications open in phases. Homeowners may choose any licensed Florida contractor, and you must receive grant approval before construction starts (My Safe Florida Home; MSFH FAQs).
Florida's home-hardening sales tax refund: refunds up to $500 of the sales tax on impact-resistant windows, doors and garage doors bought from July 1, 2026 through June 30, 2029, for one homesteaded, site-built home with a just value of $700,000 or less. Apply to the Department of Revenue on Form DR-26HH by September 30, 2029 (s. 212.08(21), Fla. Stat.; Form DR-26HH).
St. Pete's rebate program (above) covers window and door replacement.
Weatherization: the Pinellas County Urban League's weatherization program lists repair or replacement of inefficient windows and doors, but says window replacement happens "only if recommended by audit and diagnostic testing," and services are subject to state approval. Call (727) 327-2081 (Pinellas County Urban League).
The federal tax credit is gone: the IRS says the energy efficient home improvement credit covers improvements made through December 31, 2025 (IRS).

Our window replacement and impact windows page and impact windows cost guide cover the work itself.

FEMA and SBA disaster help

FEMA's registration deadline for Helene and Milton in Pinellas passed on January 7, 2025 (OpenFEMA). SBA disaster loans of up to $500,000 to repair or replace a primary residence are available only in a declared disaster area (SBA). After the next declared storm, check DisasterAssistance.gov.

Frequently asked questions

Is the Pinellas County Home Repair Program open?

No. It closed to new applications at 5 p.m. on May 4, 2026. The county says to call (727) 464-8210 to be added to a waitlist for when it reopens.

Is there a hurricane home repair program in Pinellas right now?

Yes, for homes damaged by Idalia, Helene or Milton outside St. Petersburg. Pinellas Recovers' Homeowner Rehabilitation/Reconstruction (up to $375,000) and Homeowner Reimbursement (up to $50,000) programs were open as of their October 28, 2026 updates. St. Pete's Sunrise program has paused new applications.

Is there a window replacement grant in 2026?

Not a stand-alone one. My Safe Florida Home grants can cover impact windows when its inspection recommends them, St. Petersburg's rebate program covers up to 40% of approved window and door replacement, and Florida refunds up to $500 of sales tax on impact windows and doors bought July 1, 2026 through June 30, 2029.

Can I choose my own contractor?

It depends on the program. My Safe Florida Home says homeowners may choose any licensed Florida contractor. Pinellas Recovers uses contractors it has contracted, and the county's Home Repair Program bids work to pre-approved general contractors.

Why don't I qualify for the county program if I live in Clearwater, Largo or St. Pete?

The county program excludes homes inside the city limits of Belleair Shore, Clearwater, Largo and St. Petersburg. Clearwater, Largo and St. Petersburg run their own programs, described above.

Sources

General information, not legal, insurance or engineering advice. Rules change and vary by city; confirm with your building department, DBPR, your insurer, an attorney or an engineer as fits.

Home repair assistance programs in Pinellas County (2026)