Hamilton County - Home Improvement Program

August 12, 2020


The Home Improvement Program (HIP) in Hamilton County, Ohio, originally opened in 2002, and was reinstated in May 2008. The HIP loan allows homeowners in Hamilton County communities to borrow money to repair or remodel homes or rental property at interest rates 3% below the lowest rate a bank would normally offer. The following banks participate: Fifth Third Bank, U.S. Bank, KeyBank, North Side Bank and First Safety Bank. The HIP loan is usually structured as a home equity loan, secured by a second mortgage on the property. Credit requirements apply.

Eligible residential (one- or two-family homes) and commercial properties must have an assessed value of less than $350,000 and must be current on property tax payments. There is no property value limit on multi-family dwellings (three or more units). Loans may be used for alteration, repair, maintenance or improvements, including renewable energy and energy efficiency improvements, although funds may not be used for luxury projects (e.g., swimming pools, hot tubs) or for free-standing appliances. Appliances that are permanently installed are permissible.

Program Overview

Implementing Sector: Local
Category: Financial Incentive
State: Ohio
Incentive Type: Loan Program
Web Site: https://www.hamiltoncountyohio.gov/government/open_hamilton_county/projects/home_improvement_program
Administrator: Hamilton County Department of Community Development
Start Date:
Eligible Renewable/Other Technologies:
  • Solar - Passive
  • Solar Water Heat
  • Solar Photovoltaics
  • Wind (All)
  • Daylighting
  • Furnaces
  • Heat pumps
  • Air conditioners
  • Building Insulation
  • Windows
  • Doors
  • Siding
  • Roofs
  • Wind (Small)
Maximum Loan: $50,000
Loan Term: 5 years
Interest Rate: 3% below market rate


Name: Jay Springer
Organization: Hamilton County Department of Planning and De
Address: 138 East Court Street
Cincinnati OH 45202
Phone: (513) 946-4459
Email: jay.springer@hamilton-co.org

This information is sourced from DSIRE; the most comprehensive source of information on incentives and policies that support renewables and energy efficiency in the United States. Established in 1995, DSIRE is operated by the N.C. Clean Energy Technology Center at N.C. State University.