All of Idaho · Loan
State Energy Loan Program (Idaho OEMR)
Run by Idaho Governor's Office of Energy and Mineral Resources (OEMR)
Low-interest loans from the Idaho Governor's Office of Energy and Mineral Resources for insulation, ENERGY STAR appliances, HVAC, lighting, weatherization, solar, wind or geothermal, and windows and doors on single-family homes in Idaho. Choose 3% for 3 years, 5% for 5 years or 7% for 7 years, up to $40,000, with no income limit.
Amounts
How much you get
A loan, not a rebate: up to $40,000, at 3% interest for 3 years, 5% for 5 years or 7% for 7 years, repaid to OEMR. Loans must be secured with real estate. There's no fee to apply, but projects that pass OEMR's technical review pay a nonrefundable $100 credit analysis fee.
Eligibility
Do I qualify?
You need to meet all 8 of these.
Your home is in Idaho.
Idaho residents who own the home and can provide a warranty deed or a recent deed of trust. There's no income limit.
Single-family homes only. Multi-family and commercial properties don't qualify.
You must pass a credit check with OEMR's partner financial institution.
The loan must be approved and funded before installation begins. Projects installed before loan approval and closing aren't eligible.
What to doApply to OEMR and close the loan before any work starts or equipment is bought.
The project must use a contractor who is registered or licensed in Idaho where required.
What to doGet a bid from a registered or licensed Idaho contractor; you can check registration with the Idaho Division of Occupational and Professional Licenses.
Appliances must be ENERGY STAR; heating and central AC must be ENERGY STAR or a demonstrated efficiency upgrade; insulation must meet recommended R-values; windows and doors must meet ENERGY STAR for the Northern climate zone; lighting projects must replace at least 50% of the home's lighting.
What to doChoose equipment that meets these requirements and include spec sheets or ENERGY STAR certification with the application.
Homes over 45 years old are sent to the State Historic Preservation Office for review, which can add up to 30 days.
Equipment
What equipment counts
Applying
How to apply
Get approved before you buy anything.
- Get a contractor bid.
Use an Idaho-registered or licensed contractor, and make sure the equipment meets the program's efficiency rules (ENERGY STAR, recommended R-values, and so on).
- Fill out the Residential Project Application and the matching addendum.
Addenda cover insulation, appliances, HVAC, lighting retrofits, weatherization, renewable energy, and doors and windows. Include a copy of your recorded deed, current photos of the project area and the house from the street, and a property map.
- Send the application to OEMR.
By email to the address on OEMR's loan page, or by mail to OEMR, P.O. Box 83720, Boise, ID 83720-0199. OEMR takes 7 to 10 business days to review it.
- Historic review if the home is over 45 years old.
OEMR sends the project to the State Historic Preservation Office, which may take up to 30 days.
- Apply for credit with OEMR's partner financial institution.
A nonrefundable $100 credit analysis fee applies. Allow up to a week.
- Close the loan in person, then start the work.
OEMR prepares closing documents and the funding check (7 to 10 business days) and schedules an in-person closing. Virtual closings aren't offered.
- Repay OEMR.
By check or online by card (a 3% third-party processing charge applies to card payments).
Residential Project Application and project addendum(s)
Copy of the recorded deed with the legal description
Current photos of the project area and of the house from the street
Map of the property
Contractor bid and product specification sheets
Forms and instructions, including for applying by mailIdaho OEMR - Contact Us · Idaho OEMR - Incentives
Questions about applying(208) 332-1660
Stacking
Use it with
Your address
Next steps
Check that it covers your address. This program has to approve you before you buy anything, so start with the program, not a contractor quote.
Is it available at your address?
Before anything else
Apply to OEMR and close the loan before any work starts or equipment is bought.
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does State Energy Loan Program (Idaho OEMR) pay?
Up to $40,000 loan.
Do renters qualify?
Idaho residents who own the home and can provide a warranty deed or a recent deed of trust. There's no income limit.
Do I have to use a contractor?
Yes. The project must use a contractor who is registered or licensed in Idaho where required.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify. The loan must be approved and funded before installation begins. Projects installed before loan approval and closing aren't eligible. Apply to OEMR and close the loan before any work starts or equipment is bought.
What’s the deadline?
Apply by December 31, 2026.
Is it still available?
Yes. It was open when we last checked, on October 27, 2026.
Can I get a loan for equipment I've already bought or installed?
No. The project must be reviewed, approved and funded before installation begins.
Do you offer virtual closings?
No. Closings are in person only.
Are loans available for multi-family or commercial properties?
No. The program is for single-family homes only.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
When one of these pages changes, we re-check this page against it.
Nearby
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Energy Efficiency Upgrade Deduction (Idaho income tax)
Amount varies
An Idaho income tax deduction for what you pay to add insulation, replace windows, add storm windows, weather strip and caulk, or seal and insulate ducts in your primary Idaho home, if the home existed (or was under construction or permitted) on or before January 1, 2002. Installation labor counts too.
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Residential Alternative Energy Device Deduction (Idaho income tax)
Amount varies
An Idaho income tax deduction for solar, wind and geothermal systems (including geothermal heat pumps) that heat, cool or power your Idaho home, and for an EPA-certified wood or pellet stove or gas or propane heater that replaces an old noncertified wood stove. Deduct 40% of the cost the first year and 20% in each of the next three years, up to $5,000 a year.
Checked Oct 27, 2026
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Weatherization Assistance Program (Idaho)
Amount varies
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Checked Oct 27, 2026