Cook, Illinois · Loan
Housing Rehabilitation Program (Evanston)
Run by City of Evanston Community Development Department
Evanston homeowners under 80% of area median income can get help, usually as 0% interest deferred loans, for health, safety and accessibility repairs, work that extends the life of the home, and energy conservation.
Amounts
How much you get
In most cases help comes as a 0% interest deferred loan, so repayment may not be required right away. The page gives no dollar limit.
Eligibility
Do I qualify?
You need to meet all 5 of these.
Your home is in Cook, Illinois.
The home must be in Evanston.
For homeowners who live in the home. Owners of 1-4 unit rental properties mainly rented to income-eligible tenants may also qualify.
Household income below 80% of area median income (2025 table, e.g. $67,150 for one person, $95,900 for four).
People in your home Income at or below 1 $67,150 2 $76,750 3 $86,350 4 $95,900 5 $103,600 6 $111,250 7 $118,950 8 $126,600 The property must be under the program's property value cap.
Equipment
What equipment counts
Applying
How to apply
Follow these steps.
- Submit the Housing Rehabilitation Pre-Application.
Or call 311 and ask for the Housing Loan Specialist.
- City checks income, property value and other eligibility criteria.
- Repairs scoped and completed; assistance usually provided as a 0% deferred loan.
Forms and instructionsCPAH Home Repair (lists the Evanston contact)
Questions about applying(847) 448-8033
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
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 Housing Rehabilitation Program (Evanston) pay?
In most cases help comes as a 0% interest deferred loan, so repayment may not be required right away. The page gives no dollar limit.
Is there an income limit?
Household income below 80% of area median income (2025 table, e.g. $67,150 for one person, $95,900 for four).
Do renters qualify?
For homeowners who live in the home. Owners of 1-4 unit rental properties mainly rented to income-eligible tenants may also qualify.
Is it still available?
Yes. It was open when we last checked, on October 27, 2026.
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
More in Illinois
Cook, Illinois
Climate Ready Energy Grants
Up to $20,000
Oak Park homeowners can get a grant of $2,500 to $20,000, depending on household income, for 2026 energy upgrades such as insulation, heat pumps, heat pump water heaters, panel upgrades, EV chargers and solar.
Checked Oct 27, 2026
Cook, Illinois
Single-Family Rehabilitation Loans
Up to $25,000
Zero-interest loans for income-qualified Oak Park owners of single-family homes, for code, health and safety repairs and weatherization (up to $25,000, deferred 20 years) or emergencies such as furnace replacement (up to $5,000).
Checked Oct 27, 2026
All of Illinois
Illinois Home Weatherization Assistance Program (IHWAP)
Up to $20,000
Free weatherization for Illinois households at or below 200% of the federal poverty level, through local Community Action Agencies. Air sealing, insulation, heating and water heater repair or replacement, and health and safety fixes, up to $20,000 per home.
Checked Oct 27, 2026