Aging in Place Funding in Illinois
Illinois residents can access both federal and state programs to help pay for aging-in-place home modifications. Below is every program we've verified, with eligibility details and direct application links.
Federal Programs Available in Illinois
These programs are available nationwide but may have state-specific administrators or requirements in Illinois.
VA SAH Grant
Grant — Federal
Up to $126,669
Veterans with service-connected disabilities including loss of limbs, blindness, or severe burns
VA SHA Grant
Grant — Federal
Up to $25,000
Veterans with service-connected disabilities including blindness, loss of hands, or severe respiratory injury
VA HISA Grant
Grant — Federal
Up to $6,800
Veterans with any service-connected disability needing home modifications
USDA Section 504
Grant — Federal
Up to $10,000 (grant) or $40,000 (loan)
Rural homeowners 62+ with income below 50% of area median (grants) or below 80% (loans)
HUD OAHMP
Grant — Federal
Up to $5,000 per household
Low-income older adults (60+) in participating communities
Medicaid HCBS Waivers
Waiver — Federal
Varies by state
Medicaid-eligible individuals who would otherwise need institutional care; 47 states cover some home modifications
AAA Programs
Grant — Federal
Varies by locality
Adults 60+ in the service area of their local AAA; typically prioritizes low-income, minority, and rural populations
Illinois-Specific Programs
These programs are unique to Illinois and may have limited funding or geographic restrictions.
IL IHDA Home Mod
Grant — IL State
Up to $45,000
Illinois residents 60+ or disabled with income at or below 80% AMI. Homeowners and renters eligible. Must have homeowners insurance with IHDA as additional insured.
IL INCIL Home Mod
Grant — IL State
Varies
Illinois homeowners or renters with a household member with a documented disability. State-funded program through Centers for Independent Living.
IL Medicaid HCBS
Waiver — IL State
Varies by waiver program
Medicaid-eligible individuals at risk of institutionalization. Multiple waivers cover developmental disabilities, brain injury, HIV/AIDS, and elderly populations. Home modifications included as waiver service.
Contractor Licensing in Illinois
Illinois has no state-level general contractor license — licensing is handled at the city/county level and varies significantly by municipality. State-licensed specialties include roofing (Limited for 8 units or less; Unlimited for all projects) and plumbing (through Illinois Department of Public Health). The Home Repair and Remodeling Act requires a written contract for residential work exceeding $1,000 and mandates public damage and general liability insurance for the project duration. Workers' compensation is required for contractors with at least one employee. Check your municipality for local licensing requirements.
Find Services by City in Illinois
Chicago, IL
13.6% of residents over 65
Aurora, IL
11.3% of residents over 65
Rockford, IL
15.1% of residents over 65
Joliet, IL
12.8% of residents over 65
Naperville, IL
12.4% of residents over 65
Peoria, IL
13.6% of residents over 65
Springfield, IL
14.2% of residents over 65
Decatur, IL
15.8% of residents over 65
Champaign, IL
11.5% of residents over 65
Elgin, IL
11.8% of residents over 65