Aging in Place Funding in Maryland
Maryland 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 Maryland
These programs are available nationwide but may have state-specific administrators or requirements in Maryland.
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
Maryland-Specific Programs
These programs are unique to Maryland and may have limited funding or geographic restrictions.
MD Accessible Homes
Grant — MD State
Up to $25,000 grant (or zero-interest loan up to 110% property value)
Maryland homeowners 55+ or those residing with family. Grants up to $25,000 for those who don't qualify for loans. Zero-interest loans with 30-year terms also available for accessibility modifications.
MD Independent Living Credit
Tax Credit — MD State
Up to $5,000 (50% of renovation cost)
Maryland residents renovating their home for accessibility. Tax credit of 50% of renovation costs up to $5,000. Administered by Maryland DHCD.
MD Housing Rehab
Grant — MD State
Varies
Maryland homeowners in principal residence with income at or below 80% AMI. Covers critical health/safety repairs including chair lifts, ramps, safety bars, railings, and fall prevention modifications.
Contractor Licensing in Maryland
Maryland requires a Home Improvement License from the Maryland Home Improvement Commission for residential work. Liability insurance is required. Electrical and plumbing work requires licensed tradespeople. Structural carpentry may require a general contractor license depending on project value. CAPS (Certified Aging-in-Place Specialist) certification from NAHB is recommended for aging-in-place specialists. Workers' compensation is required per state law. Verify contractor complaints and licensing status with the Maryland Home Improvement Commission at 410-230-6309.
Find Services by City in Maryland
Baltimore, MD
15% of residents over 65
Rockville, MD
14.2% of residents over 65
Annapolis, MD
13.1% of residents over 65
Frederick, MD
12.4% of residents over 65
Gaithersburg, MD
12.9% of residents over 65
Bowie, MD
13.7% of residents over 65
Columbia, MD
12.1% of residents over 65
Salisbury, MD
12.8% of residents over 65
Hagerstown, MD
15.6% of residents over 65
Towson, MD
17.3% of residents over 65