Aging in Place Funding in New Jersey
New Jersey 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 New Jersey
These programs are available nationwide but may have state-specific administrators or requirements in New Jersey.
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
New Jersey-Specific Programs
These programs are unique to New Jersey and may have limited funding or geographic restrictions.
NJ MLTSS Home Mods
Waiver — NJ State
Varies (case-by-case per service plan)
New Jersey Medicaid-eligible individuals needing long-term services. Covers grab bars, ramps, widened doorways, stairlifts, and accessible bathrooms through managed care service plans.
NJ Veteran Home Mod
Grant — NJ State
$5,000 - $25,000 per project
Honorably discharged disabled or low-income New Jersey veterans. Covers wheelchair ramps, interior reconfigurations, safety repairs, and energy-efficient equipment. Up to $1M annually in state funding.
Union County Senior Grant
Grant — Local
Up to $10,000
Union County, NJ residents 62+ needing home rehabilitation. Non-repayable grant for accessibility and safety modifications.
Contractor Licensing in New Jersey
New Jersey requires Home Improvement Contractor (HIC) registration with the Division of Consumer Affairs before advertising, quoting, or beginning work. As of January 8, 2024, contractors must maintain workers' compensation insurance plus general liability, and carry a compliance surety bond: $10,000 for single contracts under $10K or annual totals below $150K; $25,000 for contracts $10K-$120K or annual totals $150K-$750K; $50,000 for contracts over $120K or annual totals exceeding $750K. CAPS certification is recommended for accessibility specialists. Verify contractor registration with the NJ Division of Consumer Affairs.
Find Services by City in New Jersey
Newark, NJ
10.9% of residents over 65
Jersey City, NJ
11.7% of residents over 65
Trenton, NJ
13.2% of residents over 65
Edison, NJ
13.8% of residents over 65
Woodbridge, NJ
15.2% of residents over 65
Lakewood, NJ
16.4% of residents over 65
Toms River, NJ
17.1% of residents over 65
Paterson, NJ
11.3% of residents over 65
Elizabeth, NJ
12.1% of residents over 65
Hamilton, NJ
14.9% of residents over 65