Aging in Place Funding in North Carolina
North Carolina 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 North Carolina
These programs are available nationwide but may have state-specific administrators or requirements in North Carolina.
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
North Carolina-Specific Programs
These programs are unique to North Carolina and may have limited funding or geographic restrictions.
NC CAP/DA Waiver
Waiver — NC State
$28,000 over 5-year waiver period
Adults 18+ with physical disability OR adults 65+ with functional difficulties due to age/disability who meet nursing facility level of care. Covers home modifications, equipment, and technology.
NC Urgent Repair
Loan — NC State
Up to $15,000 (forgivable)
Households with special needs members (elderly, disabled, veterans, children under 6) with income not exceeding 50% AMI. Owner-occupied homes. Forgivable loan for accessibility modifications and hazard elimination.
NC Home Improvement
Grant — NC State
Up to $7,000 per year
North Carolina residents 60+ with no one able or willing to perform needed services. Funded through the Home and Community Care Block Grant in participating counties.
Contractor Licensing in North Carolina
North Carolina requires state-level contractor licensing through the NC Licensing Board for General Contractors (NCLBGC) for projects valued at $40,000 or more. License classifications: Limited (up to $500K per project), Intermediate (up to $1M), and Unlimited (no limit). A separate Residential Contractor license covers construction/demolition of residential units. Specialty trades (plumbing, electrical) require separate state licenses. Workers' compensation is mandatory for contractors with 3 or more employees. General liability insurance ($1M typical) is recommended but not mandated statewide for licensing. Verify licenses at portal.nclbgc.org.
Find Services by City in North Carolina
Charlotte, NC
11.5% of residents over 65
Raleigh, NC
11.7% of residents over 65
Greensboro, NC
13.9% of residents over 65
Winston-Salem, NC
14.2% of residents over 65
Durham, NC
13% of residents over 65
Fayetteville, NC
12.1% of residents over 65
Wilmington, NC
16.3% of residents over 65
High Point, NC
14.8% of residents over 65
Asheville, NC
17.5% of residents over 65
Concord, NC
12.6% of residents over 65