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Incentives/Policies for Renewables & Efficiency

Printable Version
Energy Efficient Home Improvements Loan Program   

Last DSIRE Review: 08/08/2012
Program Overview:
State: Kentucky
Incentive Type: State Loan Program
Eligible Efficiency Technologies: Water Heaters, Furnaces , Boilers, Heat pumps, Central Air conditioners, Caulking/Weather-stripping, Duct/Air sealing, Building Insulation, Custom/Others pending approval, Whole-house-test, Tankless Water Heaters, Heat Pump Water Heaters
Eligible Renewable/Other Technologies: Geothermal Heat Pumps
Applicable Sectors: Residential
Amount:100% of costs up to $20,000
Maximum Incentive:Loans: Up to $20,000 for 100% of cost as long as 85% of work is for qualifying home improvements
Homeowner Energy Efficient Rebates (in lieu of loans): 20% of qualifying improvements up to $2000
Terms:6.99% interest for up to 10 years
3.99% for the first 100 customers
Web Site:

Note: This program is currently unavailable. Check the program web site for more information regarding future funding.

Kentucky offers ENERGY STAR Home Performance rebates and loans for residential energy efficiency improvements meant to meet the need for incentives and financing to middle or upper income residents not served by the Weatherization Assistance Programs. The program gives rebates for certified contractors to evaluate homes and allow owners to decide which improvements should be made. Homeowners can also receive rebates instead of loans.

First, participants fill out the free online self assessment, then apply for the onsite test. Minimum standards for participants' homes include air sealing, carbon monoxide detectors, and insulation (ceiling to R-38 if currently below R-19; floor to R-19 if below R-11). Other qualifying improvements like HVAC and gas heating equipment can be added to these envelope improvements, and unspecified improvements like electrical and indoor air quality improvements can be included if approved by program contractors. The whole-house tests and free evaluation must be performed by a participating KY Home Performance BPI-certified (Building Performance Institute) Building Analyst. All equipment must be ENERGY STAR listed.

For homeowners that do not have the up-front funds for improvements, below-market 6.99% loans are available for up to ten years and $20,000. The first 100 customers will receive an interest rate of 3.99%. 100% of the work can be financed as long as 85% of work is for qualifying home improvements. The unsecured loans (minimum credits score of 640) are offered in lieu of rebates to single family dwelling participating in the KY Home Performance program. Loan recipients are also eligible to receive a $150 rebate for whole-house testing.

  KY Home Performance with ENERGY STAR
Phone: (877) 741-4306
Web Site:
  Jennifer Cohen
AFC First Financial Corporation
1005 Brookside Road
Suite 200
Allentown, PA 18106
Phone: (610) 433-7486 Ext.2697
Phone 2: (888) 232-3477
Fax: (610) 646-0865
Web Site:
  Ken Yeager
AFC First
Phone: (410) 641-5170
NCSU - home
Disclaimer: The information presented on the DSIRE web site provides an unofficial overview of financial incentives and other policies. It does not constitute professional tax advice or other professional financial guidance, and it should not be used as the only source of information when making purchasing decisions, investment decisions or tax decisions, or when executing other binding agreements. Please refer to the individual contact provided below each summary to verify that a specific financial incentive or other policy applies to your project.

While the DSIRE staff strives to provide the best information possible, the DSIRE staff, the N.C. Solar Center, N.C. State University and the Interstate Renewable Energy Council, Inc. make no representations or warranties, either express or implied, concerning the accuracy, completeness, reliability or suitability of the information. The DSIRE staff, the N.C. Solar Center, N.C. State University and the Interstate Renewable Energy Council, Inc. disclaim all liability of any kind arising out of your use or misuse of the information contained or referenced on DSIRE Web pages.

Copyright 2014 - 2015 North Carolina State University, under NREL Subcontract No. XEU-0-99515-01. Permission granted only for personal or educational use, or for use by or on behalf of the U.S. government. North Carolina State University prohibits the unauthorized display, reproduction, sale, and/or distribution of all or portions of the content of the Database of State Incentives for Renewables and Efficiency (DSIRE) without prior, written consent.