Maricopa County Home Improvement Program (MCHIP)

Maricopa County Human Services Department

Available Home Repair

About This Program

Maricopa County Home Improvement Program (MCHIP) is available to homeowners in Phoenix, AZ.

Provides zero-percent interest forgivable loans to owner-occupants in unincorporated Maricopa County (and areas outside Phoenix, Glendale, and Mesa) to stabilize critical home systems such as electrical, mechanical, plumbing, and roofing. Income must be at or below 80% of the Area Median Income; secured by a lien on the property. Does not serve properties inside Phoenix, Glendale, or Mesa city limits (except unincorporated pockets).

0% interest forgivable loan secured by property lien. Asset limit of $20,000 may apply. Program excludes Phoenix, Glendale, and Mesa incorporated areas.

Official program page checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Phoenix, AZ, you can combine this program with other local help to cut your cost:

Key Details

  • Serves unincorporated Maricopa County and areas outside Phoenix, Glendale, Mesa
  • Income ≤ 80% Area Median Income required
  • 0% interest, forgivable loan secured by property lien
  • Covers electrical, plumbing, HVAC, roofing, structural
  • Asset limit of $20,000 may apply

How to Apply

Get free help applying Visit Official Program Page Track this program

602-506-5911

A grant-savvy contractor in Phoenix, AZ can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Phoenix early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

Who qualifies for Maricopa County Home Improvement Program (MCHIP) in Phoenix?

Maricopa County Home Improvement Program (MCHIP) is open to homeowners in Phoenix, AZ. It prioritizes low-income households.

How do I apply for Maricopa County Home Improvement Program (MCHIP) in Phoenix, AZ?

Apply directly with Maricopa County Human Services Department using the official program link on this page or call 602-506-5911. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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