City of Racine Housing Repair Program

City of Racine Department of City Development

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Energy Efficiency Loans

Energy Efficiency Loans

Racine Energy Efficiency Program (REEP) is a fixed rate loan program available to all property owners within the City of Racine who have older or energy-inefficient homes. Homeowners see savings in their utility bills immediately upon completion of energy efficiency repairs like building insulation, air sealing, furnaces, water heaters, bath exhaust, and minor electrical repairs.

REEP offers homeowners up to $10,000 loan for a term up to 10 years to be used for energy efficiency repairs.  Additional loan funds may be available to address windows and A/C improvements on a per case basis.

Before a homeowner receives a loan, an Energy Audit must be performed, and all work must be completed by a licensed insured contractor. 

Who Qualifies?

Many homeowners within Racine qualify for a homeowner repair loan. To qualify for a loan with the City of Racine, homeowners must be:


Current with mortgage payments, property taxes, and property insurance.

Within the City of Racine city limits. (Other county residents are not eligible.)
In agreement with program funding rules.

The application fee is $325, with $175 due upon submission and the remaining $150 due at closing.

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