If your electric bill keeps creeping up, you’re not alone. There are real programs that can help lower your utility costs—you just have to know where to look. Some can even cover your bills completely.
If you’re on a tight or fixed budget, you may be leaving money on the table. There are programs designed specifically to help families manage the cost of electricity, heating, and cooling—and many people don’t realize they qualify.
💡 You May Be Able to Get Help With:
- Home upgrades that reduce energy costs
- Electric bills
- Heating and cooling costs
- Emergency shut-off notices
- Lower monthly payments
Don’t overlook low-interest loan programs either. Many cities and counties offer 1–4% loans for home improvements that reduce energy consumption, with repayment conveniently added directly to your utility bill. These are just a few of the options available — read on to find the right fit for your situation.
👉 Homeowner Assistance PROGRAMS
Federal Assistance Programs
These programs come in many forms. Some provide direct financial assistance to help cover your heating bill. Others offer free or reduced-cost energy improvements, including free home energy audits, free insulation, upgraded heating systems, and other home repairs that lower your energy costs long-term.
1. Low Income Home Energy Assistance Program (LIHEAP)
This is the main program that helps families pay energy bills.
It can help with:
- Heating AND cooling bills
- Emergency assistance if your power is at risk of being shut off
- Energy-related home repairs
Eligibility is based on income and household size. Most states run their own version of this program.
👉 Start by searching your state’s LIHEAP program
2. Weatherization Assistance Program (WAP)
This program helps lower your bills long-term by making your home more energy efficient—for FREE. Simply search WAP and your state to find your local program.
It may include:
- Insulation
- Air sealing and draft reduction
- Heating system repair or replacement
- Energy efficiency upgrades
👉 Reduces your monthly bills permanently.
State and Local Programs
Many states and municipalities operate their own assistance programs, which can vary widely in eligibility requirements, available benefits, and application processes. These programs sometimes offer additional help beyond what federal programs provide.
Good starting points to find what’s available in your area:
- Benefits.gov — a comprehensive database of government benefit programs
- State Energy Offices and Organizations — connect directly with your state’s energy assistance resources
Utility Company Programs
Your utility provider may offer more help than you realize. Many companies maintain hardship funds or assistance programs specifically for customers struggling to keep up with heating bills. Common offerings include:
- Hardship or emergency funds
- Budget billing (same payment every month)
- Payment plans for past-due balances
- Discounts for qualifying households
Call the customer service number on your bill and ask specifically about assistance programs — they are often not well advertised.
Nonprofit Organizations
Several national and local nonprofit organizations provide energy and utility assistance to families in need. These organizations may offer emergency financial help, advocacy services, and connections to additional community resources.
- Salvation Army — emergency utility and heating assistance
- United Way — local referrals and direct assistance programs
- Community Action Partnership — local agencies serving communities nationwide
Community Action Agencies (CAAs)
Community Action Agencies are local organizations that frequently serve as the front door to federal and state assistance programs, including both LIHEAP and WAP. Beyond administering these programs, CAAs often provide:
- Direct financial assistance for utility bills
- Home weatherization services
- Energy education and budgeting support
- Referrals to other community resources
To find your nearest Community Action Agency, visit the Community Action Partnership agency locator.
How to Apply
If you’re not sure where to start, here are the best first steps:
- Contact your local Community Action Agency — they can walk you through available programs and help with applications.
- Call your state’s social services department — they can direct you to state-run programs you may qualify for.
- Reach out to your utility company directly — ask about hardship funds, budget billing, and payment plans.
- Search Benefits.gov — enter your information to see a full list of programs you may be eligible for.
Don’t wait until you’re in a crisis. Many programs have limited funding and serve applicants on a first-come, first-served basis. Applying early in the season gives you the best chance of receiving assistance.
To apply for these programs or find more information, families can typically start by contacting their local community action agency, state social services department, or utility company. Online resources and hotlines are also available to guide applicants through the process.
