Renovation Incentives

Ready for a fixer-upper? We’re here to help.

Dundalk Renaissance Corporation has also created Renovation Incentive programs:

Vibrant Neighborhoods Home Renovation Loan – Only for a limited time!

  • A 0% interest, deferred payment loan of up to $10,000 to encourage reinvestment in selected target blocks by owner-occupants
  • Must be matched by a home equity or other bank loan, or homeowner savings
  • There must be an exterior component to your project
  • Loan must be repaid at refinance or time of sale
  • Download more info
  • Download application
  • To learn more, contact: Rebecca at Dundalk Renaissance Corporation, 410 282-0261 or

Energy Retrofit Grant – reduce your energy bills, help the planet, and increase your home’s comfort and value.

  • An instant discount of 70% to 100% off the cost of needed energy efficiency improvements
  • Your household income must be above 80% of the Area Median Income for the Baltimore region; contact Retrofit for more information
  • DRC’s retrofit partner, Civic Works, will assist you in assessing your home’s needs and managing your energy improvement project
  • To learn more, contact Retrofit Baltimore at 410 929-6257 or visit, or email Paul at

Historic Tax Credits

One of the key elements in the successful revitalization of historic neighborhoods has been the extensive use by homeowners and developers of historic tax credits to help fund high-quality renovations.

Who is eligible?

If you own a home in Dundalk’s National Register Historic District, you are eligible to apply for State and County Historic Tax Credits.

nrb775Dundalk’s National Register Historic District, established in 1983, includes the stucco houses in the “Ships” streets and some in the St. Helena neighborhood. Residential and commercial buildings in this district are eligible for County and State historic tax credits, as are designated historic landmarks.




What kinds of renovations are eligible?

With both the County and State programs, it is important to note: 1) there are restrictions on the kinds of renovation work eligible, and 2) you MUST apply and gain approval for your proposed renovations before you begin any work!

The goal of the historic tax credits is enhancing historic character (which the “Ships” streets certainly have).  Eligible exterior expenses typically include roofs, windows, stone and brick work, stucco, wood siding or shingles, and lead paint removal.  Eligible interior expenses include structural fortification, lead paint removal, heating and air conditioning, electrical, and plumbing work.

Alas, renovations to functional kitchens and bathrooms (however dingy or outdated they may be!) are usually not eligible as part of the credit, nor are additions.

What are the financial benefits?

The County residential credit is calculated as 20 percent of eligible renovation expenses, with a project minimum of $1,000.  The credit is applied against your property tax bill, and can be carried forward for 10 years.  So, if you spent $40,000 on eligible renovations, you’d get an $8,000 tax credit.  If your annual County property tax bill is $2,000, you’d see the benefit of the credit over the next 4 years, during which you’d pay no County property taxes.

The State homeowner credit is also 20 percent of eligible renovation expenses.  It is applied differently, however: upon completion of your renovations and certification by the State, the credit is counted against any State taxes you owe, with the balance sent to you as a check!

Commercial Properties are handled separately under both programs but also receive substantial benefits.

Learn more about Historic Tax Credits:

Maryland WholeHome Loan & Grant Program

Maryland WholeHome is a statewide initiative that brings together the resources available to help homeowners learn how they can make their homes healthier, safer and more energy efficient through DHCD’s low interest loans and grants.

The Maryland WholeHome initiative is part of Governor Larry Hogan’s ongoing effort to make state government more customer-oriented and user-friendly.
The program’s title pretty much defines its scope: from roof repair to plumbing in the cellar, DHCD programs can help homeowners make improvements that ultimately will save them money.
Resources are available to:
◾Replace or repair roofs and porches
◾Repair plumbing and septic systems
◾Rectify structural or maintenance issues
◾Upgrade energy-efficient appliances
◾Repair or replace heating and cooling systems
◾Install energy conservation materials and insulation
◾Add accessibility features such as hand railings, ramps, grab bars and wider doorways
◾Remove lead paint hazards
◾Seal air and whole house envelope
◾Correct building code violations
To learn more about DHCD’s special loans programs, call 1-800-638-7781. To learn more about DHCD’s energy programs, call 1-855-583-8976. For additional information on all DHCD programs, visit

Be Smart Home Loan Program

The Be SMART Home Loan Program offers innovative financing to improve home energy efficiency through replacement and upgrading of appliances, heating, cooling and ventilation systems and whole house envelope improvements across the state.
Up to $25,000 in financing is available for eligible homeowners.
More info:

Single Family Rehab and Emergency Repair

The Single Family Rehabilitation Loan Program is designed to assist income eligible homeowners with low cost or no cost loans to correct hazardous conditions, eliminate safety hazards, repair or replace major systems, correct interior and exterior deficiencies, energy improvements, modifications for persons with disabilities and eliminate lead based paint hazards.

The Emergency Repair Program is designed to assist income eligible homeowners with a grant to repair or replace a major system which has failed or is in imminent danger of failure and which poses a hazard to the occupants’ health or safety.

The Maryland Housing Rehabilitation Program (MHRP), like the Single Family Rehabilitation Loan Program, is designed to assist income eligible homeowners with low cost or no cost loans to correct hazardous conditions, eliminate safety hazards, repair/replace major systems, correct interior and exterior deficiencies, energy improvements, modifications for persons with disabilities and eliminate lead based paint hazards. This program is funded by the Maryland Department of Housing and Community Development.

The above information is a brief summary of these programs. Detailed regulations, policies and procedures govern the programs. For additional information or to schedule an appointment to file an application, contact the Housing Rehabilitation Program staff.

Debbie Sparks
Phone: 410-887-3124

Lead Safety Grants

Anyone living in or owning a house in Baltimore County can apply for this grant program, however, there are seven criteria that must be met in order for a property to qualify. In order to qualify for the grant, a property will have to meet the following specifications

  • The property must be located in a Neighborhood Improvement target zip code. Those ZIP codes are, 21117, 21133, 21136, 21162, 21204, 21206, 21207, 21208, 21209, 21212, 21215, 21220, 21221, 21222, 21224, 21227, 21228, 21229, 21230, 21234, 21237, 21239, 21244, 21286.
  • The property must have been constructed before 1978.
  • A child under the age of six must live at or frequently visit the property.
  • The property must contain at least one bedroom.
  • The property must have a lead-based paint hazard which will be determined by a qualified Baltimore County lead hazard risk assessor.
  • Occupants of the property must not exceed HUD income limits listed at the link below.

To learn more information or apply for this grant, please call Lead Safe Baltimore County at 410-887-3668 to have an application sent to you or download and print out your application. Along with the application, there are a few other documents you will need to provide that are listed as a printable checklist in the resources section below. If you need any special assistance throughout the process we will accommodate you in any way possible.

Lead Safe Baltimore County (LSBC) 
The LSBC program is grant funded program that assists Baltimore County residents with lead paint hazards at their home.  The LSBC program is open to homeowners, tenants, and landlords with vacant rental properties.
The LSBC program offers free lead testing in the form of a risk assessment and lead hazard reduction services, such as; window and door replacement and interior and exterior painting. The risk assessment will identify where lead-painted surfaces exist and determine the amount of work to be performed up to $15k.  Household occupants will be relocated during the work at no expense to them.
Potential applicants can apply through the LSBC offices located at 105 West Chesapeake Ave, Suite 201, Towson, MD 21204, 410-887-3668.  A staff person can make home visits to assist with the application.  All potential applicants must meet the program guidelines.
The main program requirements are:
·       Income eligible, see our website for income levels
·       Baltimore County resident
·       Child six or under that lives at the house or visits the house on a regular basis
·       A pregnant woman lives at the house
·       House was built before 1978
With newly proposed Maryland legislation requiring all children ages 1 and 2 to be tested for lead, we expect to see an increased demand for lead hazard reduction services.  Please help us to reach out to Baltimore County residents that you serve who may be in need of LSBC services.  More info si available at the LSBC web site  or at the Maryland Department of the Environment (MDE) website.