Who qualifies
There are no income limits. Eligibility is about the home, the roof, and the order in which you do things.
Your home qualifies if
- It's your owner-occupied primary residence and you live in Kentucky at least 181 days a year.
- It's an insurable single-family home, or a multifamily dwelling of up to 4 units with all owners participating. Modular homes qualify.
- The roof is in good repair — sound enough that an evaluator can certify it as mitigable.
- There's no open insurance claim on the roof. The grant upgrades roofs; it doesn't repair damage.
- You can get the required local permits and code inspections.
Disqualifiers
- Mobile homes and condominiums are not eligible.
- Dry-stack (unmortared) foundations are ineligible without an approved retrofit.
- Work already started or completed. There is no retroactive grant, full stop.
- A second grant. One grant per structure, ever.
- Rental property you don't live in — it must be your primary residence.
Two things that surprise people
No income test. Unlike most home-repair assistance, SKH is a resilience program, not a poverty program. A $400,000 house in Prospect qualifies on the same terms as a $90,000 house in Mayfield.
Regional pools mean your odds are local. The $5 million is divided equally among Kentucky's 15 area development districts. Applications compete only against others in the same region, first come, first served — and leftover funds from slow regions eventually flow to exhausted ones.
Think you qualify? The application steps are here.Not sure about your roof's condition? That's exactly what theevaluator visit determines.
Sources: SKH official FAQ,806 KAR 2:200,skh.ky.gov. The regulation's wording controls where sources differ.