{"id":1592,"date":"2025-03-24T16:31:00","date_gmt":"2025-03-24T16:31:00","guid":{"rendered":"https:\/\/usahi.wpenginepowered.com\/2025\/03\/24\/https-usahomeimprovement-com-homeowners-resources-states-that-offer-pace-financing\/"},"modified":"2026-03-14T17:32:29","modified_gmt":"2026-03-14T17:32:29","slug":"states-that-offer-pace-financing","status":"publish","type":"post","link":"https:\/\/usahomeimprovement.com\/es\/homeowners-resources\/states-that-offer-pace-financing\/","title":{"rendered":"List of States That Offer PACE Financing"},"content":{"rendered":"<p>For homeowners seeking to <a href=\"https:\/\/usahomeimprovement.com\/es\/homeowners-resources\/everything-need-to-know-financing-home-improvement-project\/\">fortify their homes<\/a> against hurricanes or invest in energy-efficient upgrades, PACE (Property Assessed Clean Energy) financing offers a flexible way to fund improvements without upfront costs. This program, available in select states, attaches repayment to property taxes, making it easier to invest in long-term resilience.<\/p>\n<p><!--more--><\/p>\n<p>Below, we break down where PACE is available, how it works in each state, and what projects qualify with a focus on hurricane-prone regions like Florida.<\/p>\n<h2>What Is PACE Financing?<\/h2>\n<p><a href=\"https:\/\/usahomeimprovement.com\/es\/homeowners-resources\/how-does-pace-financing-work-in-florida\/\">PACE financing<\/a> allows homeowners to finance qualifying upgrades like impact windows, solar panels, or roofing through a voluntary property tax assessment. Repayment occurs over 5 &#8211; 25 years, and the obligation transfers to the next owner if the home is sold. Key features include:<\/p>\n<ul>\n<li aria-level=\"1\">No upfront costs: 100% financing for materials, labor, and permits.<\/li>\n<li aria-level=\"1\">Long terms: Fixed interest rates with repayment periods up to 25 years.<\/li>\n<li aria-level=\"1\">Energy and safety focus: Prioritizes projects that improve efficiency or disaster resilience.<\/li>\n<\/ul>\n<p>PACE is ideal for Floridians preparing for hurricane season, as it covers impact-resistant windows, doors, and roofs that protect homes while lowering insurance premiums.<\/p>\n<h2>States with Active Residential PACE (R-PACE) Programs<\/h2>\n<p>While PACE is available for commercial properties in over 36 states, residential PACE (R-PACE) is currently active in three states, each with unique program frameworks:<\/p>\n<h3>Florida&#8217;s PACE Program for Hurricane Readiness<\/h3>\n<p>Florida leads the nation in leveraging <a href=\"https:\/\/usahomeimprovement.com\/es\/financing\/\">PACE for hurricane preparedness<\/a>. Homeowners can finance impact-resistant windows, reinforced roofing, and solar panels upgrades proven to withstand Category 5 winds. Terms range from 5 to 25 years, with no income or credit score requirements.<\/p>\n<p>For example, Miami-Dade County residents often use PACE to install impact windows, which not only protect against storms but also reduce cooling costs year-round.<\/p>\n<p>Local providers like USA Home Improvement streamline the process, ensuring projects meet PACE guidelines while maximizing durability and energy savings.<\/p>\n<h3>California&#8217;s Focus on Sustainability and Wildfire Resilience<\/h3>\n<p><a href=\"https:\/\/cscda.org\/property-assessed-clean-energy-programs\/\" rel=\"nofollow noopener\" target=\"_blank\">California&#8217;s Property Assessed Clean Energy (PACE) program<\/a> stands as the largest and most active in the nation. Since 2014, the state&#8217;s Loss Reserve Program has covered 98,395 residential PACE financings, totaling $2.4 billion.<\/p>\n<p>The program&#8217;s impact varies regionally. Coastal cities like San Diego prioritize flood mitigation, while inland areas like Sacramento focus on solar energy to offset rising utility costs..<\/p>\n<p>Eligible projects include:<\/p>\n<ul>\n<li aria-level=\"1\">Renewable energy: Solar panels and battery storage<\/li>\n<li aria-level=\"1\">Disaster resilience: Wildfire-resistant materials, flood barriers, seismic upgrades<\/li>\n<li aria-level=\"1\">Energy efficiency: Insulation, LED lighting, water-saving systems<\/li>\n<\/ul>\n<p>Homeowners can access 100% upfront financing with repayment terms stretching from 5 to 30 years, all tied to property tax assessments. Interest rates typically range from 6% to 9%, often lower than unsecured personal loans.<\/p>\n<h3>Missouri&#8217;s Affordable Energy Solutions<\/h3>\n<p><a href=\"https:\/\/dnr.mo.gov\/energy\/financial-assistance-opportunities\/property-assessed-clean-energy-pace\" rel=\"nofollow noopener\" target=\"_blank\">Missouri&#8217;s PACE program,<\/a> initially authorized for both residential and commercial projects, is undergoing significant changes. While historically offering financing for energy efficiency and storm-resistant upgrades, recent legislation has shifted the landscape. For example, 2021 reforms mandated income verification, contractor vetting, and subordination of PACE liens to mortgages.<\/p>\n<p>Key details:<\/p>\n<ul>\n<li aria-level=\"1\">Eligible projects include HVAC systems, insulation, solar installations, and energy-efficient windows.<\/li>\n<li aria-level=\"1\">Terms up to 20 years, repaid through property tax assessments.<\/li>\n<li aria-level=\"1\">Recent state law (<a href=\"https:\/\/www.senate.mo.gov\/24info\/bts_web\/Bill.aspx?SessionType=R&amp;BillID=1534\" rel=\"nofollow noopener\" target=\"_blank\">SB736<\/a>) prohibits new residential PACE projects after August 28, 2024.<\/li>\n<li aria-level=\"1\">Existing contracts in participating areas like St. Louis County and Kansas City remain active.<\/li>\n<\/ul>\n<p>Today, Missouri&#8217;s program primarily focuses on commercial PACE (C-PACE), which continues to thrive statewide. For example, the $35M Gateway Studios retrofit in St. Louis showcases C-PACE&#8217;s ongoing impact.<\/p>\n<p>While residential PACE options are limited, Missouri&#8217;s experience underscores the importance of robust consumer protections and adaptable financing models lessons that reinforce the value of established programs like Florida&#8217;s for hurricane-ready home improvements.<\/p>\n<h2>States with Commercial PACE (C-PACE) and Future R-PACE Potential<\/h2>\n<p>While residential PACE remains limited, five states recently enacted C-PACE legislation (Georgia, Idaho, Hawaii, New Jersey, and New Mexico), signaling the potential for future R-PACE expansion:<\/p>\n<ul>\n<li aria-level=\"1\">Georgia: <a href=\"https:\/\/www.gacities.com\/Legislative-Session\/Bill\/HB206\" rel=\"nofollow noopener\" target=\"_blank\">HB 206<\/a> authorizes C-PACE for energy efficiency, water conservation, and resiliency projects.<\/li>\n<li aria-level=\"1\">New Mexico: <a href=\"https:\/\/www.pace-equity.com\/pace-financing-states\/santa-fe-and-the-state-of-new-mexico\/\" rel=\"nofollow noopener\" target=\"_blank\">Bernalillo County and Albuquerque<\/a> now offer C-PACE for commercial properties.<\/li>\n<li aria-level=\"1\">Hawaii: Currently offers C-PACE administered by the <a href=\"https:\/\/gems.hawaii.gov\/hi-c-pacer\/\" rel=\"nofollow noopener\" target=\"_blank\">Hawaii Green Infrastructure Authority<\/a>.<\/li>\n<\/ul>\n<p>These states are critical to watch for potential R-PACE adoption, especially in hurricane-prone regions like Georgia and New Jersey.<\/p>\n<h2>Leverage PACE Financing For Essential Hurricane-Preparedness Updates<\/h2>\n<p>For Floridians, PACE isn&#8217;t just financing\u00e2\u20ac\u201dit&#8217;s an investment in hurricane survival, offering a lifeline for homeowners in this hurricane-prone region. Impact windows and reinforced roofs funded through PACE prevent costly storm damage while lowering insurance premiums by 15 &#8211; 30%.<\/p>\n<p>Here at <a href=\"https:\/\/usahomeimprovement.com\/es\/financing\/\">USA Home Improvement,<\/a> we can help you align these upgrades with local building codes, ensuring compliance and durability. For more information, or to get a quote, <a href=\"https:\/\/usahomeimprovement.com\/es\/contact-us\/\">contact us today.<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>For homeowners seeking to fortify their homes against hurricanes or invest in energy-efficient upgrades, PACE (Property Assessed Clean Energy) financing offers a flexible way to fund improvements without upfront costs. This program, available in select states, attaches repayment to property taxes, making it easier to invest in long-term resilience.<\/p>","protected":false},"author":1,"featured_media":1893,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[22,21],"class_list":["post-1592","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowners-resources","tag-home-improvement-financing-florida","tag-pace-financing-florida"],"_links":{"self":[{"href":"https:\/\/usahomeimprovement.com\/es\/wp-json\/wp\/v2\/posts\/1592","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usahomeimprovement.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usahomeimprovement.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usahomeimprovement.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/usahomeimprovement.com\/es\/wp-json\/wp\/v2\/comments?post=1592"}],"version-history":[{"count":0,"href":"https:\/\/usahomeimprovement.com\/es\/wp-json\/wp\/v2\/posts\/1592\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/usahomeimprovement.com\/es\/wp-json\/wp\/v2\/media\/1893"}],"wp:attachment":[{"href":"https:\/\/usahomeimprovement.com\/es\/wp-json\/wp\/v2\/media?parent=1592"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usahomeimprovement.com\/es\/wp-json\/wp\/v2\/categories?post=1592"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usahomeimprovement.com\/es\/wp-json\/wp\/v2\/tags?post=1592"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}