Septic systems that are properly installed and
maintained provide for healthy communities and protection of clean water sources. The Oregon Department of Environmental
Quality provides information about resources for homeowners who need financial
assistance for septic system repairs or replacements.
This is not a comprehensive list of resources and anyone seeking funds for their home is encouraged to check with
their local governments or housing agencies for more funding opportunities.
Onsite financial aid through the American Rescue Plan Act
DEQ received federal funding for the purpose of
repairing and replacing septic systems in Oregon. This program provided funding to eligible
organizations, which then issued grants or loans to homeowners. Eligible organizations include local, county,
or state governments; soil and water conservation districts; Tribal governments, and community development financial
institutions. For more information about the impacts of this program through December 2024, please see our report, Onsite Septic Financial Aid Program, Opportunities and Outcomes. Craft3 Program
DEQ partners with Craft3, a local nonprofit lender, to utilize ARPA funding and offer an affordable loan to repair or replace failing septic systems. The loan can cover all eligible design, permitting and installation fees. In some cases, it can even finance connection to a nearby municipal sewer. Lower rates and deferred payment options may be available for homeowners with lower incomes. Up to $15,000 in grant funding may be available to eligible borrowers as part of the loan packages. The loans are made possible by funding from the Oregon Legislature. Learn more and apply at the Craft3 website.
Other septic resources
U.S. Department of Agriculture
The U.S. Department of Agriculture offers programs for low-income homeowners in rural areas for both septic and home repairs. USDA services are available statewide, and more information is available on the USDA web page, Water & Waste Disposal Loan & Grant Program in Oregon.
Tribal resources
Members of federally recognized Indian tribes, bands or groups may be eligible to apply for funding from their tribal housing authority or environmental health department for water supply and sewage disposal facilities on owner-occupied property.
County resources
The following programs are available only to residents within the specific counties and there may be additional requirements, as each program has its own eligibility rules.