Home Energy Loans

The City of Duluth Energy Loan program has funds to lend at 4.9% interest for a term of ten years. The funds can be borrowed for natural gas energy improvements to properties within the city limits of Duluth by people who are natural gas customers of Duluth Public Works & Utilities.

A home energy analysis must document that the proposed improvements will have an energy savings pay back of twenty years or less. In addition to the payback requirement, you must have adequate equity in the property to be improved to warrant the place of a second mortgage/lien on the home. To sign up for a home energy analysis signup online.

Two written bids from contractors of your choice must be submitted for each proposed project. If you intend to do the work yourself, you must provide two written bids for materials from suppliers.

The loan will be a lien on your property. You will be required to sign a mortgage. If you are buying your property on a contract for deed, the deed holder will be required to sign a form agreeing to the lien for the improvements to the property.

The maximum loan amount is $30,000 for an owner occupied house or $15,000 per rental unit for non-owner occupied or multi-unit properties.

**You are required to have loan payments deducted from a valid checking account.

Apply Online

Energy Audit InformationFree energy analysis available contact:

Sign up online for a home energy analysis here.

For the Advanced Home Energy Analysis contact one of our independent contractors here:

Northern Energetics LLC



  • Furnace replacement or modification
  • Storm windows, wall, attic, floor or foundation insulation
  • Storm doors
  • Caulking and weather-stripping
  • Water heaters
  • Any energy saving improvement with an estimated payback of less than 20 years

  • Replacement windows
  • Siding
  • Payoff of an existing loan
  • Non-energy saving items
  • Any energy saving improvement with an estimated payback greater than 20 years.