Holland, MI

The City of Holland, Michigan, established the Holland On-Bill Loan Program in 2016 to help residents overcome high initial costs for energy efficiency upgrades. Managed by the Holland Energy Fund, the program allows homeowners to borrow between $5,000 and $30,000, with repayments integrated into their monthly electric utility bills. In its first three years, the program invested over $2 million into 116 homes. Eligible improvements must be based on a whole-home energy audit and documented in the Michigan Energy Measures Database, with renewable energy upgrades permitted only after a home achieves a Home Energy Score of eight.

• The Holland On-Bill Loan Program, launched in late 2016, invested over $2 million into 116 homes during its first three years of operation.
• Residential building owners with four units or fewer in Holland can borrow between $5,000 and $30,000 for eligible energy-efficiency improvements, with interest rates of 4.99% for terms up to ten years and 5.99% for terms between ten and 15 years.
• Loan repayment is managed via a per-meter charge on monthly electric bills; failure to pay can lead to disconnection of electric service or enforcement through the tax lien foreclosure process, as the loan obligation runs with the land.
• Eligible upgrades must follow a whole-home energy audit and be listed in the Michigan Energy Measures Database; renewable energy improvements are only allowed once a home reaches a U.S. Department of Energy Home Energy Score of eight.

APA

Environmental and Energy Study Institute (n.d.). Holland, MI. https://www.eesi.org/obf/case-study/hollandMI

Chicago

Environmental and Energy Study Institute. Holland, MI. n.d. https://www.eesi.org/obf/case-study/hollandMI.

Wikipedia

{{cite report |author=Environmental and Energy Study Institute |title=Holland, MI |url=https://www.eesi.org/obf/case-study/hollandMI |access-date=17 August 2026 |via=Climate Insights Directory}}

BibTeX

@techreport{environmentalandenergystudyinstitutendholland, author = {{Environmental and Energy Study Institute}}, title = {{Holland, MI}}, institution = {Environmental and Energy Study Institute}, url = {https://www.eesi.org/obf/case-study/hollandMI}, urldate = {2026-08-17}, note = {Indexed by Climate Insights Directory} }