Financial Incentives

Contact Us

  1. Ruth Davis-Rogers

    Historic Planner / Preservation Coordinator


     Community Development Department

    City Hall

    57 N Liberty Street

    Cumberland, MD 21502

    Phone: 301-759-6431

    Staff Directory

Financial incentives fall into four major categories: tax credits (federal, state and local), low-interest loans, and grants. Of these categories, grants are generally only made to non-profit and government entities. Only at the local level are grants generally made to private, for-profit property owners.

  1. Grants
  2. Tax Incentives
  3. Maryland Historical Trust Incentive Programs


A grant is an award, usually financial, given by one entity (typically a company, foundation, or government) to an individual or a company to facilitate a goal or incentivize performance. Grants are essentially gifts that do not have to be paid back, under most conditions. 

There are many grant sources and the application requirements and application periods vary.  Below are a few grant opportunities:

Preservation Maryland – Heritage Fund

The Preservation Maryland Heritage Fund provides direct assistance for the protection of historical and cultural resources and promotes innovative demonstration projects that can be successfully replicated to meet Maryland’s historic preservation needs. Grants range from $500 to $5000 and are reviewed and awarded by the Heritage Fund Selection Committee in three rounds each year. The Fund is intended to serve the needs of tangible cultural resources in Maryland. Historic sites, buildings, districts, objects, and archaeological resources are eligible for funding.

Maryland Historical Trust – African American Heritage Preservation Program Grants

The African American Heritage Preservation Grant Program is administered as a joint partnership of the Maryland Commission on African American History and Culture (MCAAHC) and the Maryland Historical Trust (MHT). The Program provides support for the acquisition, construction, and capital improvement buildings, sites, or communities of historical and cultural importance to the African American experience in Maryland. Grant awards may require that the owner convey a perpetual preservation easement to the Maryland Historical Trust.

Project and Program Grants

Maryland Heritage Area Authority – Non-Capital Project Grants

Grants of up to $50,000 are available for non-capital projects. A one-to-one match of the grant award with non-state support is required. Potential projects include work in the categories of Planning (research, field investigation, data recovery, feasibility and planning studies, design documents and other planning activities that support the heritage area); Interpretation (exhibits, signage, pedestrian wayfinding signage, interpretive brochures, educational programs and materials, other interpretive activities that support the heritage area); and Programming (seminars, conferences, performances, reenactments, commemorations, festivals). Grant awards may require that the owner convey a perpetual preservation easement to the Maryland Historical Trust.

Maryland Humanities Council – Grant Programs

MHC provides grants to nonprofit organizations that use the humanities (literature, philosophy, history, etc.) to engage Marylanders. Grant categories and criteria encourage free, public programming in many forms including discussions, exhibits, lectures, living history, and seminars using the humanities as the central tools to explore and understand the complexity of an issue.

Maryland Traditions – Project Grants

Maryland Traditions Project Grants support research and programming that adds significance to Maryland communities by encouraging and funding professionals as well as community scholars, organizations, and artists to document, preserve, sustain, and present Maryland’s traditional arts and culture. Past project grants have included a row house arts festival hosted by a major museum, an oral history of oyster workers, and an Arabber wagon restoration project. Contact Clifford Murphy at 410-767-6450 or Michelle Stefano at 410-767-6570 for more information.

National Trust for Historic Preservation – Preservation Funds

Grants from National Trust Preservation Funds (NTPF) are intended to encourage preservation at the local level by providing seed money for preservation projects. These grants help stimulate public discussion, enable local groups to gain the technical expertise needed for particular projects, introduce the public to preservation concepts and techniques, and encourage financial participation by the private sector.


Loan Programs

Maryland Historical Trust – Loan Program

Nonprofit organizations, local governments, individuals, and business entities may apply for loans to acquire and/or rehabilitate historic properties.   All rehabilitation work must meet the Secretary of the Interior’s Standards for the Treatment of Historic Properties. MHT Loans require the conveyance of a perpetual historic preservation easement to the Maryland Historical Trust.

Maryland Heritage Area Authority – Loan Program

MHAA Loans must be within a Target Investment Zone and endorsed by the Certified Area management entity.  MHAA may require the conveyance of a perpetual historic preservation easement to the Maryland Historical Trust.