Service Line Replacement Loan

When the worst happens, the City of Helena can help. 457-8567

A service line is the conduit of pipe that brings good drinking water to your home and takes away wastewater. These are the connecting pipes to City water and sewer mains. The average service line in the City of Helena is 49 years of age. Many of these older pipes are also made of clay and are not buried to today’s require depths, which make them susceptible to freezing during the winter.

If you have a service line event, contact the Utility Maintenance Division to learn about the Service Line Replacement Loan Program.

About the Program

The Service Line Replacement Loan Program was put into effect through Resolution No. 20494(PDF, 37KB) on the 29th of October, 2018 to lighten the immediate financial burden to homeowners needing to repair a water service line or sewer service line on an emergency basis. Benefits of the loan program include:

  • 0% Interest Rate
  • Homeowners can receive up to $15,000 in repair costs.

The zero percent (0%) interest loan is offered to all Helena residents who pay into the loan program via their City Utility bills and is restricted to single dwelling unit residential properties. Loan coverage extends from the connection to the main to within 2 feet of the exterior foundation wall of the home. The loan term is not to exceed 10 years from the date of loan approval, though loans can be paid off at any time prior to 10 years with no penalty assessed. In addition, dependent on the Median Family Income of the applicant, the homeowner may be eligible for loan deferral, which allows the homeowner to pay off the loan upon the sale or transfer of the property. All prospective loan recipients must go through an application and approval process, submit their contractor(s)' bids and final invoices, and sign a Loan Agreement, prior to receipt of loan funds.

For additional information, please see Resolution No. 20494(PDF, 37KB) , call 457-8567, or send an email to UMDinfo(at)


Program Eligibility


  • Residential property owners.
  • Single family only.
  • One dwelling per lot.
  • For repair or replacement purposes.


  • New service lines for existing and new construction.
  • Commercial property owners.


How to Apply

1. Fill out the Service Line Replacement Loan Program Application materials(PDF, 212KB)

2. Return your application to the address on the application.