Listings for Financial / Utility Discounts


Finances impact every part of our lives. As we age, finances can be strained by a fixed income, familial obligations, changes in the economy, and more. Resources, both public and private, in the community can help you to navigate your personal financial situations.

Utility Discounts

These programs offer financial discounts on utility bills. Most programs have income limits, guidelines, and an application process.

See the glossary for descriptions of all categories

Administration of Resources and Choices (ARC)

Home Owner Assistance Fund, Home Buyer Program and Reverse Mortgage

1625 N. Alvernon, Ste 101
Tucson, AZ 85712

(520) 623-9383

Fax: (520) 623-9577


  • Low Income

The Homeowner Assistance Fund (HAF):
Helps eligible individuals and families who have experienced financial difficulties from COVID-19 (since January 2020) pay mortgage delinquencies and balances due, past due utilities, unpaid homeowners’ insurance, and taxes.

Home Buyer Programs:
Affordable lending now makes it possible for more individuals and families to consider homeownership than ever. ARC’s certified Housing Counseling professionals use a Home Buyer Readiness Survey to create individual plans that can help you achieve successful homeownership.

You can expect to receive the following benefits upon completion of ARC’s “Home Buying and Pre-Purchase Services” program:

Education and Counseling
Eligibility Review for Down Payment Assistance
Home Purchase Budget Preparation
Credit Score Review and Credit Counseling
Home Buyer Education Class Certification
Evaluation of Various Lending Programs
Mortgage Readiness Review
How much home is right for you?
Know your borrowing potential
Review lender opportunities

Reverse Mortgage Counseling:
Let ARC’s professional counselors help you determine if a Reverse Mortgage is right for you. The initial consultation is free. You must be 62 years or older to apply.

A Reverse Mortgage Can…
Create a tax-free income stream for life
Provide security to age in place
Eliminate loan payments during your lifetime
Call us for an appointment: (520) 301-5126

business hours
Monday - Thursday 9am-5pm; Friday 9am-4pm

Frees for credit reports and reverse mortgage program, Please call for details.

Assurance Wireless

P.O. Box 5040
Charleston, IL 61920-9907

(888) 321-5880


  • Low Income

Assurance Wireless is a federal Lifeline Assistance program that provides a free Android smartphone, free monthly data, unlimited texts, and monthly minutes for qualified low-income individuals. You may be eligible based on household income or if you or a member of your household participate in public assistance programs such as Medicaid, SNAP, or SSI. For more information, please call or visit our website to apply.

Free to qualifying customers


Lifeline Telephone Assistance Program

(800) 201-4099

This program is a discount program for older adults who meet low-income requirements. Federal rules allow only one subsidized landline or cell phone per household. To apply, call or visit the website.

City of Tucson Water

Low Income Water Assistance Program

310 W. Alameda St.
Tucson, AZ 85701

(520) 791-3242


Providing water service for Tucson. Tucson Water offers a variety of assistance for qualified customers.

business hours
M - F 8:00 AM - 5:00 PM

Please visit this website to view water rates and monthly charges.

Q-Link Wireless

(855) 754-6543

Fax: (855) 837-5465

  • Low Income

Q-Link Wireless is a government program that provides a free smartphone with free monthly services such as monthly calling, monthly data, unlimited texting, and more for low-income individuals. You may qualify if you participate in a government program like SNAP, EBT, Medicaid, Section 8, SSI, Veteran pension Benefits, and more.

business hours
Mon-Fri 8am-12am EST Sat-Sun 9am-6pm EST

Free to qualifying customers

Safelink Wireless

Wireless Phone Discount

P.O. Box 220009
Milwaukie, OR 97269-0009

(800) 723-3546 | (800) 378-1684 Tech Support

Fax: 866-902-5756

  • Low Income

SafeLink Wireless is a program serving eligible households. We provide a phone with unlimited talk, text & data with international calling & 10G hotspots. You may use your current phone or apply to receive a new phone free of charge. Please visit call or visit our website for more information.

business hours
Enrollments and Plan Changes M-S 8:00 AM - 10:00 PM EST; Su 8:00 AM- 7:00 PM EST; Technical Support M - Su 8:00 AM - 12:00 AM

Please call or visit their website for pricing and qualification details.

Southwest Gas

Utility Assistance

Tucson, AZ

(877) 860-6020

  • Low Income

Southwest Gas offers a utility assistance program for qualified customers. The program includes a discounted monthly basic service charge and a 30% reduction on the first 150 therms per month from Nov. 1st–Apr., 30th. Eligibility is based on income and other factors. Call or visit the website for further information and to schedule an appointment. If you need help with the application process, you can call PCOA's helpline at (520) 790-7573 Ext 7262 for assistance.

service area

business hours
M - F 8:00 AM - 5:00 PM

Tucson Electric Power (TEP)

Lifeline Program

P.O. Box 711
Tucson, AZ 85702

(520) 623-7711

  • Low Income

Tucson Electric Power offers a monthly discount to limited-income customers. TEP’s Lifeline Program Discount can offer an $18.00 discount per month. Income limits: $2,265/month for one; $3,052/month for two. Please visit our website for more monthly income eligibility on family size. Visit our website to complete an application or call for more information.

business hours
M-F 7:00 AM - 6:00 PM

Valley Assistance Services, Inc.

3950 S. Camino del Heroe
Green Valley, AZ 85614

(520) 625-5966

Fax: (520) 625-1261


  • Low Income
  • Spanish Services

Valley Assistance Services provides multiple community health and social services programs, which include:
- Going Home with Care, a post-hospital discharge program
- A Touch That Cares (R), RN Medical Advocacy for seniors
- SHiM (R), (Safety and Health in Motion), a fall prevention program
- Neighbors Helping Neighbors in Green Valley/Sahuarita and Tubac Regional Neighbors Helping Neighbors, a transportation and socialization program
- MAP (Map-a-Plan), a rent and utility assistance program
- Workforce Training/Career Path Building and Computer Lab
- Neighbors AIM (Awareness in Memory Loss), classes, and peer-support groups
- connect with, friendly phone calls to seniors
- SASS (Social and Support for Seniors), peer-group socialization
- SNAP (food stamps) application
See separate Resource listings for detailed information.

service area
Amado,Arivaca,Green Valley,Sahuarita,Tubac

business hours
M - F 9:00 AM - 5:00 PM

All programs are free except for A Touch That Cares(R) concierge care management, a fee-based program.