Planning that bathroom renovation or finally tackling those aging-in-place modifications? Before you head to the hardware store, let’s talk about how to stretch your budget. While the home improvement giants like Home Depot and Lowe’s might not roll out the red carpet with official senior discounts, there are still plenty of ways to save on your projects without sacrificing quality.

Here’s what you need to know about getting the best deals on your home improvement needs.

The Reality Check: Major Chains and Senior Discounts

Home Depot: No Senior Discount, But Military Benefits

As of 2025, Home Depot does not offer a senior discount. However, they do provide a 10% military discount to active members and veterans of the U.S. military, with a $400 maximum annual discount. If you’re a veteran, this could be a significant savings opportunity.

Instead of senior discounts, Home Depot focuses on their Pro Xtra Loyalty program, which offers rewards and savings to frequent customers. You can also take advantage of their price-match policy, which allows you to match prices from competitors like Lowe’s, Costco, Walmart, and Amazon.

Lowe’s: Military Discount Available

Like Home Depot, Lowe’s doesn’t offer a traditional senior discount either. They do provide a 10% everyday military discount to verified members through their ID.me program. For the rest of us, Lowe’s offers several money-saving programs including their MyLowe’s Rewards program and special financing options like 5% off or 6 months special financing on qualifying purchases.

Where You CAN Find Senior Savings

Ace Hardware: The Local Exception

Here’s where things get more interesting. Many independently owned Ace Hardware stores offer senior discounts, typically 10-20% off one day per week (often Thursdays). Since Ace stores are independently owned, policies vary by location, so it’s worth calling your local store to ask about their specific senior discount program. You can find your local Ace Hardware store to inquire about their senior discount policy.

The age requirement varies but is usually 60 or 65 years old. Some stores require ID verification, while others simply ask your age at checkout.

Beyond the Big Names

Don’t overlook smaller, local hardware stores in your area. Many family-owned businesses offer senior discounts as a way to build customer loyalty. These stores often provide more personalized service and may be willing to negotiate on larger purchases or special order items.

Smart Shopping Strategies That Work Everywhere

Loyalty Programs: Your Secret Weapon

Both major chains offer loyalty programs that can provide substantial savings:

• Home Depot Pro Xtra: Free to join, offers exclusive deals and bulk pricing

• Lowe’s MyLowe’s Rewards: Earn points toward rewards, get personalized offers, and enjoy free shipping on orders over $45

• Ace Rewards: Earn points on purchases, get a $5 reward for signing up, and receive exclusive email offers

Timing Your Purchases

Shopping strategically can save you more than any discount:

• End of season clearances: Buy lawn equipment in fall, snow blowers in spring

• Holiday sales: Memorial Day, Labor Day, and Black Friday often feature tool sales

• Spring preparation: February and March sales to clear winter inventory

Money-Saving Tips That Add Up

Price Matching: Don’t Leave Money on the Table

Both Home Depot and Lowe’s offer price-matching policies. If you find a lower price on an identical item at a competitor, they’ll match it. This includes online prices from major retailers. Always check online prices before heading to the store and bring proof of the lower price.

Bulk Buying and Pro Programs

If you’re planning multiple projects, consider the pro programs at both stores. You don’t need to be a contractor to join. The bulk pricing discounts can add up quickly, especially on items like lumber, paint, and hardware.

Seasonal Opportunities

Take advantage of seasonal patterns:

• Paint goes on sale in spring

• Appliances have the best deals in September and October

• Tools often see significant discounts around Father’s Day

• Garden supplies are heavily discounted in late summer

Alternative Options Worth Considering

Harbor Freight Tools: The Budget-Friendly Choice

While Harbor Freight doesn’t offer senior discounts, their everyday prices on tools are often significantly lower than major chains. They frequently run promotions and offer coupons that can provide substantial savings. If you need tools for a one-time project, Harbor Freight can be an excellent option.

Menards: Regional Savings

If you live in the Midwest, Menards doesn’t offer senior discounts but runs frequent rebate programs that can provide significant savings. Their 11% rebate sales are legendary among savvy shoppers.

Making the Most of What You Have

Credit Card Benefits

Many store credit cards offer additional savings:

• Home Depot Credit Card: Offers special financing and exclusive cardholder discounts

• Lowe’s Credit Cards: Provide 5% off everyday purchases and special financing options

Don’t Forget the Basics

Sometimes the best savings come from simple strategies:

• Sign up for email lists to get exclusive coupons and sale notifications

• Check store apps for mobile-only deals

• Ask about open-box or display model discounts on appliances

• Consider buying during off-peak seasons when demand is lower

The Bottom Line

While the major home improvement chains haven’t embraced senior discounts the way restaurants and retailers have, that doesn’t mean you can’t save significantly on your projects. The key is combining multiple strategies…loyalty programs, price matching, seasonal sales, and smart timing can often save you more than a standard senior discount would.

Your local Ace Hardware might offer the senior discount you’re looking for, and smaller independent stores in your area could provide both discounts and personalized service that the big chains can’t match. Don’t be afraid to ask…the worst they can say is no, and you might be pleasantly surprised by what’s available.

Key Takeaways

• Home Depot and Lowe’s don’t offer senior discounts but both provide 10% military discounts for veterans and active duty

• Many Ace Hardware stores offer 10-20% senior discounts one day per week, typically Thursdays for ages 60-65+

• Price matching policies at major chains can save more than traditional discounts if you do your research • Loyalty programs, seasonal sales, and strategic timing often provide better savings than senior discounts • Local independent hardware stores frequently offer senior discounts and personalized service worth exploring