I Wanna Get Pumped

Stack the Money.

It’s a great time to be installing a heat pump. There are a lot of incentives to switch, at multiple levels. Be smart about this before you even call your group.

Free money on the bedside table

Who's paying you to get heat pumped?

Heat pumps come with one of the most generous incentive stacks of any home upgrade. Grants, tax credits, utility rebates, interest-free loans, even tradable certificates. Programs change fast though, so we validate every link weekly. Sources are linked per row.

Region
State (showing federal + selected)
Only a sample of state programs shown. For your specific ZIP, check the DSIRE database (linked in the federal row).
United States: Federal heat pump tax credit (25C) expired Dec 31, 2025 via the One Big Beautiful Bill Act. State, utility, and federal HEAR rebates are now the primary incentive vehicles.
Active programs
25
Largest single
$50,000
Realistic stack
$34,400
best-case top 3
Program ↕Scope ↕Type ↕Max ↓Eligibility
DSIRE Database
dsireusa.org ↗		FederalAggregatorevery programSearchable database of every state, local, utility, and federal incentive currently active. Funded by US DOE, maintained by NC State University. Best ZIP-code-level starting point.
ENERGY STAR Save at Home
ENERGY STAR ↗		FederalAggregatorqualifying productsEPA-curated database of ENERGY STAR-rated heat pumps and tax credit guidance through the Dec 31, 2025 expiration. Good for verifying equipment efficiency tiers.
Maryland Energy Administration directory
MEA all incentives ↗		MarylandAggregatorall MD programsDirectory of all active MEA incentives including HEAR (Inflation Reduction Act), Electrifying Community Buildings, and the Ground Source Heat Pump pilot.
Illinois Solar for All
Illinois Solar for All ↗		IllinoisIncome-qualifiedincome-testedSolar plus heat pump bundles for income-eligible households. Administered by the Illinois Power Agency via Elevate. Stack with ComEd and Ameren utility rebates.
Section 25C Tax Credit
IRS Energy Efficient Home Improvement Credit ↗		FederalTax creditEXPIRED Dec 31, 2025Repealed by the One Big Beautiful Bill Act (Public Law 119-21, July 4, 2025). Installs placed in service on or before Dec 31, 2025 may still claim on 2025 returns (Oct 15, 2026 extension deadline). 2026 installs are NOT eligible.
PSE&G / JCP&L / ACE
NJ incentive stack (DSIRE) ↗		New JerseyUtility rebate$900-$1,300Utility-specific rebates. Stack with Whole Home for ~$8,900 combined total.
Focus on Energy
Focus on Energy ↗		WisconsinStatewide rebateup to $1,500Wisconsin-wide. Cold-climate air-source and geothermal heat pumps qualify. Bonus tier for low-income households via residential energy assistance.
NHSaves
NHSaves ↗		New HampshireUtility-fundedup to $1,500Joint program of Eversource, Liberty, NH Electric Co-op, and Unitil. Cold-climate ASHP installations qualify. State HEAR launching mid-2026.
BGE Smart Energy Heat Pump
BGE ↗		MarylandUtility rebateup to $2,000BGE electric customers in central Maryland. Stacks with EmPOWER Maryland program. Verify current funding via MEA all-incentives directory.
NYS Clean Heat (NYSERDA)
NYS Clean Heat ↗		New YorkStatewide rebate$100-$2,400/unitRebates vary by utility (NYSEG, RG&E, National Grid, Con Edison, Central Hudson, O&R), system type, efficiency. Cold-climate ASHP up to $2,000. As of Jan 1 2026, only 1-4 unit residential homes eligible.
Efficiency Vermont
Efficiency Vermont ↗		VermontState rebateup to $2,400Cold-climate ASHP installed by participating contractor. Enhanced rebates for moderate-income households.
TVA EnergyRight
TVA EnergyRight ↗		TennesseeUtility rebateup to $2,500Available to customers of TVA local power companies across Tennessee, plus parts of AL, GA, KY, MS, NC, VA. Heat pump replacements qualify when installed by Quality Contractor Network members.
TECH Clean California
TECH Clean California ↗		CaliforniaContractor incentive$1,000-$3,000Statewide incentives via trained contractor network. Cannot stack with HEEHRA on same project. Open to all CA homeowners.
Colorado Heat Pump Tax Credit
Colorado Energy Office ↗		ColoradoState tax credit$1,500-$3,000Air-source: $1,500. Ground-source/geothermal: $3,000. Applied at point of sale by participating retailers or claimed on state return.
Energy Trust of Oregon Heat Pump
Energy Trust of Oregon ↗		OregonUtility rebate$250-$4,000Available to residential customers of Pacific Power, PGE, NW Natural, Cascade Natural Gas, and Avista. Income-qualified households get enhanced rebates up to $1,600 cash back.
NJ Whole Home Energy Savings
NJ Whole Home (DSIRE) ↗		New JerseyState rebateup to $7,500Tiered by projected Total Energy Savings %. Stacks with utility programs.
HEAR (Home Electrification & Appliance Rebates)
US DOE Energy Saver Hub ↗		FederalPoint-of-sale rebateup to $8,000Income-qualified households (≤150% AMI). 100% covered for ≤80% AMI; 50% for 80-150% AMI. State-administered; rollout varies. Some states (CA) fully reserved; others (HI, NH) launching mid-2026.
HEEHRA (TECH Clean California)
California Energy Commission ↗		CaliforniaIncome-qualifiedup to $8,000FULLY RESERVED STATEWIDE as of Feb 24, 2026. New reservations on waitlist pending additional funding. Multi-family properties may qualify up to $14,000.
Efficiency Maine Heat Pump Rebate
Efficiency Maine ↗		MaineState rebateup to $8,000Up to $1,200 per indoor unit for residential whole-home conversions. Income-eligible households can claim up to $8,000 stacked rebate. Maine leads US per-capita heat pump adoption.
WA Commerce Energy Incentives
WA Commerce ↗		WashingtonState rebateup to $8,000State HEAR plus heat pump-specific rebates administered by WA Commerce. Stacks with utility programs (PSE, Seattle City Light, Avista).
Mass Save Whole-Home
Mass Save ↗		MassachusettsWhole-home rebateup to $8,500$2,650/ton, capped at $8,500. Must displace oil, propane, gas, or electric resistance. Home must be weatherized first. R-410A units no longer eligible in 2026.
Xcel Energy Rebate
Xcel Energy ↗		ColoradoUtility rebateup to $11,250$2,250/heating ton for cold-climate models; $900/cooling ton for standard. Xcel customers in CO, MN, WI.
Energize CT Heat Pump
Energize CT ↗		ConnecticutUtility-fundedup to $15,000Eversource and United Illuminating. Combined incentives for cold-climate ASHP, geothermal, HPWH. Income-qualified enhancements available.
Mass Save Enhanced
Mass Save Income-Based ↗		MassachusettsIncome-qualifiedup to $16,000Income-eligible households can get enhanced rebates up to $16,000 or no-cost installation via Turnkey Services.
EmPower+ (with HEAR stacking)
NYSERDA EmPower+ ↗		New YorkIncome-qualifiedup to $24,000≤80% AMI households. Base EmPower+ covers heat pump + insulation + air sealing at no-cost ($10K cap single-family, $5K moderate income). Stacks with federal HEAR funding through NYSERDA, total up to $24K for qualifying 1-4 unit homes.
HEAT Loan
Mass Save HEAT Loan ↗		Massachusetts0% financing0% up to $50,0007-year 0% loan for energy efficiency upgrades including heat pumps. No income limit.
Max amounts are best-case ceilings. Actual entitlement depends on household income, fuel-switch type, installer certification, home efficiency baseline, and program timing. "Realistic stack" sums the three largest active programs and assumes they stack. Verify with your installer before counting on a specific number. Programs change frequently, links validated weekly via automated script.
#GetHeatPumped
Data validated 2026-05-24

Federal (United States, 2026)

  • Section 25C Energy Efficient Home Improvement Credit: EXPIRED December 31, 2025. The One Big Beautiful Bill Act (Public Law 119-21, signed July 4, 2025) terminated the $2,000 heat pump tax credit. If you bought and installed before that date, you can still claim it on your 2025 return.
  • Section 25D Residential Clean Energy Credit (geothermal): ALSO EXPIRED December 31, 2025. Same legislation.
  • HEAR / HEER (formerly HEEHRA): Income-qualified rebate funded by the Inflation Reduction Act, administered by states. Up to $8,000 toward a heat pump for low-income households. California is fully reserved as of February 24, 2026. New York and Massachusetts still have funds. Check your state’s status before assuming.

What stacks with what

  • HEAR/HEER (federal income-qualified rebate) generally stacks with state utility rebates.
  • State rebates (NYS Clean Heat, Mass Save) usually do not stack with the same utility’s other heat pump rebates, but do stack with federal programs.
  • Many state programs also offer separate rebates for weatherization, electrical service upgrades, and heat pump water heaters. These typically all stack and can dramatically reduce out-of-pocket cost.
  • New York’s EmPower+ stacks with HEAR to a combined cap of $24,000 per qualifying household.

Required documentation, every time

  • AHRI certificate (proves the indoor and outdoor units are a matched system).
  • Manual J load calculation (most programs require this).
  • Installer must be on the program’s participating contractor list.
  • Final invoice with itemized labor, equipment, and model numbers.
  • Sometimes pre-installation home energy assessment (NY, MA, CA programs).

Look up your state, every active program

The artifact above covers the bigger states. For everywhere else, DSIRE (the federally-funded Database of State Incentives for Renewables & Efficiency, maintained at NC State) has the full searchable list of state, local, utility, and federal programs.

Per-state heat pump rebate pages
External: DSIRE state incentive databases