New Jersey state and utility programs
- NJ Whole Home Energy Savings (State rebate): up to $7,500. Tiered by projected Total Energy Savings (TES) percentage. Available through NJ Clean Energy. Stack with utility programs. NJ Whole Home (DSIRE)
- PSE&G / JCP&L / ACE rebates (Utility rebate): $900–$1,300. Utility-specific rebates for qualifying heat pump installations. Stack with NJ Whole Home for combined ~$8,900 total. NJ incentive stack (DSIRE)
Federal programs that still apply
- Section 25C Tax Credit (Tax credit (EXPIRED)): EXPIRED Dec 31, 2025. Repealed by the One Big Beautiful Bill Act (Public Law 119-21, July 4, 2025). Installations placed in service on or before Dec 31, 2025 may still claim on 2025 returns until Oct 15, 2026 extension deadline. 2026 installs are NOT eligible. IRS Energy Efficient Home Improvement Credit
- Home Electrification and Appliance Rebates (HEAR / HEEHRA) (Point-of-sale rebate): up to $8,000. Income-qualified households (≤150% area median income). 100% covered for ≤80% AMI, 50% for 80–150% AMI. State-administered with rollout varying widely. Some states (CA) fully reserved; others (HI, NH) launching mid-2026. US DOE Energy Saver Hub
- DSIRE Database (Aggregator): all state programs. Searchable database of every state, local, utility, and federal incentive currently active. Funded by US DOE, maintained by NC State University. Best starting point for verifying your specific ZIP code's options. dsireusa.org
Heads up: the federal Section 25C tax credit expired December 31, 2025. State and utility rebates are still active in most places.
Want the full national table? Head back to Stack the Money for every state, province, and country.