Massachusetts Energy Rebates 2026
Massachusetts is a national leader in energy efficiency, powered by the Mass Save program and significant federal IRA funding administered by MassCEC. With some of the most generous heat pump rebates in the country — <strong>$2,650/ton up to $8,500</strong> through Mass Save alone — plus 0% HEAT Loans and income-based enhancements, Massachusetts homeowners have exceptional opportunities to cut energy costs. The combination of state utility programs and federal HOMES and HEAR rebates makes stacking incentives genuinely accessible here.
HOMES Rebate Program in Massachusetts
Administered by: Massachusetts Clean Energy Center (MassCEC)
Federal allocation: $56 million
| Income Level | Max Rebate | Cost Coverage |
|---|---|---|
| Low income (≤80% AMI) | Up to $8,000 | 80% of project cost |
| Moderate income (80-150% AMI) | Up to $4,000 | 50% of project cost |
| Above 150% AMI | Not eligible | N/A |
MassCEC administers the federal HOMES (Home Efficiency Rebates) program in Massachusetts. Low-income households under 80% AMI can receive up to $8,000; moderate-income households between 80–150% AMI can receive up to $4,000. Rebates are tied to modeled or measured energy savings and are designed to stack with Mass Save utility incentives.
Official HOMES Program PageHEAR (HEEHRA) Rebates in Massachusetts
| Equipment | Max Rebate |
|---|---|
| Heat Pump HVAC | Up to $8,000 |
| Electrical Panel | Up to $4,000 |
| Wiring Upgrade | Up to $2,500 |
| Heat Pump Water Heater | Up to $1,750 |
| Insulation & Weatherization | Up to $1,600 |
| Electric Stove/Cooktop | Up to $840 |
Maximum total: $14,000 per household (low-income, ≤80% AMI). Moderate income (80-150% AMI) can receive up to $7,000.
Official HEAR Program PageMassachusetts State Incentive Programs
Mass Save
Massachusetts' flagship energy efficiency program, jointly administered by the state's gas and electric utilities — including National Grid, Eversource, Berkshire Gas, Cape Light Compact, Liberty Utilities, and Unitil. Mass Save funds no-cost home energy assessments, rebates on heating and cooling equipment, insulation, and water heaters, plus the HEAT Loan financing program.
Amount: $2,650/ton up to $8,500 for whole-home heat pump systems; $1,125/ton up to $8,500 for mini-splits; up to $1,500 for heat pump water heaters; 75–100% off insulation and air sealing costs
Learn moreMass Save Income-Eligible Program
Enhanced version of Mass Save for income-eligible households. Qualifying homeowners can receive significantly higher rebates and may be eligible for free equipment and installation at no cost, depending on household income and the recommended upgrades.
Amount: Free improvements for qualifying households, including no-cost heat pump installations (100% covered) and full weatherization services; moderate-income enhanced rebate up to $16,000 for heat pumps
Learn moreMassCEC Clean Heating and Cooling Program
Additional state incentives administered by the Massachusetts Clean Energy Center for ground-source (geothermal) heat pumps and certain air-source systems. This program complements Mass Save rebates for households installing higher-cost geothermal systems. Check MassCEC directly for current program availability and amounts, as this program has periodically opened and closed to new applications.
Amount: Up to $15,000 for ground-source heat pumps (standard); $25,000 for moderate-income. Verify current availability at masscec.com.
Learn moreMass Save HEAT Loan
The HEAT Loan program offers 0% interest financing for eligible energy efficiency and electrification upgrades completed through Mass Save. Available to Massachusetts homeowners and renters who complete a qualifying home energy assessment, the loan covers heat pumps, insulation, heat pump water heaters, and weatherization measures. No interest charged — you repay only what you borrow.
Amount: 0% interest financing up to $25,000; repayment terms vary by lender (typically 5–7 years)
Learn moreUtility Rebate Programs in Massachusetts
National Grid (Massachusetts)
As a Mass Save sponsor, National Grid offers $2,650/ton up to $8,500 for whole-home heat pump installations, $1,125/ton up to $8,500 for mini-splits, 75–100% off insulation and air sealing, heat pump water heater rebates up to $1,500, and no-cost home energy assessments.
Eversource (Massachusetts)
Mass Save sponsor providing $2,650/ton up to $8,500 for qualifying whole-home heat pump systems, $1,125/ton for mini-splits, generous insulation rebates (75–100% off), and access to the income-eligible enhanced program (up to $16,000) throughout eastern Massachusetts and other service areas.
Cape Light Compact
Cape Light Compact is the Mass Save sponsor for Cape Cod and Martha's Vineyard. Customers have access to the same Mass Save rebate amounts ($2,650/ton up to $8,500 for whole-home heat pumps), plus income-qualified community-based offers that can cover 100% of air-source heat pump costs and up to $25,000 for ground-source systems. Oak Bluffs and Tisbury residents receive 100% insulation/air sealing coverage regardless of income.
Unitil (Massachusetts)
Unitil serves customers in Fitchburg and surrounding areas of north-central Massachusetts. As a Mass Save sponsor, Unitil customers qualify for the same heat pump rebates ($2,650/ton up to $8,500 whole-home, $1,125/ton for mini-splits), insulation incentives, HEAT Loan financing, and no-cost home energy assessments available through the statewide program.
Area Median Income (AMI) in Massachusetts
HOMES and HEAR rebate amounts depend on your household income relative to the Area Median Income in your area. AMI varies by county and household size.
| Area | 80% AMI (Family of 4) | 150% AMI (Family of 4) |
|---|---|---|
| Boston-Cambridge-Newton | $82,750 | $155,150 |
| Worcester | $69,600 | $130,500 |
| Springfield | $54,300 | $101,800 |
Frequently Asked Questions
What energy rebates are available in Massachusetts in 2026?
Massachusetts offers an exceptional combination of incentives: federal HOMES rebates (up to $8,000 for low-income households), HEAR point-of-sale rebates for income-eligible buyers, Mass Save ($2,650/ton up to $8,500 for whole-home heat pumps; $1,125/ton for mini-splits; 75–100% off insulation), MassCEC ground-source heat pump incentives (up to $25,000 moderate-income), and the 0% HEAT Loan for up to $25,000. The stacking potential here is among the best in the country.
How much does Mass Save pay for a heat pump in 2026?
Mass Save pays $2,650 per ton of capacity for whole-home heat pump installations (replacing your fossil fuel heating system), up to a maximum of $8,500. For partial-home coverage or mini-splits, the rebate is $1,125/ton, also up to $8,500. Moderate-income households can receive up to $16,000. As of January 1, 2026, only heat pumps using R-32 or R-454B refrigerant qualify — R-410A systems are no longer eligible.
How much can I get from HOMES in Massachusetts?
Through MassCEC's HOMES program, low-income households (under 80% AMI) can receive up to $8,000 and moderate-income households (80–150% AMI) up to $4,000. These rebates are tied to energy savings achieved and are designed to stack with Mass Save utility incentives, potentially covering most of the project cost.
What is Mass Save and how do I access it?
Mass Save is Massachusetts' statewide energy efficiency program run by the major utilities (National Grid, Eversource, Cape Light Compact, Unitil, and others). It offers $2,650/ton up to $8,500 for whole-home heat pump systems, up to $1,500 for heat pump water heaters, 75–100% off insulation, and free home energy assessments. Start by scheduling a no-cost assessment at masssave.com or call 1-866-527-7283.
Can I combine Mass Save rebates with federal IRA rebates in Massachusetts?
In most cases, yes. Mass Save rebates and federal HOMES/HEAR rebates can generally be combined, though total combined incentives typically cannot exceed 100% of project cost. A whole-home heat pump project could potentially receive up to $8,500 from Mass Save plus thousands more from HOMES — making deep retrofits significantly more affordable for income-eligible homeowners.
What is the Mass Save HEAT Loan and who qualifies?
The HEAT Loan is 0% interest financing — up to $25,000 — for eligible energy efficiency upgrades through Mass Save. Any Massachusetts homeowner or renter who completes a qualifying home energy assessment can apply. There's no interest charged; you simply repay the principal over the loan term (typically 5–7 years) through a participating lender. It's one of the best financing deals available anywhere for home energy work.
What refrigerant should I look for when buying a heat pump in Massachusetts?
As of January 1, 2026, Mass Save only accepts rebate applications for heat pump systems using R-32 or R-454B refrigerants. Systems using the older R-410A refrigerant are no longer eligible for rebates. When getting quotes, confirm with your contractor that the equipment uses a next-generation refrigerant — this one detail can mean the difference between receiving or losing thousands in rebates.
I'm a Cape Light Compact customer — do I get the same Mass Save rebates?
Yes. Cape Light Compact is a Mass Save sponsor serving Cape Cod and Martha's Vineyard, so you have access to the same core rebate amounts as National Grid and Eversource customers — including $2,650/ton up to $8,500 for whole-home heat pumps and 75–100% off insulation. Cape Light Compact also offers enhanced community-based incentives for moderate-income customers (up to $16,000 for heat pumps) and 100% insulation/air sealing coverage for Oak Bluffs and Tisbury residents regardless of income.
How to Claim Your Massachusetts Rebates
