Insulation Rebates in Massachusetts (2026)

The federal HOMES and HEAR rebates have not launched in Massachusetts, so no federal insulation rebate can be claimed there today. This page sets out what the programmes will pay once they open, alongside the state and utility rebates that are available now.

Status not confirmed. We could not confirm the current status of Massachusetts's HOMES and HEAR programs from an official government source, so the amounts below should be read as the federal framework rather than as a confirmed Massachusetts offer. The Department of Energy Resources' own federal funding page still describes the application stage and states that DOE approval of the State Implementation Blueprint is required before the programs can launch. It does not announce that either program is open, and part of the delivery is planned through Mass Save. Check with the administering agency before starting a project. Source: Massachusetts Department of Energy Resources (DOER).

Programme status and income limits on this page were last checked against official state and federal sources on 31 July 2026. These programmes change without notice.

Varies Max HEAR Rebate

Status not confirmed HOMES Status (MA)

Status not confirmed HEAR Status (MA)

5 Utility Programs

HEAR Insulation Rebate in Massachusetts

Status: Status not confirmed

We could not confirm from an official source whether HEAR is open in Massachusetts. Check with the administering agency before relying on the figures below.

HOMES Rebate for Insulation in Massachusetts

Status: Status not confirmed

Massachusetts's HOMES programme is not available today. When it launches, a insulation installed as part of a whole-home retrofit could qualify for rebates up to $8,000.

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Insulation in Massachusetts: What’s Available in 2026

Insulation and air sealing are eligible for up to $1,600 in HEAR rebates and play a critical role in whole-home energy efficiency. Better insulation reduces the workload on your heating and cooling system, and when combined with other upgrades, can help you qualify for larger HOMES program rebates based on total energy savings.

Insulation Rebates in 2026

The HEAR program allocates up to $1,600 for insulation, air sealing, and ventilation improvements. This is a combined category, so the $1,600 cap covers all weatherization work together rather than each type individually.

For households at or below 80% AMI, the full cost is covered up to $1,600. For households between 80-150% AMI, 50% of the cost is covered up to the cap. Given that attic insulation typically costs $1,500-$3,500 and wall insulation runs $2,000-$6,000, the rebate covers a meaningful portion of most projects.

Insulation is also one of the most impactful upgrades for the HOMES program. Since HOMES rebates are based on whole-home energy savings (up to $8,000 for low-income households), adding insulation can push your total home improvement past the energy savings thresholds needed to unlock larger rebates. Many energy auditors recommend insulation as the first step in any home performance upgrade.

Types of Insulation That Qualify

Several insulation methods qualify for the HEAR rebate. The right choice depends on your home's construction, existing insulation levels, and where the biggest air leaks are:

Blown-in attic insulation: The most common and cost-effective upgrade. Cellulose or fiberglass is blown into the attic floor to reach R-38 to R-60 levels. Typical cost: $1,500-$3,000.
Wall cavity insulation: Dense-pack cellulose or injection foam can be added to existing walls through small holes. Important for older homes with little or no wall insulation.
Spray foam insulation: Open-cell or closed-cell spray foam provides both insulation and air sealing. More expensive but highly effective for rim joists, crawl spaces, and cathedral ceilings.
Air sealing: Caulking, weatherstripping, and sealing around penetrations (pipes, wires, ducts) often delivers the highest return per dollar spent. Frequently done alongside insulation.
Duct sealing and insulation: Leaky ductwork can waste 20-30% of conditioned air. Sealing and insulating ducts in unconditioned spaces significantly improves system efficiency.

A home energy audit can identify where insulation upgrades will have the greatest impact. Many state programs offer free or subsidized energy audits as part of the HEAR rollout.

Weatherization Assistance Programs

Beyond HEAR, the federal Weatherization Assistance Program (WAP) provides free insulation and energy efficiency improvements for low-income households. WAP has been operating for decades and received additional funding through the Inflation Reduction Act.

WAP eligibility is based on the federal poverty level rather than area median income. Households at or below 200% of the federal poverty level may qualify for fully funded weatherization services including insulation, air sealing, furnace repair or replacement, and other efficiency measures.

WAP services are delivered through a network of local community action agencies. Wait times can be long (months to over a year in some areas), but the work is done at no cost to qualifying households. Contact your state's WAP provider to apply.

If you qualify for both WAP and HEAR, you may be able to use both programs for different improvements. For example, WAP might cover insulation and air sealing while HEAR covers a heat pump installation. Coordination between programs varies by state, so ask your state energy office about how to maximize both.

Massachusetts State Programs for Insulation

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

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Mass 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

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MassCEC 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.

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Mass 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)

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Utility Insulation Rebates in Massachusetts

These utility companies in Massachusetts may offer additional rebates for insulation installations. Utility rebates can typically be stacked with HEAR and HOMES rebates.

Mass Save (statewide)

The statewide programme behind almost every Massachusetts rebate. Whichever of the eight sponsoring utilities serves your address, you reach the same set of incentives through Mass Save, plus the 0% interest HEAT Loan and a no-cost home energy assessment.

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.

Income Eligibility for Insulation Rebates in Massachusetts

Your eligibility for the maximum insulation rebate depends on your household income relative to the Area Median Income (AMI) in your area.

Area	80% AMI (Family of 4)	150% AMI (Family of 4)
Middlesex County	$137,100	$257,000
Worcester County	$105,350	$197,500
Essex County	$106,800	$200,200
Bristol County	$89,700	$168,100
Plymouth County	$107,750	$202,000
Hampden County	$105,200	$197,200

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Before you spend money on this

Energy Rebate Calculator is an independent website. It is not affiliated with, endorsed by, or operated by the U.S. Department of Energy, Massachusetts, or any other government agency, and nothing on this page is an offer, an application, or a promise of payment.

Federal and state rebate programmes launch, pause, change their amounts and run out of funds without notice, and eligibility rules differ by county, household size, housing type and sometimes by region within a state. Most programmes also refuse to pay for work completed before their launch date.

Confirm your eligibility and the current terms directly with the administering agency, and get written confirmation, before you sign a contract or buy equipment. Where this page cites an official source, that source governs. If you spot something out of date, tell us and we will correct it.

Frequently Asked Questions

How much can I get for a insulation in Massachusetts?

Nothing yet. HEAR is status not confirmed in Massachusetts, so no federal insulation rebate can be claimed there today, and rebates are generally not paid for work completed before a programme launches. Once it opens, the federal framework allows up to varies for households at or below 80% of Area Median Income, and 50% of the cost up to the same cap for households between 80% and 150% AMI. Utility rebates may be available now regardless.

Is the HEAR program open in Massachusetts for insulation rebates?

The HEAR status in Massachusetts is: Status not confirmed. No application is possible today. Check the official programme page rather than relying on a contractor telling you otherwise.

Can I combine insulation rebates with other incentives in Massachusetts?

Not yet. Neither HEAR nor HOMES has launched in Massachusetts, so there is no federal rebate to stack there today. Once they open you will typically be able to combine them with each other, with state programmes like Mass Save, and with utility rebates. Combined incentives generally cannot exceed 100% of the project cost, and the same measure cannot always be claimed twice.

What income qualifies for the maximum insulation rebate in Massachusetts?

To qualify for the maximum rebate, your household income must be at or below 80% of Area Median Income (AMI) for your county in Massachusetts. For example, in Middlesex County, 80% AMI for a family of 4 is $137,100. Households between 80% and 150% AMI receive 50% of costs up to the cap.

How much is the insulation rebate under HEAR?

The HEAR program provides up to $1,600 for insulation, air sealing, and ventilation combined. Households at or below 80% AMI get 100% of costs covered up to the cap. Households at 80-150% AMI get 50% of costs covered. This is separate from any utility or state incentives you may also qualify for.

Does air sealing count as insulation for the rebate?

Yes. Air sealing, insulation, and ventilation improvements are grouped together under the same $1,600 HEAR rebate cap. This means a project that includes both blown-in insulation and air sealing would draw from the same $1,600 allowance.

Should I insulate before or after installing a heat pump?

Ideally, insulate first. A well-insulated home allows you to install a smaller, less expensive heat pump that doesn't have to work as hard. Better insulation also improves the energy savings calculations for HOMES rebates. Many energy auditors recommend addressing the building envelope (insulation and air sealing) before upgrading HVAC equipment.

Can I do the insulation work myself and still get the rebate?

HEAR rebates are generally designed to be applied at point of sale through participating contractors. DIY installations may not qualify for the HEAR rebate in most states, though policies vary. However, some utility rebate programs do accept DIY work with proof of purchase. Check your state's specific HEAR program rules and your utility's rebate requirements.

What is the Weatherization Assistance Program and am I eligible?

The Weatherization Assistance Program (WAP) is a federally funded program that provides free energy efficiency improvements, including insulation, to low-income households. You may qualify if your household income is at or below 200% of the federal poverty level. WAP is administered by local community action agencies and services are provided at no cost. Contact your state's WAP provider to apply.