Massachusetts Heat Pump Rebates and Incentives
Understand the 2026 Mass Save heat-pump rebates, whole-home and partial-home requirements, enhanced income-based offers, 0% financing and seasonal electric-rate savings.
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A published rebate amount is not a guarantee that a specific project will qualify. Eligibility can depend on your electric sponsor, property, existing heating system, equipment, weatherization, system design, installer, installation date and submitted documentation.
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2026 Massachusetts Heat-Pump Rebate Amounts
Mass Save currently offers several air-source heat-pump incentive pathways. The appropriate category depends on how the heat pump will be used, whether an existing heating system remains in service and whether the household qualifies for enhanced income-based support.
| Incentive category | Published 2026 amount | General project type |
|---|---|---|
| Whole-home | $2,650 per ton Maximum of $8,500 | Heat pump serves as the home’s sole primary heating and cooling system, subject to program requirements. |
| Partial-home | $1,125 per ton Maximum of $8,500 | Existing boiler or furnace generally remains available to supplement the heat pump. |
| Basic | $250 per ton Maximum of $2,500 | Projects that qualify for the basic equipment incentive rather than whole-home or partial-home. |
| Income-based enhanced | Up to $16,000 Potentially up to no cost through qualifying turnkey services | Eligible income-verified households meeting additional program requirements. |
Use the rebate amount only after eligibility is confirmed
Contractors may show estimated rebates in proposals, but the homeowner remains responsible for understanding the program requirements. Ask to see the gross contract price, assumed incentive and estimated net project cost separately.
Whole-Home Heat-Pump Rebate
The 2026 whole-home air-source heat-pump incentive is $2,650 per ton, up to a maximum of $8,500 for eligible projects.
Whole-home generally means the qualifying heat-pump system is designed to serve as the home’s sole source of heating and cooling. The project must satisfy applicable equipment, weatherization, design, verification and documentation requirements.
The installed system must match the whole-home claim
A whole-home verification form may be required. Ask the installer how the system was sized, whether it meets the calculated heating load and what will happen to the existing fossil-fuel equipment.
Questions to ask before choosing whole-home
- Was a heating-load calculation completed?
- Can the system meet the load at the design temperature?
- Will the existing furnace or boiler be disconnected?
- Does every conditioned room have adequate distribution?
- Are weatherization requirements complete?
- Is the exact equipment combination rebate-eligible?
- Who completes the whole-home verification form?
- Who submits the rebate documentation?
Partial-Home Heat-Pump Rebate
The 2026 partial-home air-source heat-pump incentive is $1,125 per ton, up to a maximum of $8,500 for eligible projects.
A partial-home project generally keeps an existing boiler or furnace available to supplement the new heat pump. This can include installations that serve part of the house or operate alongside another heating system.
Backup system remains
The furnace or boiler may continue operating during certain temperatures or conditions.
Integration may be required
Oil- or propane-heated homes may need a qualifying integrated control under applicable program rules.
Not every room must be served
The heat pump may serve selected rooms, zones or a portion of the home’s total heating load.
Operation should be explained
The contractor should explain when the heat pump and existing heating system will operate.
Basic Heat-Pump Rebate
The 2026 basic air-source heat-pump rebate is $250 per ton, up to a maximum of $2,500 for eligible installations.
This category may apply when a project does not qualify for the whole-home or partial-home pathway. For example, replacement of an existing heat pump may be limited to a basic equipment incentive rather than the larger whole-home or partial-home offers.
Confirm the appropriate rebate category before purchasing equipment. A project should not be represented as whole-home or partial-home merely because that category offers a larger incentive.
Income-Based Enhanced Heat-Pump Incentives
Income-qualified Massachusetts households may be eligible for enhanced air-source heat-pump incentives of up to $16,000. Some eligible households or properties may receive up to no-cost improvements through qualifying turnkey services.
Income verification should happen before project commitments
Do not assume eligibility from a general household-income estimate. Complete the applicable verification process and confirm the available pathway before signing a contract that depends on the enhanced incentive.
Enhanced pathways can include additional weatherization, installer and documentation requirements.
Enhanced-program requirements may include:
- Income verification
- Eligible Massachusetts residential electric account
- Home Energy Assessment
- Completion of weatherization recommendations
- Participating Heat Pump Installer Network contractor
- Qualified equipment
- Whole-home or partial-home documentation
- Application submitted by the applicable deadline
Who Is Eligible for Mass Save Heat-Pump Rebates?
Eligibility begins with the property’s utility relationship and the specific Mass Save sponsor serving the electric account. Other requirements depend on the rebate category and project.
Eligible residential account
The property generally needs an eligible account served by a participating Mass Save sponsor.
Qualifying Massachusetts residence
Property type, occupancy and number of dwelling units can affect the applicable program.
Qualified system combination
The exact indoor and outdoor equipment combination must meet the applicable program requirements.
Required installer pathway
Certain offers require installation by a contractor participating in the Mass Save Heat Pump Installer Network.
Weatherization status
Whole-home and enhanced pathways may require completion of recommended weatherization work.
Complete application
Invoices, model numbers, forms, verification and supporting documentation must be submitted correctly.
Not every Massachusetts electric customer follows Mass Save
Customers served by municipal light plants may have different programs, eligibility rules and incentive amounts. Check directly with the local utility rather than assuming the Mass Save rebate applies.
Home Energy Assessment and Weatherization Requirements
Weatherization can reduce the home’s heating load and improve heat-pump performance. Certain rebate categories require a Home Energy Assessment and completion of applicable weatherization recommendations.
Work may include air sealing, attic insulation, wall insulation, basement improvements or other measures identified during the assessment.
Complete or plan weatherization before final equipment sizing
A heat-pump load calculation should account for the home’s post-weatherization condition. Otherwise, equipment may be selected for heat loss that will later be reduced.
Mass Save’s published FAQ indicates that some homeowners who installed the heat pump before completing the assessment or weatherization may still receive the whole-home rebate if the required steps are completed within the applicable time window. Do not rely on that exception without confirming current program instructions.
Qualified Heat-Pump Equipment
The system must meet the applicable Mass Save equipment and efficiency requirements. Eligibility is based on the exact combination of outdoor and indoor equipment, not simply the manufacturer name.
Ask the installer to provide:
- Outdoor-unit model number
- Every matching indoor-unit model number
- AHRI reference or applicable system identifier
- Mass Save qualified-product-list confirmation
- Heating capacity at 5°F
- Applicable rebate category
- Total qualifying system tonnage
- Written rebate calculation
Do not use an old qualified-product screenshot or spreadsheet
The Mass Save qualified-product list changes as equipment and refrigerant requirements change. The most consequential recent example: as of January 1, 2026, heat pumps using R-410A refrigerant were removed from the qualified-product list, so only R-32 and R-454B systems qualify for rebates and HEAT Loan financing. Some contractors still hold R-410A inventory, which means it is entirely possible to buy a system in good faith and lose the rebate. Ask outright which refrigerant a proposed system uses, and verify the selected system against the current list before equipment is ordered or installed.
How to Apply for a Massachusetts Heat-Pump Rebate
Confirm the property’s program
Identify the electric utility or municipal light plant and determine which incentive program serves the property.
Complete required assessment steps
Schedule a Home Energy Assessment and complete required weatherization when the selected pathway requires it.
Confirm the rebate category
Determine whether the project is whole-home, partial-home, basic or income-based enhanced.
Select eligible equipment
Verify the complete indoor and outdoor equipment combination against the current qualified-product list.
Choose an appropriate installer
Use a participating installer when required and compare qualifications, references, design and written proposals.
Complete the installation
Keep the final invoice, model numbers, payment records, permits, verification forms and supporting documents.
Submit and track the application
Submit the rebate through the applicable portal or process, retain confirmation and monitor the application status.
2026 Installation and Application Deadlines
Deadlines differ by offer and can change. Review the current rebate form for the exact program being used.
Mass Save’s enhanced heat-pump offer states that qualifying equipment must be purchased and installed by this date.
The enhanced offer states that the rebate form and supporting heat-pump documentation must be received by this date.
Do not assume every rebate category uses the same deadline
Use the deadlines printed on the current form and program materials for your exact project. Submit early enough to correct missing documents before the final deadline.
Mass Save HEAT Loan: 0% Financing
Eligible Massachusetts homeowners may apply for 0% financing of up to $25,000 through the Mass Save HEAT Loan for qualifying energy-efficiency improvements.
The HEAT Loan changes how the project is paid for
A loan can reduce the immediate cash required, but the borrowed amount must still be repaid. Compare the gross project price, rebate, financed amount and final out-of-pocket cost separately.
Loan approval, participating lenders, qualifying work, authorization steps and repayment terms are subject to current program requirements.
Before relying on HEAT Loan financing:
- Complete required program steps
- Request authorization before work begins when required
- Confirm which project costs are financeable
- Choose a participating lender
- Review the repayment term
- Confirm whether deposits can be paid before approval
- Keep contracts and invoices
- Avoid assuming approval is automatic
Massachusetts Seasonal Heat-Pump Electric Rates
Eligible customers of Eversource, National Grid and Unitil can receive reduced seasonal heat-pump delivery rates during the winter heating period from November 1 through April 30.
During the remaining months, participating customers pay the otherwise applicable residential rate. Eligibility, enrollment and the exact rate depend on the electric utility.
Investor-owned electric companies
The statewide seasonal-rate program covers qualifying customers of Eversource, National Grid and Unitil.
November through April
The reduced rate applies from November 1 through April 30 under the current program.
Confirm with the utility
Do not assume rebate approval automatically enrolls the account in the seasonal rate.
Not every charge disappears
The seasonal rate changes specific utility charges. Supply and other bill components still affect the total.
Common Heat-Pump Rebate Mistakes
- Ordering equipment before confirming eligibility
- Using equipment that is not on the current qualified list
- Assuming the installer will handle every application step
- Failing to complete required weatherization
- Confusing gross price with net cost
- Choosing the wrong whole-home or partial-home category
- Missing installation or submission deadlines
- Submitting incomplete invoices or model information
- Assuming a municipal utility follows Mass Save rules
- Relying on a verbal rebate promise
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Massachusetts Heat-Pump Rebate FAQs
How much is the 2026 Mass Save heat-pump rebate?
Whole-home air-source heat pumps may qualify for $2,650 per ton up to $8,500. Partial-home systems may qualify for $1,125 per ton up to $8,500. The basic rebate is $250 per ton up to $2,500. Eligibility requirements apply.
What is the income-based enhanced heat-pump incentive?
Eligible income-verified households may qualify for enhanced incentives up to $16,000 or potentially up to no-cost improvements through qualifying turnkey services.
Do I need a Home Energy Assessment?
Certain rebate pathways require a Home Energy Assessment and completion of applicable weatherization recommendations. Confirm the requirements for the exact rebate category before installation.
Can I keep my boiler or furnace?
A partial-home installation may retain the existing boiler or furnace. Whole-home rebates generally require the qualifying heat pump to serve as the sole primary heating and cooling system, subject to program rules.
Does replacing an existing heat pump qualify?
Replacement of an existing heat pump may not qualify for the larger whole-home or partial-home rebate. The project may instead qualify for a basic rebate, depending on current program rules.
Must I use a Mass Save installer?
Certain rebate pathways, including enhanced offers, require a contractor participating in the Mass Save Heat Pump Installer Network. Verify the requirement for your specific offer.
Is the HEAT Loan the same as a rebate?
No. The HEAT Loan offers potential 0% financing for eligible improvements. A rebate reduces eligible net project cost, while a loan must be repaid.
Do municipal light customers qualify for Mass Save?
Not necessarily. Municipal light plants may offer separate programs and incentives. Contact the property’s electric utility directly.
When does the seasonal heat-pump rate apply?
The current seasonal heat-pump rate applies to eligible customers from November 1 through April 30. Enrollment and rate details vary by utility.
Official Massachusetts Rebate Resources
Use current official forms and program pages when making financial or installation decisions.
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