Mass Save rebates by city: heat pumps up to $8,500 ($16,000 if income-qualified), 75–100% off insulation, $750 heat pump water heaters, and a 0% loan. Tell us about your home for an estimate.
Short answer: Mass Save pays up to $8,500 for a whole-home heat pump and $750 for a heat pump water heater, with 75% to 100% off insulation after a free home energy assessment. Income-qualified households can get up to $16,000 or no cost for a heat pump. Homes in towns with a municipal light plant are not covered by Mass Save's electric programs. The federal tax credits ended on December 31, 2025.
Last verified September 2026 · By Sam Menard · Every amount links to the official program.
| Upgrade | Program | Amount | Rules |
|---|---|---|---|
| Heat pump | Mass Save | Up to $8,500Open | Whole-home system. Mass Save electric customers only, not municipal light plant towns. Source |
| Heat pump (income-qualified) | Mass Save Enhanced Rebates | Up to $16,000, or no costOpen | Income-qualified households only. Source |
| Heat pump water heater | Mass Save | $750Open | Mass Save customers. Source |
| Insulation | Mass Save weatherization | 75% to 100% offOpen | 100% for income-qualified homes and some 1 to 4 unit buildings. Source |
| Home energy assessment | Mass Save | FreeOpen | Mass Save customers. Source |
| Solar | SMART 3.0 | $0.03 per kWh ($0.06 low-income)Open | Small residential systems in National Grid, Eversource and Unitil areas. Source |
| Battery | ConnectedSolutions | About $1,375 a year for a 5 kW batteryOpen | Paid for summer peak events. Mass Save utilities. Source |
| Financing | Mass Save HEAT Loan | Loan up to $25,000Open | Up to 7 years. Source |
Checked September 29, 2026. See every change.
Program guides: Mass Save · 2026 tax credits
Each ring is the city's PowerScore out of 100. Tap a city for its full rebate guide and top-rated installers.
The largest amount found in Massachusetts for each type of upgrade, and where.
Not sure what you qualify for? Use the Massachusetts rebate calculator.
| Option | Mass Save example (2026) |
|---|---|
| Whole-home air-source, standard | $22,000 install − $8,500 = $13,500 |
| Whole-home air-source, income-qualified | $22,000 install − $16,000 = $6,000 (or no cost via Turnkey) |
| Whole-home ground-source, standard | $44,000 install − $13,500 = $30,500 |
To qualify, you need a Mass Save Heat Pump Installer Network contractor and an ENERGY STAR Cold Climate unit from the qualified list, installed in 2026. Whole-home rebates also need a weatherized home and a signed verification form. The 0% HEAT Loan covers up to $25,000 over up to 7 years. Towns with a municipal light plant (like Concord, Wellesley, Braintree or Taunton) aren't part of Mass Save's electric programs.
If you heat with oil, propane or electric baseboard, a heat pump usually cuts your bills more. It also has the bigger upfront rebate. Solar in Massachusetts has no upfront Mass Save rebate. Instead, SMART 3.0 pays small home systems $0.03 per kWh they make ($0.06 for low-income), and the state tax credit covers 15% of cost, up to $1,000. Your payback depends on your fuel, your roof and your bills, so we don't quote a single number. Read the full comparison →
Sources, checked September 26, 2026: Mass Save air-source heat pumps · Mass Save ground-source · MassCEC · SMART 3.0 · IRS 25C
These are the real, current Mass Save amounts — sampled from Boston, but the same statewide program applies in every Massachusetts city we cover. The whole-home heat pump ceiling is $8,500 in 2026, down from $10,000 in 2024, and regulators trimmed the 2025–2027 Mass Save budget by $500 million, and Mass Save has documented processing delays (mailed rebates can take months), so treat these as caps to plan around, not guaranteed instant payouts. Filter by category below.
$2,650 per ton, capped at $8,500 for most households (down from $10,000 in 2024; regulators also trimmed the 2025–2027 Mass Save budget by $500 million). Income-qualified households can reach $16,000 for air-source or $25,000 for ground-source. Only R-32 or R-454B refrigerant systems qualify as of January 1, 2026 — older R-410A units are no longer eligible. Same statewide, not just Boston.
Not a flat rebate — SMART 3.0 locks in a per-kWh production payment for a fixed term once you're enrolled, on top of your own electricity savings. Same program statewide.
There's no upfront Mass Save battery rebate. You earn ConnectedSolutions payments (MassCEC example: about $1,375/yr for a 5 kW battery), plus the SMART storage adder if paired with solar.
Mass Save covers 75% of the cost for every Massachusetts homeowner, including Boston. If your household is under 60% of area median income, it's covered at 100% — free.
A flat $750 for a heat pump water heater. The unit needs to be ENERGY STAR certified to qualify. Same flat amount statewide.
Mass Save pays $75 per window when you replace single-pane windows with ENERGY STAR Most Efficient certified windows.
Eversource and National Grid each run their own home EV charger programs; amounts and income rules differ, so check your utility.
Often installed for free during your Mass Save home energy assessment — the $100 rebate covers the rest if you buy your own.
These are Mass Save program-wide figures — the same whether you're an Eversource or National Grid customer, and the same in every city we checked (Boston, Worcester, Springfield, Cambridge, Lowell, and more). Pick your city above for the exact local breakdown and installer list.
Compare costs and payback times for Massachusetts homeowners.
The Mass Save budget cut's real impact, and what still works regardless.
Why these towns are excluded and what to do instead.
Why applications fail and how to get approved.
Mass Save pays $2,650 per ton up to $8,500 for whole-home air-source heat pumps, and $1,125 per ton up to $8,500 for partial-home systems. Income-qualified households can get up to $16,000 or no cost.
No. The federal 25C and 25D credits ended for work done after December 31, 2025.
Homes in towns served by a municipal light plant, like Concord, Wellesley, Braintree or Taunton. They can use their light plant's programs and the state's 0% MLP Z-Loan.
Yes. The Mass Save HEAT Loan offers up to $25,000 at 0% over up to 7 years.
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