What heat pump rebates pay in Lowell
We re-read MassCEC's heat pump page on October 3, 2026. Mass Save's own site blocks our checks, so its rebate table comes from a July 16, 2026 snapshot. Lowell is on National Grid's own list of the towns it serves, a Mass Save sponsor.
Whole-home heat pump
$2,650 per ton. The heat pump must be your main heat, and the home needs enough insulation.
Partial-home heat pump
Up to $8,500, for heat pumps that heat part of the home alongside your old system. Integrated controls are required.
Income-based Enhanced Rebates
Or no cost, for households that qualify by income. This is not the standard amount.
Alternative Energy Certificates
A one-time state payment. MassCEC's example is a 2,000 square foot home with a whole-home system.
Mass Save HEAT Loan
Terms up to 7 years, to spread the rest of the cost.
Federal tax credit (25C)
Ended for equipment placed in service after December 31, 2025.
Working it out
A 3-ton whole-home system: 3 x $2,650 = $7,950. A 4-ton system would be $10,600 by the math, but the cap is $8,500. The same 3 tons as a partial-home system: 3 x $1,125 = $3,375. MassCEC's cost example for a 2,000 square foot home is $22,000 before incentives and $12,500 after the $8,500 rebate and $1,000 in certificates.
Lowell's winters
Lowell's average January low is about -6°C (21°F), and the coldest reading in the last ten years was -26.6°C. That is colder than Boston or the South Coast. Every heat pump on Mass Save's list is ENERGY STAR Cold Climate rated, but they are not all equal. Ask your installer for the unit's output at -15°C, not just its rated size.
Sizing is where the whole-home rebate is won or lost. A system sized only for mild days will lean on your old heat in January, and then it is a partial-home system. Mass Save's $500 sizing bonus for partial-home installs is a sign of how much this matters.
What Lowell homes look like
The US Census Bureau's survey (2020 to 2024) counts 44,850 homes in Lowell. About 43% of households own. Some 30% of homes are single-family detached and 27% are in two- to four-unit buildings. Three in four (75%) were built before 1980.
Gas heats 67% of households, electricity 24% and fuel oil about 5%. Homes on electric heat and oil get the best return. Gas homes still qualify if their gas company sponsors Mass Save.
The rules that trip people up
Mass Save's heat pump rebates for 2026 have a few conditions that decide whether you get the big number or a small one. The system must be installed during 2026 by a contractor in Mass Save's Heat Pump Installer Network, and the equipment must be ENERGY STAR Cold Climate rated. Since January 1, 2026, heat pumps that use refrigerant with a global warming rating over 700, including the common R-410A, are off the qualified list. Ask your installer which refrigerant the model uses before you sign.
The whole-home rebate also asks that the home is insulated well enough, and you sign a form saying the heat pump will be your main heat. If you keep your old boiler or furnace running as the main heat, you are in the partial-home tier instead. Mass Save lists a $500 weatherization bonus and a $500 sizing bonus for partial-home systems. You apply after the install, and the deadline for 2026 installs is February 28, 2027.
Top-rated installers in Lowell
Ranked by Google reviews (minimum five). We don't take referral fees or paid placements. Ask any installer whether they are in Mass Save's Heat Pump Installer Network before you sign.
How to get a heat pump rebate in Lowell
- Book a free Mass Save Home Energy Assessment. It tells you whether your home needs insulation first, which the whole-home rebate asks for.
- If your income might qualify, ask about Enhanced Rebates before you get quotes. They can pay up to $16,000 or the full cost.
- Get at least two quotes from Heat Pump Installer Network contractors. Ask about tons, refrigerant and whether the system is sized to be your main heat.
- Have the system installed in 2026, then apply for the rebate by February 28, 2027.
- Claim your Alternative Energy Certificates through the state program, and use the 0% HEAT Loan for what is left if you need it.
Common questions
How much is the heat pump rebate in Lowell?
Mass Save pays $2,650 per ton for a whole-home system, up to $8,500, or $1,125 per ton for a partial-home system. Households that qualify by income can get up to $16,000 or a no-cost system.
What size heat pump do I need in Lowell?
It depends on your home's heat loss, which an installer should measure. The whole-home rebate needs a system big enough to be your main heat through a Lowell winter.
Who is the electric utility in Lowell?
National Grid. Lowell is on National Grid's list of Massachusetts towns.
Is there still a federal tax credit for heat pumps?
No. The federal 25C credit ended for equipment placed in service after December 31, 2025. The Mass Save rebate, the state's Alternative Energy Certificates and the 0% HEAT Loan are still open.
Will Mass Save pay for an R-410A heat pump?
No. Since January 1, 2026, heat pumps using refrigerant with a global warming rating over 700, including R-410A, were removed from Mass Save's qualified list.
How much does a whole-home heat pump cost after rebates?
MassCEC's example is a 2,000 square foot home: about $22,000 before incentives and about $12,500 after the $8,500 Mass Save rebate and $1,000 in certificates. Your quote will differ.
What to do next
Book the free assessment, then see our Lowell insulation rebate page or the full list of Mass Save rebates.
By Sam Menard. Sources, last read October 3, 2026: MassCEC: Air-source heat pumps (rebates, AECs, loans), Mass Save: Air-source heat pump rebates (snapshot July 16, 2026), Mass Save Heat Pump Qualified Product List, IRS: Energy Efficient Home Improvement Credit, US Census Bureau ACS 5-year 2020-2024, table B25040 (house heating fuel). All Lowell rebates → Every Mass Save rebate →