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Energize CT covers 75% of insulation costs for every Eversource and United Illuminating customer. Income-eligible households pay nothing. Attic, wall, basement, and air sealing -- all with instant rebates applied at installation.
Last updated February 2026 | Federal 25C tax credit EXPIRED Dec 31, 2025
All Eversource and United Illuminating customers qualify for the 75% rebate after an HES assessment. Income-eligible households receive 100% coverage at no cost.
Most homeowners pay just 25% of insulation cost after HES rebate
Fully covered — $0 out of pocket for qualifying households
Five key insulation and air sealing measures, with costs before and after Energize CT rebates.
| Measure | Typical Cost | After 75% Rebate Standard | Income-Eligible 100% Covered | R-Value | Comfort Impact |
|---|---|---|---|---|---|
Attic Insulation Blown-in fiberglass or cellulose. CT homes often have R-19 or less in the attic — bringing to R-49+ dramatically reduces heat loss. | $1,200-$3,500 | $300-$875 | FREE | R-49 to R-60 | High |
Wall Insulation (Dense-Pack) Dense-pack cellulose through small drill holes. Many older CT homes (pre-1980) have zero wall insulation. | $1,800-$5,500 | $450-$1,375 | FREE | R-13 to R-15 | High |
Basement/Crawlspace Insulation Rim joist spray foam plus wall or ceiling insulation. Eliminates cold floors above unheated basements. | $1,200-$3,500 | $300-$875 | FREE | R-15 to R-25 | High |
Air Sealing Seal air leaks identified during blower door test — attic bypasses, recessed lights, plumbing stacks, electrical penetrations. | $600-$2,000 | $150-$500 | FREE | N/A (CFM50 reduction) | High |
Duct Sealing & Insulation Seal leaky duct joints with mastic. Insulate exposed ducts in unconditioned spaces. Improves HVAC efficiency 20-30%. | $400-$1,200 | $100-$300 | FREE | R-8 duct insulation | Medium |
Costs vary by home size, existing insulation levels, and accessibility. Your HES assessment report provides exact costs and rebate amounts for your home.
Maximum savings when you do everything at once
Typical Total Cost
$5,200-$15,700
After 75% Rebate
$1,300-$3,925
Annual Energy Savings
$300-$1000
Payback Period
1-3 years
Reduces drafts, cold spots, and ice dams. Evens out temperatures between floors. Quieter home.
Smart-E Loan option: Finance your 25% share with a 0.99% APR Smart-E Loan up to $50,000 through Connecticut Green Bank. A $3,000 remaining cost is just $26/month over 10 years -- nearly interest-free.
One contractor, one project: Bundling attic, wall, basement insulation, and air sealing into a single project saves time and maximizes energy savings. Many Energize CT contractors handle the full scope in 2-3 days.
Connecticut sits in IECC climate zone 5A with approximately 5,600 heating degree days. CT has ~5,600 heating degree days — insulation is critical. Many pre-1960 homes have little or no wall insulation.
Climate Zone
5A
All of Connecticut
Heating Degree Days
~5,600
Long, cold winters
Pre-1960 Homes
45%+
Often no wall insulation
The process is straightforward. Energize CT handles most of the complexity, and your rebate is applied instantly at installation.
Call 877-947-3873 or schedule online at energizect.com. The HES assessment takes 4-6 hours and costs $50 (free for income-eligible households). You receive free LED bulbs, smart power strips, low-flow showerheads, and a smart thermostat -- worth $195-$500.
Within 5-7 business days, you receive a detailed report ranking insulation improvements by energy savings impact. Each recommendation includes a specific rebate amount calculated for your home.
Your report includes a list of Energize CT participating insulation contractors in your area. Get 2-3 quotes. Only participating contractors can apply the instant rebate at installation.
If financing is needed for your 25% share, apply for a 0.99% APR Smart-E Loan through CT Green Bank before scheduling work. Approval typically takes 3-5 business days.
The contractor performs the work (typically 1-3 days for full-home insulation) and applies the 75% rebate as an instant discount on your invoice. You pay only 25% at completion. Income-eligible customers pay $0.
The federal Section 25C energy efficiency tax credit expired December 31, 2025. There is no federal tax credit for insulation or weatherization in 2026. The Energize CT 75% rebate is your primary incentive -- a direct discount applied at installation, not a tax credit you file for later.
If your household income is at or below 60% of State Median Income (SMI), or if you are enrolled in LIHEAP, receive utility hardship or discount rates, or participate in SNAP, HUSKY Health, SSI, or Section 8, you qualify for HES-IE (Home Energy Solutions -- Income Eligible). Under HES-IE, your assessment is free and insulation is 100% covered -- $0 out of pocket.
Call 877-947-3873 and request HES-IE specifically. Mention your income situation or program enrollment.
CT Heat Pump Rebates (including income-eligible tiers)Insulation is not just about energy savings. It transforms how your home feels, sounds, and performs year-round.
Even out temperatures between floors and rooms. No more freezing upstairs bedrooms or cold kitchen floors above unheated basements.
Proper attic insulation and air sealing prevents warm air from melting snow on your roof, which refreezes at the eaves and causes ice dams.
Dense-pack wall insulation and attic insulation dramatically reduce outside noise -- traffic, lawnmowers, and neighborhood sounds.
Air sealing reduces humid summer air infiltration and winter condensation problems. Less mold risk in attics and basements.
Insulated homes use 20-40% less heating and cooling energy. Annual savings of $300-$1,000 depending on home size and fuel type.
A well-insulated home needs a smaller heat pump, costs less to operate, and maintains comfort even at extreme cold. Energize CT often recommends insulation before heat pump installation.
Yes. Energize CT covers 75% of insulation costs for all customers who pay into the program through their electric utility -- either Eversource or United Illuminating (UI). The rebate is applied as an instant discount at installation -- your invoice shows only the 25% you owe. Income-eligible households (at or below 60% SMI or enrolled in qualifying assistance programs) receive 100% coverage.
Absolutely -- and Energize CT recommends it. A well-insulated home means a smaller heat pump (saving $2,000-$5,000 on equipment), lower operating costs (20-30% less electricity), and better comfort at extreme temperatures. The Energy Optimization tier ($1,000/ton) requires a Manual J load calculation, and your heating load drops significantly with proper insulation. Many contractors will not install a whole-home heat pump until insulation and air sealing meet minimum standards.
Windows are almost never the best investment compared to insulation. A typical window replacement costs $15,000-$30,000 and saves far less energy than a $5,000-$10,000 insulation project (which you only pay 25% of through Energize CT). HES assessors consistently recommend insulation and air sealing first. Air sealing around existing windows is highly effective and included in the 75% rebate.
The $50 HES assessment is one of the best values in home improvement. Beyond the assessment itself, you receive $195-$500 in free instant upgrades (LEDs, smart thermostat, weatherstripping, etc.) -- more than recouping the $50 cost. And the assessment unlocks the 75% rebate on thousands of dollars of insulation work. Without an HES assessment, you pay full price for insulation.
Yes. A Home Energy Solutions (HES) assessment is required before receiving any insulation rebates through Energize CT. The assessment costs $50 for standard customers and is free for income-eligible households. It identifies exactly what insulation measures your home needs, quantifies air leakage with a blower door test, and determines your specific rebate amounts. Call 877-947-3873 or schedule online at energizect.com.
Connecticut is in climate zone 5A with approximately 5,600 heating degree days. The Department of Energy recommends R-49 to R-60 for attics, R-13 to R-15 for walls, and R-15 to R-25 for basements and crawlspaces in zone 5A. Your HES assessment report specifies the exact R-values recommended for each area of your home based on current conditions.
Most insulation jobs take 1-2 days. Attic insulation (blown-in) typically takes 3-6 hours. Wall insulation (dense-pack cellulose) takes 1-2 days depending on home size. Air sealing can be done in a few hours. Basement insulation with spray foam takes about a day. If you bundle all measures at once, expect 2-3 days total.
No. Energize CT insulation rebates require the work to be performed by an Energize CT participating insulation contractor. The rebate is typically applied as an instant discount at installation -- the contractor handles all Energize CT paperwork. DIY insulation does not qualify for any Energize CT rebate.
Yes. The Smart-E Loan through Connecticut Green Bank offers 0.99% APR financing for up to $50,000 with terms from 5 to 15 years. If your 25% share of a whole-home insulation project is $3,000, a 10-year Smart-E Loan would cost about $26/month. Apply at ctgreenbank.com/smarteloan before scheduling work.
Yes -- and Energize CT often recommends insulation improvements before or alongside a heat pump installation. Properly insulated homes need a smaller (cheaper) heat pump, cost less to operate, and maintain more even temperatures. Many contractors recommend doing insulation first, then right-sizing the heat pump to your improved building envelope. The Energy Optimization tier ($1,000/ton) requires a Manual J load calculation, and your heating load drops significantly with proper insulation.
No. The federal Section 25C energy efficiency tax credit expired December 31, 2025. There is no federal tax credit for insulation or weatherization in 2026. The Energize CT 75% rebate is your primary incentive. For income-eligible households, Energize CT covers 100% of the cost.
Your HES assessment report is valid for 1 year. You must complete the recommended insulation work within that 12-month window to receive your rebates at the amounts specified in the report. If the report expires, you would need a new HES assessment.
See your insulation savings before you commit. The HES assessment costs just $50, takes 4-6 hours, and comes with $195-$500 in free instant upgrades.
Your assessment report shows exactly what your home needs, what it costs, and what Energize CT covers. No obligation to proceed with any recommendations.
Available to all Eversource and United Illuminating customers in Connecticut.
