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Complete Homeowner's Reference
Energize CT is Connecticut's ratepayer-funded energy efficiency program, administered by CLEAResult on behalf of Eversource and United Illuminating. This guide covers every program available to CT homeowners in 2026 -- from assessments and insulation to financing and income-eligible benefits.
Updated February 2026
Energize CT is not a utility company. It is the brand name for Connecticut's ratepayer-funded energy efficiency programs -- a statewide initiative that helps homeowners reduce energy costs through assessments, rebates, and low-interest financing. Think of it as Connecticut's version of Mass Save in Massachusetts or Efficiency Maine in Maine.
The program is administered by CLEAResult, a national energy services company that manages the day-to-day operations including scheduling assessments, processing rebates, and coordinating with contractors. CLEAResult operates on behalf of Connecticut's two investor-owned utilities: Eversource (serving approximately 75% of CT electric customers) and United Illuminating (UI) (serving approximately 25%).
Funding comes from a system benefits charge on every CT electric bill -- roughly $0.01 per kWh. This means every Eversource and UI customer is already paying into the program. If you pay a CT electric bill, you are eligible for Energize CT services. Additional funding comes through the Connecticut Green Bank, which administers the Smart-E Loan program.
Every program available to CT homeowners in 2026. Click any card for the full deep-dive guide with step-by-step instructions, eligibility details, and cost breakdowns.
Comprehensive 4-6 hour home energy audit. Blower door test, thermal imaging, and free installations during the visit.
Attic, wall, basement, and air sealing. 75% off for all customers. 100% off for income-eligible households.
Near-zero interest financing through CT Green Bank. Covers heat pumps, insulation, solar, batteries, and more.
Enhanced benefits for qualifying low-income households. Free assessment, free insulation, and additional equipment assistance.
Heat pump water heaters use 60-70% less electricity than standard electric tanks. Instant rebate applied at purchase.
Air-source heat pump rebates through Energize CT. Standard tier and Energy Optimization tier available.
Energize CT offers two tiers of the Home Energy Solutions program. Both include the same comprehensive assessment -- the difference is cost and rebate depth.
Available to all Eversource and UI customers
At or below 60% SMI, LIHEAP, or utility discount rate
Also eligible if enrolled in LIHEAP, SNAP, HUSKY Health, SSI, Section 8, or utility hardship/discount rate.
The Smart-E Loan through the Connecticut Green Bank is one of the best energy financing products in the country. At 0.99% APR with no origination fees and terms up to 15 years, it costs a fraction of what commercial loans charge. This rate is available through March 31, 2026 -- it may change after that date.
Total cost on a $25,000 project
Smart-E saves $6,000-$17,000+ in interest vs commercial financing on a $25K project.
Key distinction: Energize CT rebates are direct rebates funded by CT ratepayers, not federal tax credits. They are unaffected by the federal expiration and remain fully available in 2026. The $50 HES assessment, 75% insulation discount, Smart-E Loan, and heat pump rebates all continue as normal.
Both of Connecticut's investor-owned electric utilities participate in all Energize CT programs. Same rebates, same eligibility, regardless of your utility.
Greater Hartford, central and eastern CT — serves ~75% of CT electric customers
Greater New Haven, Bridgeport, and southwestern CT — serves ~25% of CT electric customers
Municipal electric companies
A small number of CT towns are served by municipal electric utilities (e.g., Wallingford Electric, Norwich Public Utilities, Bozrah Light and Power). Municipal utility customers may have limited access to some Energize CT programs. Contact your municipal utility directly for available efficiency programs.
Energize CT is the brand name for Connecticut's ratepayer-funded energy efficiency programs. It is administered by CLEAResult on behalf of Eversource and United Illuminating (UI). Every CT electric customer already pays into the program through a system benefits charge on their electric bill -- about $0.01/kWh. Energize CT is not a utility company; it is a program umbrella that coordinates rebates, assessments, and financing across the state.
The standard HES assessment costs $50 as a copay -- the actual value is $400-$600. During the assessment, the technician installs $195-$500 in free items (LEDs, smart thermostat, showerheads, pipe insulation, power strips), so the $50 copay is effectively free. Income-eligible households (HES-IE) pay nothing -- the assessment and all installations are 100% free.
Yes. The HES assessment is required before you can receive the 75% insulation rebate. The assessment identifies what insulation measures your home needs and determines your specific rebate amounts. Without an HES on file, you cannot access insulation rebates, air sealing rebates, or the full Energize CT heat pump rebate tiers.
The Smart-E Loan is a low-interest financing program through the Connecticut Green Bank. As of early 2026, it offers 0.99% APR for up to $50,000 with terms from 5 to 15 years and zero origination fees. It covers heat pumps, insulation, heat pump water heaters, solar, batteries, EV chargers, and more. Apply through a participating CT Green Bank lender at ctgreenbank.com/smarteloan.
Yes. All Energize CT programs -- HES assessment, insulation rebates, heat pump rebates, Smart-E Loan, HPWH rebate, and income-eligible benefits -- are available to both Eversource customers (approximately 75% of CT) and United Illuminating customers (approximately 25% of CT). The same rebate amounts and eligibility rules apply regardless of which utility you have.
No. The federal Section 25C energy efficiency tax credit (which previously covered heat pumps) and Section 25D residential solar tax credit both expired on December 31, 2025. They provide $0 in 2026. Energize CT rebates are direct rebates funded by ratepayers, not tax credits, so they are unaffected by the federal expiration.
You qualify for HES-IE if your household income is at or below 60% of Connecticut's State Median Income (SMI). For a household of four, this is approximately $61,560 per year. You also qualify automatically if you are enrolled in LIHEAP, receive SNAP benefits, have HUSKY Health (Medicaid), receive SSI, participate in Section 8, or are on a utility hardship or discount rate. Call 877-947-3873 to verify your eligibility.
Energize CT offers a $750 rebate for qualifying heat pump water heaters (HPWHs) with a Uniform Energy Factor (UEF) of 2.0 or higher. Popular qualifying models include the Rheem ProTerra, A.O. Smith Voltex, and Bradford White AeroTherm. The rebate can be combined with Smart-E Loan financing. Income-eligible households may receive the HPWH at no cost through HES-IE.
NuWatt Energy is a participating Energize CT contractor and energy advisor serving Connecticut homeowners. This guide is provided as an educational resource to help you understand and navigate the full range of Energize CT programs. All program details, rebate amounts, and eligibility requirements are sourced from energizect.com, the CT Green Bank, and CT DEEP. We recommend verifying current availability by calling Energize CT directly at 877-947-3873.
Dive deeper into specific topics with our comprehensive CT energy guides.
Total cost breakdown by system type after Energize CT rebates.
Performance data at CT design temps. Do they work in winter?
34% of CT homes heat with oil. Full conversion guide.
Honest ROI analysis for gas-heated CT homes.
$2.60-$3.10/W installed. RRES netting and tax exemptions.
Utility-by-utility rebate comparison for CT heat pumps.
Schedule your $50 Home Energy Solutions assessment and unlock 75% off insulation, heat pump rebates, and 0.99% APR financing. Income-eligible? Your assessment is completely free.
Schedule online at energizect.com or call 877-947-3873