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Get a Free QuoteUp to $8,500 standard ($2,650/ton) — or up to $16,000 income-based, with a no-cost Turnkey path. Wondering what happened to the old $10,000 rebate? We answer that below. Plus the 0% HEAT Loan to $25K. The federal 25C credit is gone; Eligibility depends on the program, equipment, installer, and household.
Last reviewed: October 6, 2026 | Source: Mass Save, program administrator, MA DOER
Eligible Mass Save projects can receive whole-home rebates at $2,650/ton up to $8,500, partial-home base rebates at $1,125/ton up to $8,500, or basic rebates at $250/ton up to $2,500 in 2026. Only qualifying partial-home rebates may receive the $500 sizing and $500 weatherization bonuses, in addition to the $8,500 base-rebate cap. Income-qualified households may receive up to $16,000 for an air-source heat pump or an up-to-no-cost Turnkey installation, subject to screening and approval. These are separate pathways, not added together. The old $10,000 whole-home cap is historical. No federal 25C credit for 2026 installations. Qualifying water heater rebates are $750, or $1,500 for split systems. HEAT Loan financing requires program authorization and lender approval.
Last reviewed: October 6, 2026
Enter your ZIP code or town to identify a possible program. Location alone does not establish eligibility or an award.
If you searched for a “$10,000 heat pump rebate,” that was the prior program year's whole-home cap. Here is what changed; the enhanced income-qualified offering was already available in 2025.
No. The $10,000 whole-home cap belonged to the prior program year and is no longer the 2026 number. For 2026, the whole-home rebate is $2,650 per ton, capped at $8,500, down from $3,000 per ton capped at $10,000 in 2025. Whole-home rebates do not receive sizing or weatherization bonuses; those are partial-home-only offers. Enhanced income-qualified air-source incentives of up to $16,000 and an up-to-no-cost Turnkey pathway were already offered in 2025, subject to program eligibility.
2025 whole-home cap (retired)
$10,000
Historical only — $3,000/ton
2026 standard cap
$8,500
$2,650/ton whole-home; no bonuses
2026 income-based ceiling
$16,000
ASHP — up to no cost via Turnkey
| Feature | 2025 (historical) | 2026 (current) | Change |
|---|---|---|---|
| Whole-Home Rebate (cap) | $3,000/ton, cap $10,000 | $2,650/ton, cap $8,500 | Lower per-ton and cap |
| Partial Rebate (cap) | $1,250/ton, cap $10,000 | $1,125/ton, cap $8,500 | Lower per-ton and cap |
| Basic Rebate (cap) | $250/ton, cap $2,500; eligible Aug 1–Dec 31 installations | $250/ton, cap $2,500 | Same advertised amount; year-specific eligibility |
| Income-Based Enhanced (ASHP) | Up to $16,000 (up-to-no-cost Turnkey) | Up to $16,000 (up-to-no-cost Turnkey) | Same advertised offering |
| Federal 25C Credit | Up to $2,000 | $0 (EXPIRED) | Eliminated |
| Equipment Eligibility | Equipment must meet 2025 HPQPL and program requirements | Exact combination must be on current HPQPL | Check equipment and installation date |
| HEAT Loan | 0%; up to $25,000; confirm available term with lender | 0%; up to $25,000; up to 7 years if approved | Same advertised rate and maximum; terms and eligibility vary |
| Sizing Bonus (partial-home only) | $500 if eligible (documented October 2025) | $500 if eligible | Check year-specific conditions |
$3,000/ton, cap $10,000
$2,650/ton, cap $8,500
$1,250/ton, cap $10,000
$1,125/ton, cap $8,500
$250/ton, cap $2,500; eligible Aug 1–Dec 31 installations
$250/ton, cap $2,500
Up to $16,000 (up-to-no-cost Turnkey)
Up to $16,000 (up-to-no-cost Turnkey)
Up to $2,000
$0 (EXPIRED)
Equipment must meet 2025 HPQPL and program requirements
Exact combination must be on current HPQPL
0%; up to $25,000; confirm available term with lender
0%; up to $25,000; up to 7 years if approved
$500 if eligible (documented October 2025)
$500 if eligible
The 2025 column is shown for historical reference only and reflects the retired program-year structure. The same advertised amount does not mean identical eligibility conditions. Sources: the 2025 sponsor rebate form and the October 2025 archive of Mass Save's official page.
Federal 25C Tax Credit: EXPIRED.The Section 25C Energy Efficient Home Improvement Credit ended December 31, 2025. Any website or contractor claiming you can get a $2,000 federal tax credit for a heat pump in 2026 is providing outdated information. NuWatt's calculations reflect $0 in federal tax credits.
Mass Save structures heat pump rebates in three tiers based on how much of your home's heating load the heat pump will serve. The more fossil fuel heating you displace, the higher your per-ton rebate.
Sole heating source; program exceptions require verification
Cap: $8,500 maximum
3-ton system = $7,950 | 4-ton = $8,500 (capped)
Supplemental heating
Base rebate cap: $8,500; qualifying bonuses additional
4-ton base = $4,500 | 8-ton base = $8,500 (capped)
Not displacing existing heating
Cap: $2,500 maximum
5-ton system = $1,250 | 10-ton = $2,500 (capped)
Partial-home rebates only: equipment must meet 90–120% of total heating load at the outdoor design temperature throughout 100% of conditioned space. Submit the Manual J heating-load calculation and apply for the rebate and bonus together through the online application portal.
Partial-home rebates only: complete a Home Energy Assessment and install recommended weatherization within 12 months before or up to 6 months after heat-pump installation. Wait until weatherization is complete, then apply for the rebate and bonus together through the online application portal. Coordinate late completion with Mass Save or its rebate processing team before the application deadline; an extension is not automatic. This bonus is additional to the partial-home base cap.
Mass Save offers a separate $750 rebate for qualifying conventional and 120-volt heat pump water heaters, or $1,500 for qualifying split systems. Equipment must meet the water-heater program requirements and be installed by a licensed plumber.
$750
Qualifying conventional / 120-volt models
Up to 3x
As efficient as conventional electric water heaters
$1,500
Qualifying split systems
Actual savings vary. Verify model eligibility, income-based offers and any HEAT Loan approval separately. See the full heat pump water heater rebate guide.
Eligibility depends on the exact equipment combination on the Mass Save Heat Pump Qualified Product List (HPQPL), not simply its brand, refrigerant or ENERGY STAR label. As of January 1, 2026, Mass Save removed new residential and light-commercial split systems with refrigerant GWP above 700, including R-410A, from the list. Separate transition dates apply to certain VRF systems and factory-assembled self-contained products.
New residential and light-commercial split systems with GWP above 700 were removed from the HPQPL.
Mass Save identifies installation dates before January 1, 2027 for VRF systems of at least 65,000 BTU/h, and before January 1, 2028 for factory-assembled self-contained products. These dates alone do not establish rebate eligibility.
The January 2026 HPQPL change applies to new residential and light-commercial split systems. Consult Mass Save for equipment-specific exceptions and historical installation eligibility.
Refrigerant choice alone does not establish eligibility. Match the proposed indoor/outdoor equipment combination and AHRI reference to the current Mass Save HPQPL.
An ENERGY STAR label is not a substitute for the Mass Save HPQPL. Confirm the exact equipment combination and all other program requirements before purchase.
What does this mean for you?Ask for the proposed model numbers and AHRI reference, check the current Mass Save HPQPL, and verify the installer's current participation. A product label or NuWatt quote does not guarantee program approval or reserve a rebate.
Real Manual J calculations, equipment recommendations, and savings estimates — not a sales pitch. Enter your home details and get results in minutes.
No signup required. No salesperson will call unless you ask.
The Mass Save HEAT Loan provides 0% interest financing for qualifying energy efficiency improvements including heat pump installations. Eligible financing generally excludes expected rebates. Apply for program authorization and lender approval before installation.
0% interest; confirm any fees and loan conditions with your participating lender.
A cumulative program limit across eligible upgrades; it is not a new $25,000 allowance for each project.
Program authorization and separate lender approval are required. Confirm the available term and all loan conditions with your participating lender.
Net cost: $3,000
Net cost: $5,500
Net cost: $7,500
Net cost: $1,000
Examples assume the maximum 7-year (84-month) term at 0% interest. A shorter term raises the monthly payment. Your participating lender sets the specific term during the application review.
Eversource, National Grid and Unitil offer lower electric delivery pricing from November 1 through April 30 for eligible heat-pump households. DOER estimated average winter savings ofabout $540 for 2025–26. This historical estimate is not a guarantee of your future savings; bill changes depend on your utility, usage and current rates.
~$540
DOER's estimated 2025–26 winter savings
Historical estimate, not guaranteed savings
Nov 1–Apr 30
Lower delivery charges
Eversource, National Grid, Unitil
Check enrollment
Utility and rebate-type rules apply
Some households must apply
How enrollment works: Confirm the requirements with your electric utility. National Grid requires an application for basic-rebate and certain new-construction or renovation installations. An installation date since 2019 alone does not establish automatic enrollment. See the full seasonal heat pump rate guide.
Partial-home rebates only. Equipment must meet 90–120% of total heating load at the outdoor design temperature, per ACCA Manual J design conditions, throughout 100% of conditioned space. Submit the heating-load calculation and apply for the rebate and bonus together through the online application portal.
Partial-home rebates only. Complete a Home Energy Assessment and install its recommended weatherization within 12 months before or up to 6 months after heat-pump installation. The administrator also requires recommendations within that window. Wait until weatherization is complete, then apply for the rebate and bonus together through the online application portal. If completion threatens the application deadline, coordinate with Mass Save or its rebate processing team before the deadline; an extension is not automatic. Qualifying partial-home bonuses are additional to the $8,500 base-rebate cap. Whole-home weatherization must be completed before installation.
Use this calculator to estimate your total incentives based on your system size and standard rebate tier. Enhanced income-qualified offers require separate verification. Results include Mass Save rebates, bonuses, and HEAT Loan monthly payments based on current 2026 program rates.
3 tons
This calculator estimates standard rebates only. Income-qualified enhanced and Turnkey offers require separate program verification; they do not stack with standard rebates.
Sizing: 90–120% of total heating load at design temperature throughout 100% of conditioned space, documented by Manual J. Weatherization: complete the assessment and recommended work within 12 months before or up to 6 months after installation. Apply for bonuses with the rebate. For the weatherization bonus, wait until weatherization is complete. Coordinate late completion with Mass Save before the application deadline; an extension is not automatic. No bonuses for whole-home or basic.
0% illustration; lender approval and program terms apply. Shorter terms increase payments.
Planning estimate only. The base rebate is capped at the published tier maximum; qualifying partial-home bonuses are additional to the $8,500 base cap. Exact equipment must appear on the Mass Save Heat Pump Qualified Product List and a participating installer is required. Rebates cannot exceed eligible installation cost. Federal 25C credit is not included.
Disclaimer: Calculator estimates are based on published 2026 Mass Save program rates. Actual rebate amounts remain subject to program review and approval. The federal 25C tax credit expired December 31, 2025 and is not included in these calculations.
Rebate amounts vary by equipment and income. See what you qualify for.
Check My EligibilityEligible Massachusetts households can apply for income-based offers. Enhanced incentives reachup to $16,000 for an air-source heat pump (and up to $25,000 for ground-source). For eligible households, the Mass Save Turnkey program can take a qualifying installation all the way to no cost.
The enhanced air-source heat pump incentive goes up to $16,000 (ground-source up to $25,000). The Turnkey pathway offers up-to-no-cost installation for eligible households, subject to cost-effectiveness screening and program approval. Do not assume every electrical upgrade is covered. Check eligibility on our Mass Save income-eligible guide.
Source: Mass Save Heating and Cooling newsletter, September 30, 2026. The submission date controls this new photo requirement.
Your heat pump must be installed between January 1 and December 31, 2026, and the complete rebate application and documents received by February 28, 2027 to qualify for 2026 program year rebates. Mass Save rebate budgets are allocated annually and can be exhausted before this deadline. Confirm current eligibility and deadlines with Mass Save; starting early does not secure a rebate.
Week 1
NuWatt assesses your home, performs Manual J load calculation, and recommends the right system and rebate tier.
Before purchase or installation
Confirm current installer participation, exact HPQPL equipment, weatherization, income verification where applicable, and documentation. Apply for HEAT Loan authorization and lender approval before installation if financing is needed. An estimate does not lock in a rebate.
Schedule depends on municipal approvals and project requirements
Complete installation, commissioning and required municipal inspections. On-site work and project timing depend on the scope and local requirements.
After complete submission
Submit the completed application and required documentation after eligible installation. Mass Save advises allowing eight weeks for rebate processing; inspections or missing documents may affect timing.
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Mass Save rebates depend on installer status, equipment eligibility, weatherization sequence, Manual J sizing, and who owns the paperwork.
Confirm current Heat Pump Installer Network (HPIN) participation before relying on rebate eligibility.
Require Manual J sizing, design-temperature capacity, zoning, and backup heat notes.
Make the proposal name the equipment, electrical scope, permits, and rebate paperwork owner.
These pages should work as one cluster: local installer proof, Mass Save details, cost modeling, utility rules, design quality, and real project examples.
Parent guide tying Mass Save, costs, installers, city pages, and proof together.
Installer scope and credential references; confirm current program participation directly with Mass Save.
Installer scope and credential references; confirm current program participation directly with Mass Save.
Nine Massachusetts project examples with scope, rebates, and design notes.
Installed prices by ductless, ducted, hybrid, and whole-home scope.
Whole-home, partial-home, income-eligible, bonuses, and HEAT Loan.
Savings, oil tank retirement, whole-home rebate pathway, and backup choices.
Boston-area gas conversion and hybrid economics.
How ductless, ducted, and hybrid systems work in hydronic homes.
Electric resistance replacement, comfort, and payback analysis.
Why exact room loads beat square-footage rules.
Equipment that keeps capacity at Massachusetts winter temperatures.
Mitsubishi, Fujitsu, Bosch, Daikin, Carrier, and where each fits.
Startup checks, airflow, refrigerant, controls, and homeowner handoff.
Mass Save, electric rates, and account-specific planning.
National Grid rebate and heat pump electric-rate guidance.
Northern MA utility requirements and rebate planning.
How to finance the remaining balance after rebates.
Installed costs by type, brand, and system size for Massachusetts.
Complete guide to Mass Save HEAT Loan: terms, payments, and application.
Best models for New England winters — performance below 0°F.
Full sizing and savings calculator for your specific home.
Eversource and National Grid discounted rates for heat pump owners.
Income-qualified enhanced and Turnkey pathways; program verification required.
Free in-home assessment, Manual J calculation, and rebate estimate.
Retrofitting heat pumps in older Massachusetts homes — what to expect.
No-cost home energy assessment — required before most rebates.
Official Mass Save rebate amounts, tiers, bonuses, and program details.
Up to $16,000 ASHP / $25,000 GSHP enhanced incentives and Turnkey program details.
Verify the exact equipment combination and applicable installation-date requirements.
0% interest HEAT Loan details, application process, and participating lenders.
Official details on the winter delivery discount and automatic enrollment.
Last reviewed October 6, 2026. Published program terms, funding and administrator approval govern awards. Historical figures are not current offers. Check exact equipment, installer participation, weatherization and submission requirements with Mass Save before committing to work.
Ask NuWatt about your project scope and the documentation needed for a rebate estimate. NuWatt is an active Mass Save Heat Pump Installer Network (HPIN) contractor, confirmed by the program administrator on October 6, 2026. The separate Heat Pump Leaders Network is not required for rebate or HEAT Loan eligibility. Each project remains subject to program requirements and, for financing, lender approval; a NuWatt quote is not an approval.
Rebates and financing are subject to program eligibility and approval; an estimate is not a guarantee.