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Get a Free QuoteWestfield isn't on Mass Save — it runs on WG&E's own programs. WG&E pays $1,500 per ton on a cold-climate heat pump, up to $6,000 (or 50% of cost), plus a $1,000 whole-home oil or propane conversion bonus — then finances the rest at 0% through Home Plus.
Verified July 2026 against wgeld.org (WG&E's own rebate, rate, and Home Plus pages). Federal 25C heat-pump tax credit EXPIRED Dec 31, 2025.
Westfield Gas & Electric (WG&E) pays $1,500 per ton on a qualifying air-source heat pump, capped at four tons ($6,000) or 50% of the installed cost, whichever is less. A whole-home oil or propane conversion adds a flat $1,000, for a $7,000 ceiling. Ground-source heat pumps earn 50% up to $6,000; central AC earns $750. Rebates pay as an on-bill credit to current WG&E electric customers, and WG&E's 0% Home Plus program finances up to $27,000 of the balance. Westfield is municipal on both gas and electric, so it is not eligible for Mass Save on either fuel.
WG&E's top number is the $6,000 air-source cap plus the $1,000 whole-home oil-or-propane conversion bonus. Both are paid as a credit on your WG&E electric bill.
Air-source heat pump (ductless or ducted mini-split)
$1,500/ton — $1,125 per 0.75 ton — capped at 4 tons, or 50% of the installed cost, whichever is less
Whole-home oil or propane conversion bonus
Added when the heat pump replaces a whole-home oil or propane system (Manual J load calc required)
Total WG&E electric heat-pump rebate ceiling
The most WG&E credits on one air-source project, paid as an on-bill credit
The 50%-of-cost limit. The air-source rebate is the lesser of $1,500/ton (to $6,000) or 50% of the installed cost. On a modest single-zone project the 50% test can bind before the tonnage cap — we size and price so the rebate lands where you expect it.
Because WG&E is municipal on bothfuels. Mass Save is funded by an energy-efficiency charge on investor-owned utility bills — the electric IOUs (Eversource, National Grid, Unitil) and the gas IOUs. WG&E (Westfield Gas & Electric) is publicly owned and provides both the electricity and the natural gas in Westfield, so its customers pay neither charge and are not eligible for Mass Save on either fuel.
That makes Westfield different from an electric-only municipal town like Shrewsbury or Concord. There, a resident whose gas comes from an IOU can still use Mass Save's gas-side offers. In Westfield there is no IOU in the picture at all — so WG&E's own rebate, Home Plus loan, and weatherization rebate are the whole toolkit. On the heat-pump tier it pays competitively, with a conversion bonus and a 15-year 0% loan the IOUs don't match.
| Feature | WG&E Program | Mass Save (IOU, for reference) |
|---|---|---|
| Who runs it | WG&E (municipal gas + electric) | IOUs via Mass Save |
| Air-source heat pump | $1,500/ton, up to $6,000 (or 50% of cost) | $2,650/ton, up to $8,500 whole-home |
| Oil/propane conversion bonus | +$1,000 whole-home | No flat conversion adder |
| Ground-source heat pump | 50%, up to $6,000 | Varies by tier |
| 0% financing | Home Plus — $150/mo, up to $27,000, 15-yr | 0% HEAT Loan, up to $25,000 |
| Weatherization | 50%, up to $1,000 | Up to 100% (income-based) |
| Eligibility | WG&E electric customers (Westfield) | Eversource / National Grid / Unitil + gas IOUs |
| Mass Save access | Not eligible on gas OR electric | This is Mass Save |
Mass Save figures shown for comparison only. WG&E customers are not eligible for Mass Save; WG&E's own program terms apply. Mass Save whole-home standard ($2,650/ton, up to $8,500) and 0% HEAT Loan (up to $25,000) reflect the 2026 IOU program.
The same electric-customer program covers geothermal, cooling-only upgrades, and the weatherization that makes a heat pump run smaller and cheaper.
Closed- or open-loop geothermal systems earn the same $6,000 ceiling at half the installed cost.
A high-efficiency central AC (SEER2 above 15.2, EER2 above 12) earns a flat $750 — useful when you are not ready for full heating conversion.
Combined insulation and air-sealing work (after a home energy assessment) earns 50% back up to $1,000 — and a tighter envelope lets the heat pump run smaller and cheaper.
WG&E rebates high-efficiency, cold-climate equipment — not just any heat pump. Here are the thresholds it prints on its own rebate page. The COP-at-5°F requirement is what makes these units genuinely suited to a Westfield winter.
SEER2 (cooling efficiency)
15.2 or higher
HSPF2 (heating efficiency)
8.5+ ductless / 8.1+ ducted
COP at 5°F, max capacity
1.75 or higher
ENERGY STAR® listing
Required (AHRI-certified)
Also required:a new evaporator coil, a thermostatic or electronic expansion valve, ENERGY STAR® listing with an AHRI certificate, and a licensed contractor. Cooling-only ductless mini-splits are not eligible. The $1,000 whole-home conversion bonus requires the contractor's Manual J load-sizing calculation — the same document that proves the system is right-sized for the home.
Yes — with the right unit, right-sized. Westfield sits in the Pioneer Valley, where the 99% heating design temperature runs roughly 0°F to 5°F. A cold-climate heat pump is rated to hold most of its heating capacity down to 5°F and keeps running well below zero — which is exactly why WG&E ties its rebate to a COP of at least 1.75 at 5°F.
We size the heat pump to carry the design load at the coldest hours Westfield actually sees, so it is the primary system — not a shoulder-season add-on.
WG&E's 50%-up-to-$1,000 weatherization rebate pays to tighten the envelope. A lower heat load means a smaller heat pump that runs more efficiently on the coldest nights.
A whole-home design — and the Manual J that backs it — is what unlocks the $1,000 conversion bonus and gives you heating and cooling in every room from one system.
Here is the part most guides skip. WG&E's electric rate is low for Massachusetts — about 19.1¢/kWh all-in (~18.1¢ with the 5% prompt-payment discount) — and its municipal natural gas (about $1.55/therm delivered) is inexpensive too. When we run the cost to deliver the same unit of heat, gas actually edges out the heat pump at WG&E's own rates:
| Heating source | Cost per MMBTU of heat | Basis | Takeaway |
|---|---|---|---|
| Electric baseboard (resistance) | ~$56 | 293 kWh at WG&E electric rates, COP 1.0 | Heat pump cuts this ~63% |
| Cold-climate heat pump | ~$21 | ~109 kWh at WG&E electric rates, seasonal COP 2.7 | The efficient electric option |
| WG&E natural gas (92% AFUE) | ~$17 | ~10.9 therms at WG&E gas rates | Cheapest per BTU at WG&E rates |
Per 1 MMBTU (1,000,000 BTU) of useful delivered heat, at WG&E's verified July 2026 residential rates. Heat-pump seasonal COP (2.7) and gas furnace efficiency (92% AFUE) are illustrative engineering assumptions; your real numbers depend on the equipment, the home, and the winter. Oil and propane are not shown because their price is set by the delivery market, not WG&E — at typical western-MA prices the heat pump undercuts both.
This is the clearest win in Westfield: about a 63% cut in heating cost, and you already qualify for the rebate and Home Plus as a WG&E electric customer.
The heat pump beats delivered fuels on cost, unlocks the $1,000 conversion bonus, and these are the fuels WG&E's Home Plus loan is built for.
Fuel savings are slim at WG&E's rates. A heat pump still pays off if you are replacing dying AC anyway, want whole-home comfort, or want to cut combustion — just not mainly on the bill.
WG&E's Home Plus pilot is the financing piece the rebate leaves off. It lends up to $27,000 at 0% interest, a flat $150 a month for a term of up to 15 years, and it can cover the heat pump plus insulation, windows, and exterior doors recommended by a required free home energy audit. As of June 1, 2026 it is open citywide to all eligible Westfield homeowners.
The rebate is claimed by mail after installation and lands as a credit on your WG&E electric bill. Run it in this order so nothing gets missed.
It scopes the weatherization and defines the whole-home design — and it is the gateway to Home Plus. Address eligibility can be checked at wgeld.org.
Right-size the cold-climate heat pump to carry the design load. The Manual J is also what the $1,000 whole-home conversion bonus requires.
SEER2 ≥ 15.2, HSPF2 ≥ 8.5 ductless / 8.1 ducted, COP ≥ 1.75 at 5°F, new evaporator coil, TXV/EXV. Keep the AHRI certificate.
Submit the WG&E application with itemized receipts, efficiency values, and the AHRI certificate (plus the Manual J for a conversion). The rebate posts as an on-bill credit.
WG&E:100 Elm Street, Westfield, MA 01085 · (413) 572-0100 · customerservice@wgeld.org. Program terms are set by WG&E and can change — confirm the current rebate and Home Plus details at wgeld.org before you finalize equipment.
We size to a Manual J, hit WG&E's cold-climate specs, sequence the conversion bonus, and pair Home Plus financing.
Westfield Gas & Electric (WG&E) pays $1,500 per ton on a qualifying air-source heat pump — $1,125 per 0.75 ton — capped at four tons ($6,000), or 50% of the installed cost, whichever is less. A whole-home oil or propane conversion adds a flat $1,000, bringing the ceiling to $7,000 per project. Ground-source (geothermal) heat pumps earn 50% up to $6,000, and central AC earns a flat $750. The rebate is paid as an on-bill credit, the equipment must be ENERGY STAR listed and installed within the past 12 months by a contractor, and you must be a current WG&E electric customer.
Solar economics on WG&E’s low municipal electric rate.
Shrewsbury’s electric-only municipal program.
Concord’s highest $/ton municipal program.
Wellesley’s decommissioning rebate.
The statewide IOU program (for reference).
What a heat pump actually costs in Massachusetts.
We design to WG&E's cold-climate specs, size to a Manual J, sequence the $1,000 oil/propane conversion bonus, and pair the 0% Home Plus loan — so Westfield homeowners capture the full $7,000 and finance the rest at zero interest.
