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Get a Free QuoteIncome-eligible Massachusetts households can access Mass Save rebates ($8,500) plus bonuses ($1,000) now. The 0% HEAT Loan covers remaining costs. This means potentially covering the entire cost of a heat pump system. Plus, 0% HEAT Loan financing for any remaining balance.
Last updated February 2026 | Federal 25C tax credit EXPIRED Dec 31, 2025.
Yes, if you qualify. Mass Save whole-home rebate ($8,500) + bonuses ($1,000) are available now for up to $9,500 in total incentives. The 0% HEAT Loan covers remaining costs up to $25,000. Households below 60% AMI may also qualify for Mass Save's income-eligible program that covers remaining costs entirely.
Your total incentive package depends on your household income relative to Area Median Income (AMI) and State Median Income (SMI).
At or below 60% AMI
Total Incentives
$9,500
100% coverage — equipment, labor, electrical, and duct work at no cost. Administered via Mass Save income-eligible program and Community Action Agencies.
61–80% AMI
Total Incentives
$9,500
75% of system cost covered. Standard Mass Save rebates ($8,500 + $1,000 bonuses) plus 0% HEAT Loan at 7-year term for the remainder.
Above 80% AMI
Total Incentives
$9,500
Full Mass Save rebates ($8,500 + $1,000 bonuses) available to all income levels. 0% HEAT Loan covers remaining costs at 3-5 year terms.
Equipment, labor, electrical, and duct work — fully at no cost through Mass Save's income-eligible program and Community Action Agencies.
Enhanced Mass Save coverage covers up to 75% of system cost. The 0% HEAT Loan (7-year term) covers the remaining balance interest-free.
The table below shows approximate 2026 income thresholds for the Boston-Cambridge-Newton metro area. Thresholds vary by region — call Mass Save at 866-527-7283 for your specific area.
| Household Size | 60% AMI100% covered (no-cost) | 80% AMI75% covered (enhanced) |
|---|---|---|
| 1 person | $47,060 | $62,750 |
| 2 people | $53,770 | $71,700 |
| 3 people | $60,530 | $80,700 |
| 4 people | $67,240 | $89,650 |
| 5 people | $72,640 | $96,850 |
| 6 people | $78,040 | $104,050 |
For qualifying low-income households, combined incentives can cover the full cost of a whole-home heat pump system.
Rebates exceed system cost by $950
When combined incentives exceed the system cost, the excess is not paid out as cash. The homeowner simply pays nothing out of pocket. Actual rebate amounts depend on system size, tier qualification, and income verification.
Households at or below 60% of Area Median Income may qualify for Mass Save's income-eligible program, which provides heat pump installation at no cost whatsoever -- including equipment, labor, electrical work, and any necessary duct modifications. This is a separate track from the standard rebate programs and is administered through Community Action Agencies (CAAs).
Contact Mass Save at 866-527-7283 or NuWatt to check your eligibility for this no-cost program.
If your combined rebates do not cover the full system cost, the Mass Save HEAT Loan provides 0% interest financing for the remainder. Income determines your loan term length -- lower income gets longer terms and lower monthly payments.
7 years (84 months)
$3,000 net = $36/month
5 years (60 months)
$5,500 net = $92/month
3 years (36 months)
$7,500 net = $208/month
Key benefit: The HEAT Loan is at 0% interest with no payments for the first 3 months. The amount you borrow is the exact amount you repay -- no hidden fees, no interest charges. Up to $25,000 is available, and the loan covers your net cost after all rebates are applied.
Enter your system details and income level to see your estimated out-of-pocket cost after all available rebates and incentives.
Typical range: $12,000 – $22,000
3 tons
Federal 25C credit expired Dec 31, 2025 — not included. Bonuses (sizing $500 + weatherization $500) not included above but may further reduce cost.
Disclaimer: Calculator estimates are based on published 2026 Mass Save program rates. Actual rebate amounts are confirmed at time of installation. The federal 25C tax credit expired December 31, 2025 and is not included.
The application process is straightforward. NuWatt handles most of the paperwork on your behalf.
Use the AMI table above or call Mass Save at 866-527-7283 to verify your income level. You will need your household size and annual gross income.
Mass Save provides a no-cost home energy assessment. They evaluate your insulation, air sealing, and heating system to determine the best heat pump setup.
NuWatt provides a detailed proposal with system sizing (Manual J), equipment selection, and a breakdown of all rebates and incentives you qualify for.
We submit your Mass Save rebate application and set up your 0% HEAT Loan. For income-eligible households, we coordinate with Mass Save to maximize your coverage.
Professional installation of your cold-climate heat pump system. 1-3 days for most homes. After Mass Save inspection, your rebates are processed and your system is fully operational.
The federal Section 25C energy efficiency tax credit expired December 31, 2025. There is no federal tax credit for heat pump purchases in 2026. Mass Save rebates (state-funded, up to $9,500 with bonuses) are available now and do not require tax liability. The 0% HEAT Loan provides additional financing.
Yes, for qualifying low-income households. Mass Save rebates (up to $8,500) plus bonuses ($1,000) provide up to $9,500 now. Additionally, Mass Save has a separate income-eligible program for households at or below 60% AMI that can provide systems at no cost. The 0% HEAT Loan covers up to $25,000 of remaining costs for 7 years.
Mass Save income-eligible programs use Area Median Income (AMI) thresholds to determine enhanced coverage. For a family of 4 in the Boston metro area, 80% AMI is approximately $89,650/year (2026 thresholds). Households at or below 60% AMI may qualify for no-cost installations. All income levels qualify for standard Mass Save rebates.
AMI (Area Median Income) is used by Mass Save income-eligible programs to determine enhanced coverage. It varies by metro area. SMI (State Median Income) is used by the HEAT Loan program to determine your loan term length. Below 135% SMI gets the longest term (7 years). They are different metrics with different thresholds, and both work in your favor for income-eligible programs.
The HEAT Loan covers whatever net cost remains after all rebates are applied. At 0% interest with up to $25,000 available, your monthly payment is simply the net cost divided by the number of months. For income-eligible households with enhanced Mass Save coverage, the remaining balance may be very low, meaning minimal financing is needed.
Mass Save offers up to $8,500 in rebates for whole-home heat pump systems, plus up to $1,000 in bonuses ($500 sizing + $500 weatherization) for a total of $9,500. Income-eligible households at or below 60% AMI may qualify for no-cost installations through the Mass Save income-eligible program. The 0% HEAT Loan covers remaining costs up to $25,000.
Mass Save operates a separate income-eligible program for households at or below 60% of AMI. This program can provide heat pump installation, insulation, and air sealing at no cost to the homeowner -- covering 100% of equipment and labor. This program is administered through Community Action Agencies (CAAs) and Mass Save directly. Contact NuWatt or Mass Save to check eligibility.
No. The federal Section 25C energy efficiency tax credit expired on December 31, 2025. There is no federal tax credit for residential heat pump purchases in 2026. Mass Save rebates (state-funded, up to $9,500 with bonuses) are available now and do not require tax liability to benefit from. The 0% HEAT Loan provides additional financing at zero interest.
The income verification process typically takes 1-2 weeks. Once verified, the full process from consultation to operational heat pump takes 4-8 weeks. NuWatt handles all paperwork including Mass Save applications and HEAT Loan setup. The total timeline from first call to warm home is typically 6-10 weeks.
NuWatt helps income-eligible Massachusetts households access the full stack of rebates and incentives. We handle the paperwork, coordinate with Mass Save, and set up your 0% HEAT Loan. Your heat pump could cost little to nothing.
Free assessment. Income verification is confidential. Serving all of Massachusetts.