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Up to 75% Off -- Zone 5-6 Climate Requirements
New Hampshire's cold climate (6,200-7,800 heating degree days) makes insulation one of the highest-impact home improvements. NHSaves covers 75% of the cost -- up to $8,000 per project -- after an HPwES assessment.
Updated February 2026
Up to $8,000 per project
Most homeowners pay just 25% of insulation cost after rebate, up to $8,000 per project
Requirement: Must complete HPwES assessment first. Available to all NH utility customers.
Fully covered -- $0 out of pocket
Fully covered — $0 out of pocket for qualifying households
Requirement: Household income at or below 200% Federal Poverty Level (FPL) or on utility discount rate.
What each measure costs before and after the NHSaves 75% rebate. Income-eligible households pay $0 for all measures.
Blown-in fiberglass or cellulose. NH Zone 5-6 homes need R-49+ in the attic — many older homes have R-11 or less.
Target: R-49 to R-60
Dense-pack cellulose through small drill holes. Many older NH homes (pre-1970) have zero wall insulation — massive heat loss.
Target: R-13 to R-15
Rim joist spray foam plus wall or ceiling insulation. Eliminates cold floors above unheated basements — critical in NH winters.
Target: R-15 to R-25
Seal air leaks identified during blower door test — attic bypasses, recessed lights, plumbing stacks, electrical penetrations.
Target: N/A (CFM50 reduction)
Seal leaky duct joints with mastic. Insulate exposed ducts in unconditioned spaces. Improves HVAC efficiency 20-30%.
Target: R-8 duct insulation
Reduces drafts, cold spots, and ice dams. Evens out temperatures between floors. Quieter home. Critical for NH cold climate.
NH has 6,200-7,800 heating degree days depending on location — insulation is critical. Homes in the White Mountains and North Country face extreme cold (-20F or below).
The NHSaves 75% insulation rebate (up to $8,000) is a direct utility rebate, not a tax credit. It remains fully available and unaffected by the federal expiration.
NHSaves covers 75% of the cost of insulation and air sealing for all standard-eligible customers, up to $8,000 per project. You pay just 25% of the total. Income-eligible households through Home Performance Direct may receive up to 100% coverage -- completely free insulation. The 75% rebate applies to attic insulation, wall insulation (dense-pack), basement/crawlspace insulation, air sealing, and duct sealing.
Yes. You must complete an HPwES (Home Performance with ENERGY STAR) assessment before you can receive any NHSaves insulation rebates. The assessment costs $100 as a copay ($0 for income-eligible). It identifies exactly what insulation work your home needs and determines your specific rebate amounts. The assessment report is valid for 1 year.
New Hampshire spans Climate Zones 5 (southern) and 6 (northern/White Mountains). Both zones recommend R-49 to R-60 in the attic. Many older NH homes have R-11 or less in the attic -- a massive energy loss point. The NHSaves assessment will measure your current R-values and recommend the specific insulation depth needed.
Attic insulation typically costs $1,200-$3,500 before rebates. With the 75% NHSaves rebate, your out-of-pocket cost drops to $300-$875. Income-eligible households may pay $0. This is for blown-in fiberglass or cellulose insulation brought up to R-49 or R-60 depending on your zone.
Dense-pack cellulose wall insulation is one of the most impactful upgrades for older NH homes. Many pre-1970 homes have zero wall insulation. Cost is typically $2,000-$6,000 before rebates, dropping to $500-$1,500 after the 75% NHSaves rebate. The contractor drills small holes (about 2.5 inches) from the exterior, dense-packs cellulose, and patches the holes. The result is dramatic -- warmer walls, fewer drafts, and lower heating bills.
NH homes commonly have: Colonial and Cape Cod homes with completely uninsulated knee walls; old New England farmhouses with balloon-frame construction that creates air leaks from basement to attic; stone or rubble foundation basements requiring moisture management before insulation; post-and-beam construction with complex insulation geometry; and ice dam problems caused by attic air leakage and inadequate insulation.
No. The Section 25C energy efficiency tax credit expired December 31, 2025. There is no federal tax credit for insulation in 2026. The NHSaves 75% rebate (up to $8,000) is your primary incentive. This is a direct rebate, not a tax credit, and is unaffected by the federal expiration.
Attic insulation typically takes 1 day. Wall insulation (dense-pack) takes 1-2 days depending on home size. A full weatherization project (attic + walls + basement + air sealing) may take 2-4 days. The contractor schedules work after your HPwES assessment identifies the recommended measures.
NuWatt Energy is an energy advisor serving New Hampshire homeowners. This guide is provided as an educational resource. Rebate amounts and requirements are sourced from nhsaves.com. Verify current availability at 603-229-2727.
$100 copay, 4-6 hours. Required before insulation rebates.
Free insulation through Home Performance Direct.
Complete overview of all NHSaves programs.
Pair insulation with heat pumps for maximum savings.
Zone 5-6 rated models for NH winters.
Insulate first, then convert — full economics guide.
Start with a $100 HPwES assessment, then save up to $8,000 on insulation. Income-eligible? Everything is free.