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Complete guide

Replacing a furnace or boiler in Massachusetts

What to choose, what it costs, what help exists and the order to do it in. Every number is sourced and dated.

  • Last checked: November 8, 2026
  • Every fact: sourced

Find your situation

A tidy stone-walled Massachusetts basement with a white wall-hung gas boiler and copper heating pipes

Last checked November 8, 2026

The short answer

Decide the fuel before the brand. Mass Save pays nothing toward a new gas, oil or propane furnace or boiler (income-eligible households excepted), but it pays $2,650 per ton, up to $8,500, for a whole-home heat pump installed by December 31, 2026, and less from January 1, 2027. On November 2026 prices a heat pump costs less to run than oil, propane or electric baseboard, and lands in the same range as gas (see the calculator below). Get the size from a load calculation and every permit named in writing. If the heat is out right now, start with the no-heat guide.

  • New gas, oil or propane unitNo rebateMass Save, except income-eligible households
  • Whole-home heat pump$2,650/tonup to $8,500, installed by Dec 31, 2026
  • From Jan 1, 2027$2,350/tonup to $7,500
  • Federal 25C creditEndedimprovements through Dec 31, 2025

Which situation are you in?

Pick the closest one. Each card goes straight to the part of the guide that answers it.

What it costs

Nobody publishes one Massachusetts price list, so these are the published ranges that exist. They are national figures from a third-party cost site, not quotes and not Aurion prices. The heat pump line is the Massachusetts number from Mass Save.

WhatRangeWhat it coversSource
Furnace, any fuel$2,800 to $7,500average $4,800Materials and labor, nationalFixr, updated Jan 28, 2026
Gas furnace$3,800 to $10,000Installed, nationalFixr, updated Jan 28, 2026
Oil furnace$6,700 to $10,000Installed, nationalFixr, updated Jan 28, 2026
Boiler, any fuel$3,000 to $8,500average $6,100Most homeowners, nationalFixr, updated Jan 28, 2026
Gas boiler$4,000 to $10,000Installed, nationalFixr, updated Jan 28, 2026
Oil boiler$4,800 to $9,000Installed, nationalFixr, updated Jan 28, 2026
Whole-home heat pump$22,000 averageMassachusetts installs finished in 2022Mass Save
Heat pump rebate, 3 tonsup to $7,950 in 2026$7,050 from Jan 1, 2027Per ton, to the capMass Save, Nov 8, 2026

What moves the number: the fuel, the size, the venting, the number of heating zones and what is found when the old unit comes out. Permit fees are set by each town (see the permit cards). Oil and propane prices change weekly: see fuel prices below.

A gas furnace with a white PVC vent pipe and ductwork in a utility closet
A gas furnace with its vent pipe and ductwork. Ask any installer what happens to these, and to the old chimney, in the scope.

Compare ten years of heat cost

Type last year's fuel use. The calculator prices the same heat on every path using dated government prices. Add your own quotes to see the payback.

Ten-year cost calculator

What will ten years of heat cost?

Your fuel use sets how much heat the house needs. The calculator prices that heat on each path. No Aurion prices are used: the equipment cost is whatever your quotes say.

1Your home today

What heats the home now?
gal

Add up 12 months of delivery tickets, or ask your supplier for last season's total.

% AFUE

The federal minimum for a gas furnace made since 2015 is 80% (10 CFR 430.32), and older units can run lower. Use the AFUE on your unit's label if you know it.

2The options

Heat pump efficiency over a season (COP)

Your own assumption. We found no published figure for Massachusetts homes.

Prices from your quotes optional, after any rebate
Energy prices used dated, edit to match your bill

DOER survey, November 2, 2026

DOER survey, November 2, 2026

EIA, August 2026, $32.10 per 1,000 cubic feet, shown per therm

EIA, August 2026, 30.48 cents per kWh

No sourced forecast exists, so 0 keeps today's prices.

Type last year's fuel use above to see ten years of cost for each option.

Prices read November 6, 2026: oil and propane from the DOER weekly survey of November 2, 2026, gas and electricity from EIA's August 2026 Massachusetts figures. Efficiencies from ENERGY STAR and DOE. An estimate for comparing options, not a quote. Your real bill depends on your rate plan, the weather and the house.

The steps, in order, with the dates that matter

Today is November 8, 2026. A heat pump installed by December 31, 2026 earns the higher rebate, so the order below is built backward from that date.

  1. 1This weekPick the pathGas, oil, propane, whole-home heat pump or hybrid. Run the ten-year numbers above with last year's fuel use.
  2. 2Before you signGet the load and two or three written quotesA Manual J calculation sets the size, not square feet. Quotes need the same scope. Use the checklist and scorecard.
  3. 3At signingPut the dates and the paperwork in writingModel numbers, permits and who pulls them, a payment schedule with a deposit no larger than one-third on a home improvement contract, and an install date before December 31, 2026 if you want the 2026 rebate.
  4. 4InstallPermits, install, inspectionLicensed trades pull the permits and meet the inspector. See which permits a swap needs.
  5. 5By Dec 31, 2026Last install day at the 2026 heat pump rate$2,650 per ton up to $8,500. From January 1, 2027 it is $2,350 per ton up to $7,500.
  6. 6By Feb 28, 2027Rebate form and documents reach Mass SaveFor 2026 installs. Ask who files it before you sign.

Until the 2026 rate ends

Install by December 31, 2026 to get the 2026 rate.

Last install day: December 31, 2026

A white heat pump outdoor unit on a stand beside a clapboard house after a snowfall
A heat pump outdoor unit after a snowfall. Cold-climate units are built to run in Massachusetts winters: check that the model is on the Mass Save list before you buy.

Rebates and credits, with the dates that matter

Each line was read on the program's own page. Amounts and dates change, so confirm with the program before you plan around them.

ProgramPaysStatusDate that mattersSource
Mass Save, new gas, oil or propane furnace or boilerRebates and financing for fossil equipment are discontinuedNoneNot availableIncome-eligible households are the exceptionMass Save
Mass Save, whole-home heat pumpSole heat and cooling source for the spaces served$2,650 per ton, up to $8,500Open for 2026Install by Dec 31, 2026; form received by Feb 28, 2027Mass Save
Mass Save, whole-home heat pump, 2027 rate$2,350 per ton, up to $7,500From Jan 1, 2027Installed on or after Jan 1, 2027Mass Save
Mass Save, partial-home (hybrid)$1,125 per ton to $8,500 in 2026; $1,000 per ton to $7,500 from Jan 1, 2027Open for 2026Same dates as whole-homeMass Save
Mass Save HEAT LoanHeat pumps and weatherization, not a new furnace or boiler0% financing up to $25,000OpenNo end date listed on the program pageMass Save
Income-eligible heating helpMass Save Income Eligible Program and state HEARTWAPHeating system, or enhanced heat pump incentives up to $16,000 or no costBy incomeCheck the income tableOur rebates guide
Federal 25C home improvement creditNone for 2026EndedImprovements made through Dec 31, 2025IRS

Rebate lines last read on the programs' pages November 8, 2026 (Mass Save, IRS). Full conditions and the income table are in rebates and financing.

Ten questions to ask any installer

Ask every contractor the same ten, and write the answers next to each quote. Print it and bring it to the visit.

Show the ten questionsHide
  • Will you run a Manual J heating-load calculation, and can I have a copy?A quote with no load calculation, or one that sizes by square feet, is a red flag.
  • What are the exact make, model and efficiency?For a furnace or boiler, the model and its AFUE. For a heat pump, indoor and outdoor model numbers.
  • What is in the scope?Removal of the old unit, venting or chimney work, gas or oil line, tank, ducts or piping, thermostat, condensate and electrical.
  • Which permits are needed, and who pulls them?Gas, oil burner, sheet metal and electrical permits are separate. Ask for the permit numbers afterward.
  • What are the licence numbers?Look each one up on the state lookup. A company name is not a licence.
  • If I want a heat pump rebate, are you in the Mass Save Heat Pump Installer Network, and who files the form?The 2026 rate needs the install by Dec 31, 2026 and the form received by Feb 28, 2027.
  • What are the start and finish dates, in writing?Include the install date if you are racing the December 31 rebate cutoff.
  • What is the payment schedule in dollars?On a home improvement contract the deposit cannot be more than one-third of the price.
  • What is the warranty, and who stands behind the labor?Ask for it attached to the contract.
  • What happens to the old unit, and to an oil tank if there is one?An unused tank has its own permit and measurement rule.

From the Aurion guide at aurionelectric.com, last checked November 8, 2026.

Full detail on each question, with a scorecard and the licence lookups, is in sizing and the quote checklist.

The six deep dives

Jump to the one you need. Every number is checked against the program's or agency's own page, with the link beside it.

Fuel prices on one page

What it costs to put 100,000 BTU of heat into the house after the equipment's efficiency, from the DOER price for oil and propane (November 2, 2026) and EIA's August 2026 gas and electricity prices. The full table, with the ten-year calculator, is in the comparison guide.

Cost per 100,000 BTU of heat delivered

Lower is cheaper to run. Heat pump rows show the range the federal sources support.

Heat pump, COP 3.0ENERGY STAR "up to three times"
$2.98
Gas furnace, 97%ENERGY STAR, northern U.S.
$3.20
Heat pump, COP 2.0DOE "50%" less than resistance
$4.47
Propane boiler, 90%gas-boiler rating applied to propane
$4.86
Oil boiler, 87%ENERGY STAR
$5.12
Electric resistancebaseboard or electric furnace
$8.93
Our arithmetic on published prices: oil $6.17 and propane $4.00 per gallon (DOER); gas $32.10 per 1,000 cubic feet and electricity 30.48 cents per kWh, August 2026 (EIA gas, EIA electricity); heat content from EIA; efficiencies from ENERGY STAR and DOE. Gas uses a summer-month price. Checked November 6, 2026.

Numbers worth knowing

Nine numbers on one card: the rebates, the loan, the federal minimums, the landlord heat rule, the deposit cap and the oil-leak line, each with its source.

Show the nine numbersHide
WhatThe numberSource
Mass Save rebate, new gas, oil or propane unitNone, except income-eligibleMass Save
Whole-home heat pump rebate$2,650/ton to $8,500 in 2026; $2,350/ton to $7,500 from Jan 1, 2027Mass Save
Partial-home (hybrid) rebate$1,125/ton to $8,500 in 2026Mass Save
HEAT Loan0% up to $25,000, heat pumps not fossil unitsMass Save
Federal 25C creditImprovements made through Dec 31, 2025IRS
Average whole-home heat pump install$22,000 (2022 program data)Mass Save
Federal gas furnace minimum80% AFUE now; 95% for units made from Dec 18, 202810 CFR 430.32
Landlord minimum heat68 F, 7 am to 11 pm; 64 F overnight105 CMR 410.180
Deposit cap, home improvement contractOne-third of the priceMass.gov
Oil leak, 24-hour line1-888-304-1133MassDEP

Your town

Every guide above applies statewide. For your own utility, rebate and permit office, use the 23 town rebate guides and the permit office cards. Towns with their own light plant, such as Belmont, Reading, Wakefield, Peabody and Danvers, are in the light plant guide.

More on Aurion

Where Aurion takes the project

Aurion takes the project from your first photos to the finished job: the written quote, the permits, the rebate paperwork and the install. Licensed Massachusetts technicians do the licensed work. Send a photo of the old unit and one of your panel, with your town, and we look at them and get back to you with a price.

A grey clapboard Massachusetts colonial at dusk in winter with warm lit windows and a heat pump unit on the side wall

Common questions

How much does it cost to replace a furnace or boiler in Massachusetts?

Published figures are national, not Massachusetts quotes. Fixr lists furnace replacement at $2,800 to $7,500 (average $4,800) and a new boiler at $3,000 to $8,500 (average $6,100, page updated January 28, 2026), with oil and gas units at the higher end. The one Massachusetts number is Mass Save's average whole-home heat pump installation cost of $22,000 (program data for installs finished in 2022). Aurion does not publish its own price list: send two photos and we price your house. Compare two or three written quotes with the same scope, using the quote checklist.

Does Mass Save pay for a new gas or oil furnace or boiler?

No, except for income-eligible households. Mass Save says rebates, incentives and financing for gas, oil and propane equipment are no longer available. It does pay for heat pumps: $2,650 per ton up to $8,500 for whole-home installs in 2026.

Is it cheaper to heat with gas, oil or a heat pump in Massachusetts?

On DOER and EIA prices read November 6, 2026, delivering 100,000 BTU of heat costs about $3.20 with a 97% gas furnace, $5.12 with an 87% oil boiler, and $2.98 to $4.47 with a heat pump, based on its real-world efficiency. Run your own numbers in the comparison calculator.

What questions should I ask a furnace or boiler installer?

Ask for the Manual J load calculation, the exact model and efficiency, the full scope including removal and venting, which permits are pulled and by whom, licence numbers, start and finish dates in writing, the payment schedule and the warranty. The printable checklist on this page has all ten, and the sizing and quote checklist guide has a scorecard for comparing quotes.

When is the best time to replace a heating system?

Before the heat fails, and before the heat pump rebate drops. A whole-home heat pump installed in 2026 earns $2,650 per ton, and one installed on or after January 1, 2027 earns $2,350 per ton.

Do I need a permit to replace a furnace or boiler?

Usually several: a gas fitting permit from the local plumbing inspector, a fire department Form 1 for an oil burner, a sheet metal permit for new ducts and an electrical permit for new wiring. Licensed tradespeople pull them. See the permits guide for a permit office card for 23 towns.

What do I do if my heat goes out tonight?

If you smell gas or a carbon monoxide alarm sounds, leave and call 911 or the fire department. Otherwise move into one room, use a space heater plugged directly into the wall, never an oven, grill or generator, and call your supplier or landlord. Tenants are entitled to 68 degrees by day and 64 at night from September 15 to May 31.

How big a furnace or boiler do I need?

The answer comes from a Manual J heating-load calculation, not square feet. DOE says oversizing is common when contractors use rules of thumb, and ACCA Manual S recommends keeping a furnace within 140% of the peak heating load.

What should a furnace or boiler quote include?

The load calculation, equipment model and efficiency, full scope including removal and venting, the permits and who pulls them, licence numbers, start and finish dates, a payment schedule with a deposit no larger than one-third on a home improvement contract, and the warranty terms. The sizing and quote checklist guide has a scorecard you can copy.

What happens to my oil tank when I switch to a heat pump?

An unused underground tank needs a fire department permit to remove, with a contamination measurement within 24 hours, or approval to close it in place. Above-ground tanks follow the oil burner permit rules. Ask your oil company for credit on usable fuel.

Is there a federal tax credit for a new furnace, boiler or heat pump?

Not for 2026. The IRS says the Energy Efficient Home Improvement Credit applies to improvements made through December 31, 2025.

Is there help if I cannot afford a replacement?

Income-eligible households can get help through Mass Save's Income Eligible Program, which includes heating systems, enhanced heat pump incentives of up to $16,000 or no cost, and the state HEARTWAP emergency repair and replacement program. See rebates and financing for the income table.

Questions? Call (781) 210-8400 or send two photos and your town.

Old boiler or furnace?

Send a photo of it and one of your panel, with your town. We look at them and get back to you with a price.

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