Income-eligible heat pump rebates and the 0% HEAT Loan
Mass Save pays up to $16,000 for an air source heat pump if your household income qualifies, or up to no cost through turnkey. The HEAT Loan covers the rest at 0%.
- Checked: November 2026
At a glance. Standard whole-home rebate in 2026: up to $8,500. Income-based: up to $16,000, or up to no cost through turnkey services. HEAT Loan: 0%, up to $25,000. Enhanced equipment must be purchased and installed by December 31, 2026.
The numbers
| Standard | Income-based enhanced | |
|---|---|---|
| Average whole-home installation cost | $22,000 | $22,000 |
| Mass Save rebate (whole-home) | $8,500 | $16,000 |
| Net project cost | $13,500 | $6,000 |
Income limits, 2026-2027 heating season
| People | Income Eligible | Enhanced Incentive |
|---|---|---|
| 1 | Up to $53,585 | $53,586 to $71,447 |
| 2 | Up to $70,073 | $70,074 to $93,431 |
| 3 | Up to $86,561 | $86,562 to $115,415 |
| 4 | Up to $103,049 | $103,050 to $137,399 |
| 5 | Up to $119,536 | $119,537 to $159,382 |
| 6 | Up to $136,024 | $136,025 to $181,366 |
What you need to do
- Verify income online, or by phone at 1-888-714-3990.
- Weatherize first. All weatherization recommended in your Home Energy Assessment must be completed before you apply for the enhanced rebate. For income-verified customers that work is available at no cost. Call 866-527-7283 to book the assessment.
- Use a network installer. The contractor must be in the Mass Save Heat Pump Installer Network.
- Install by December 31, 2026 and get the form to Mass Save by February 28, 2027.
The existing heat must be oil, propane or electric resistance. The whole-home rebate needs an individually metered 1 to 4 unit building or townhouse, and a signed Whole-Home Heat Pump Verification Form. The rebate cannot exceed the installation cost, with a limit of one per account.
Panel upgrades and old wiring
Mass Save says that if the home needs an electrical panel upgrade to support the new equipment, or health and safety updates before weatherization, up to 100% of the cost may be covered. Eversource lists up-front incentives of up to $7,000 for barrier removal such as knob and tube wiring and vermiculite. See panel upgrades, knob and tube wiring and Mass Save and old wiring.
The HEAT Loan
The Mass Save sponsors offer 0% financing HEAT Loans for energy efficiency upgrades. Mass Save says you could qualify for a loan up to $25,000 toward qualified home improvements. The applicant has to be the homeowner, and the work must be done by a participating contractor. A Home Energy Assessment is mandatory if the loan covers a whole-home heat pump, weatherization or windows. Municipal electric customers can use the HEAT Loan if the home is heated with gas from a Mass Save sponsor. A town light plant has its own loan options: Reading's RMLD, for example, lists a 0% loan with a $10,000 minimum and $40,000 maximum, and Belmont Light's page points to the state's MLP Z-Loan, a 0% program for residents who are ineligible for Mass Save. See the light plant guide.
Common questions
How much is the income-based Mass Save heat pump rebate?
Up to $16,000 for air source heat pumps, or up to no cost through Mass Save's turnkey services. Ground source whole-home and partial-home heat pumps are listed at up to $25,000. Mass Save's own example: a $22,000 whole-home job with a $16,000 rebate leaves $6,000.
What is the income limit for enhanced Mass Save incentives?
It depends on household size. For the 2026-2027 heating season, Mass Save lists a household of four at up to $103,049 for the Income Eligible program, and $103,050 to $137,399 for the Enhanced Incentive. Mass Save updates the table each season and shows limits for your area when you enter your ZIP code.
What does the enhanced rebate require?
The existing heat must be oil, propane or electric resistance. All weatherization recommended in your Home Energy Assessment must be completed first, and for income-verified customers that weatherization is available at no cost. The installer must be in the Heat Pump Installer Network, and equipment must be purchased and installed by December 31, 2026.
What is the Mass Save HEAT Loan?
A 0% financing loan from the Mass Save sponsors. You could qualify for a loan up to $25,000 toward qualified home improvements, including heat pumps.
Can the program pay for a panel upgrade?
Mass Save says that if your home needs an electrical panel upgrade to support the new equipment, or health and safety updates before weatherization, up to 100% of the cost may be covered through its turnkey services for income-verified households.
Does it cover knob-and-tube wiring?
Eversource lists up-front barrier mitigation incentives of up to $7,000 for removing knob and tube wiring and vermiculite before insulation. See our knob-and-tube pages for how that works.
Do renters and landlords qualify?
Mass Save limits the whole-home enhanced rebate to individually metered 1 to 4 unit buildings or townhouses, and the income table applies to residents of 1 to 4 unit homes. Call Mass Save at 1-888-714-3990 to verify income by phone.
We help with rebate paperwork. Mass Save sets the amounts and decides eligibility. Call (781) 210-8400 or send two photos and your town.
See what you qualify for.
Send two photos and your town. We look at them and get back to you with a price. Or call (781) 210-8400.
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