Massachusetts is one of the most rebate-friendly states in the country. MassSave, Mass CEC, and the $25,000 HEAT Loan combine to make electrification projects surprisingly affordable: whole-home heat pump rebates up to $8,500 and 75-100% coverage of insulation work.
You paid 14.5¢ per kilowatt-hour in 2010. Today you pay 33¢. The rebates on this page exist because nobody, including your utility, expects that line to flatten out.
A 3-ton ducted heat pump (R-32, cold-climate certified) qualifies for the MassSave whole-home rebate at $2,650 per ton: $7,950 stacked toward your project. The Manual J sizing bonus adds $500 when the installer sizes to 90-120% of design heat load, and the new New England Heat Pump Accelerator contributes $650 more in 2026. The 0% APR HEAT Loan finances the install over seven years, so most MassSave projects move forward with no money down on day one.
See the programs that make this stackEach one has its own deep-dive page with eligibility rules, rebate amounts, worked examples, timelines, and FAQs.
MassSave is the Commonwealth's umbrella energy-efficiency program, administered jointly by the state's utilities, Eversource, National Grid, Berkshire Gas, Cape Light Compact, Liberty, and Unitil. For 2026, the heat pump rebate structure was adjusted: whole-home rebates are now …
See every rebate you qualify for, stacked for your exact address. Free, no obligation, sixty seconds.
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