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MA · Massachusetts

Your utility offers extras on top of MassSave.

MassSave covers the state-side stack, heat pump rebates, weatherization, the HEAT Loan. But the three Massachusetts investor-owned utilities, Eversource, National Grid, and Unitil, each layer their own programs on top: discounted electric rates, battery dispatch payments, net-metering credits, and demand-response cash. Most homeowners never hear about these from anyone except their installer. Here's what each one offers, in 2026.

MA · Utilities
A late-day Massachusetts neighborhood with utility lines visible against the sky: colonial or triple-decker homes in soft amber light, transmission and distribution wires running between poles
~$0.28/kWh
Avg residential electric rate
$1,200–$3,750
5-yr ConnectedSolutions cash, single Powerwall
$25,000 @ 0%
HEAT Loan cap · 7-year term
The one most homeowners miss

Eversource's seasonal heat pump rate discounts every kWh you use, Nov through April, not just heating load.

Launched November 2025, the optional R-1HP and R-2HP rates apply the discounted winter price to all household electricity for heat pump customers: lights, fridge, dishwasher, EV charging, the whole bill. Enrollment is opt-in through the Eversource customer portal after install. National Grid does not yet have an equivalent; Unitil's tariff schedule is published but lower-volume.

Coverage at a glance

Who offers what.

A read across the state. Each cell shows the program count by category. The ★ marks utilities with a flagship or unique program in that category, the ones worth a closer look.

Utility Heat pumpsSolarStorageInsulationWindows
Eversource Massachusetts3★31★1
National Grid Massachusetts32★11
Unitil2221
Utility · 1 of 3

Eversource Massachusetts

Eversource is the largest electric IOU in Massachusetts, serving roughly 1.4 million customers across central and eastern MA, including Boston suburbs and the South Shore. As of November 2025, Eversource is also the only MA utility with a heat-pump-specific seasonal tariff.

Heat pumps · 3 programs
Optional Heat Pump Seasonal Rates (R-1HP, R-2HP)Flagship
~10–25% off winter kWh
Effective Nov 1, 2025. The lower (winter) rate applies to all household electricity Nov 1 – Apr 30 for heat pump customers. R-2HP is the low-income variant. Existing R-3 (electric resistance) and R-4 (low-income electric resistance) tariffs remain unchanged for non-heat-pump electric heat. Enroll via Eversource customer portal after heat pump install.
Official tariff page →
Mass Save Whole-Home Heat Pump Rebate
$2,650/ton · max $8,500
Statewide MassSave program; Eversource is one of three administering utilities. Requires weatherized home (built post-2000 OR weatherization completed OR less than $1,000 in work remaining). Equipment must be ENERGY STAR Cold Climate certified, on the Mass Save QPL, and use R-32 or R-454B refrigerant (R-410A no longer eligible Jan 1, 2026). Available to Eversource, National Grid, and Unitil customers.
MassSave program page →
HEAT Loan
0% APR · $25,000 cap
Zero-interest financing up to $25,000 over a 7-year (84-month) term. No fees, no prepayment penalty. Available to all MassSave participating utility customers. Common pairing: finance whatever remains on a heat pump install after rebates, with no money down on day one.
HEAT Loan guide →
Solar · 3 programs
Net Metering, Class I (≤25 kW)
~$0.2836/kWh · 1:1 retail
Full retail-rate credit for excess solar exported to the grid. Excess credits roll month-to-month indefinitely; no annual true-up cash-out for residential. The credit value tracks Eversource's retail rate, currently around $0.2836/kWh.
Eversource net-metering page →
SMART 3.0 Production Payments
$0.03/kWh base · 20-yr lock
Flat $0.03/kWh production payment for residential systems ≤25 kW, locked for 20 years from enrollment. Adders stack on top: storage +$0.04/kWh, low-income +$0.05/kWh, canopy +$0.08/kWh. Payments arrive monthly as a bill credit or check.
Mass.gov SMART 3.0 program details →
Time-of-Use (TOU) Rate
Optional · enroll any time
Optional residential TOU rate with off-peak hours overnight. Useful for solar-plus-storage homes that can shift consumption to off-peak windows. Detailed schedule on Eversource's rate-tariff page.
Eversource rate tariffs →
Energy storage · 1 program
ConnectedSolutions Battery Demand ResponseFlagship
~$275/kW · 5-yr lock
Summer event payment of approximately $275/kW (some recent docs cite $225/kW; verify with utility at enrollment). 5-year incentive lock. Up to ~60 events/season, June 1 – Sept 30, 3-hour events. Annual payout typical: $900-$1,375 for a single Powerwall (~5 kW avg discharge). Payout in November.
Eversource battery DR program →
Insulation & weatherization · 1 program
Mass Save Insulation & Air Sealing
75–100% covered
MassSave covers up to 75–100% of insulation and air-sealing costs depending on income tier (no-cost for income-eligible households). Pre-weatherization barrier removal (knob-and-tube wiring, mold remediation) is often covered separately. Required prerequisite for the Whole-Home heat pump rebate.
MassSave insulation page →
Windows & doors · no utility rebate
No utility rebate available
Eversource does not offer a windows/doors rebate. The federal 25C credit (up to $600/year for windows) expired Dec 31, 2025 with no utility replacement program. MassSave offers free programmable thermostats only; windows and doors fall outside the program. Inherent ROI (utility savings, comfort, resale value) is the case for the upgrade.
Utility · 2 of 3

National Grid Massachusetts

National Grid serves roughly 1.3 million electric customers across central and western Massachusetts, including Worcester, Springfield, and the South Coast. National Grid's MA retail rate generally runs higher than Eversource, which makes solar net metering more lucrative on this side of the state.

Heat pumps · 2 programs
Mass Save Whole-Home Heat Pump Rebate
$2,650/ton · max $8,500
Same statewide program · identical to Eversource's offering.
MassSave program page →
HEAT Loan
0% APR · $25,000 cap
Same statewide MassSave HEAT Loan.
HEAT Loan guide →
Heat pump seasonal rate
Not yet offered
National Grid MA does not yet have an equivalent to Eversource's R-1HP/R-2HP seasonal tariff (as of May 2026). NGrid customers should check the NGrid MA rate page periodically; equivalent tariffs are often filed within 12-18 months of a peer utility's launch.
NGrid MA rate tariffs →
Solar · 2 programs
Net Metering, Class I (≤25 kW)Best in MA
~$0.32/kWh · 1:1 retail
Full retail-rate credit. NGrid's MA retail rate runs roughly $0.32/kWh, meaningfully higher than Eversource, which means each kWh of net-metering credit is worth more on this side of the state. Annual true-up in March; remaining credits paid out at the avoided-cost wholesale rate.
NGrid MA net metering →
SMART 3.0 Production Payments
$0.03/kWh base · 20-yr lock
Same statewide schedule · administered by National Grid in this territory.
SMART 3.0 program details →
Energy storage · 1 program
ConnectedSolutions Battery Demand Response
~$275/kW · 5-yr lock
Same statewide MA program: ~$275/kW summer performance, 5-year lock, $1,200-$3,750 cumulative over 5 years for a single Powerwall. Enroll through NGrid's customer portal after battery commissioning.
NGrid ConnectedSolutions battery →
Insulation & weatherization · 1 program
Mass Save Insulation & Air Sealing
75–100% covered
Same statewide MassSave program.
MassSave insulation page →
Windows & doors · no utility rebate
No utility rebate available
National Grid does not offer a windows/doors rebate. Federal 25C credit expired Dec 31, 2025; no utility replacement.
Utility · 3 of 3

Unitil (Fitchburg area)

Unitil serves a smaller territory in north-central Massachusetts including Fitchburg, Lunenburg, Townsend, and Ashby, about 30,000 customers. Most state-side rebates flow through MassSave at the same terms as the larger IOUs, with one important exception: heat pump rebate amounts are slightly lower per ton.

Heat pumps · 2 programs
Mass Save Air Source Heat Pump Rebate (Unitil)
$2,000/ton
Unitil's MassSave heat pump rebate runs $2,000 per ton, meaningfully lower than the $2,650/ton offered to Eversource and NGrid customers. Always verify current Unitil-specific schedule before quoting.
Unitil ASHP rebate page →
HEAT Loan
0% APR · $25,000 cap
Same statewide MassSave HEAT Loan available to Unitil customers.
HEAT Loan guide →
Solar · 2 programs
Net Metering, Class I (≤25 kW)
1:1 retail · MA framework
Same statewide MA Class I 1:1 retail framework.
SMART 3.0 program details →
SMART 3.0 Production Payments
$0.03/kWh base · 20-yr lock
Same statewide schedule · administered by Unitil in this territory.
SMART 3.0 program details →
Energy storage · 2 programs
ConnectedSolutions Wi-Fi Thermostat Program
$50 enroll + $20/yr
Confirmed Unitil-specific program: $50 enrollment incentive + $20/year per enrolled smart thermostat. Different from the battery program but worth flagging for sales agents.
Unitil ConnectedSolutions thermostat →
ConnectedSolutions Battery Program
~$275/kW summer (verify)
Available statewide via MassSave at approximately $275/kW summer; Unitil-specific enrollment portal not publicly indexed; confirm enrollment path with Unitil customer service before quoting.
[NEEDS RESEARCH, Unitil-specific battery enrollment URL not found in public-facing docs]
Insulation & weatherization · 1 program
Mass Save Insulation & Air Sealing
75–100% covered
Same statewide MassSave program as Eversource and NGrid territory.
MassSave insulation page →
Windows & doors · no utility rebate
No utility rebate available
Unitil does not offer a windows/doors rebate. Federal 25C credit expired Dec 31, 2025; no utility replacement.
A wide horizontal shot of a Massachusetts neighborhood at the time of day when utility load peaks: late afternoon to early evening, lights just coming on inside houses, multiple homes visible with subtle utility infrastructure

Eversource and National Grid serve roughly 99% of Massachusetts homes; Unitil covers the Fitchburg–Leominster pocket.

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