Massachusetts Heat Pump Rebates 2026: Mass Save Amounts and How to Apply

Quick answer

In 2026, Mass Save pays $2,650 per ton (up to $8,500) when heat pumps become your home’s only heating and cooling system, and $1,125 per ton (up to $8,500) when they work alongside an existing system. Moderate-income households can get up to $16,000, and income-eligible households can get a heat pump installed at up to no cost. Add a 0% HEAT Loan of up to $25,000, and Massachusetts remains one of the best states in the country to install a heat pump, even with the federal tax credit gone.

Deadline note: Mass Save’s rebates were already cut for 2026 and are expected to drop again on January 1, 2027. If you’re planning a whole-home system, installing by December 31, 2026 may be worth up to about $1,000.

Amounts checked against masssave.com on November 1, 2026.

2026 Mass Save heat pump rebates at a glance

Rebate	Amount (2026)	Who it’s for
Whole-home air-source heat pump	$2,650 per ton, up to $8,500	Heat pumps are the sole source of heating and cooling
Partial-home air-source heat pump	$1,125 per ton, up to $8,500	Heat pumps alongside an existing heating system
Partial-home bonuses	$500 weatherization bonus; $500 sizing bonus	Partial-home installs that meet the conditions
Basic heat pump rebate	$250 per ton, up to $2,500	Replacing an existing heat pump, adding heat where none exists, or cooling-only use
Enhanced (moderate income)	Up to $16,000 per home	Income-qualified households
Enhanced (income-eligible)	Up to no cost via turnkey services	Lower-income households
Ground-source (geothermal)	Up to about $13,500; enhanced up to $25,000	Whole-home geothermal
Heat pump water heater	$750	ENERGY STAR heat pump water heaters
HEAT Loan	0% interest, up to $25,000, up to 7 years	Qualifying heat pump and efficiency projects

Source: Mass Save air-source heat pump rebates and Mass Save enhanced rebates. Mass Save serves customers of Eversource, National Grid, Unitil, Berkshire Gas, Liberty and Cape Light Compact. Municipal light plant towns run separate programs (see below).

Whole-home, partial-home or basic: which tier fits you?

Mass Save calculates rebates by the tonnage of the heat pumps installed (1 ton = 12,000 BTU per hour of rated capacity), so a properly sized system decides your rebate.

Whole-home ($2,650 per ton, up to $8,500)

For homes where heat pumps become the sole source of heating and cooling. Your installer completes a whole-home verification form. In practice this means:

The heat pump system is sized to heat the whole home (a Manual J load calculation is required).
Your old fossil-fuel or electric-resistance heating is removed, disconnected or not used for primary heat, per the program’s verification rules.
The home is reasonably weatherized; a Mass Save Home Energy Assessment is the usual first step.

A 3-ton system qualifies for $7,950; systems of about 3.2 tons or more hit the $8,500 cap.

Partial-home ($1,125 per ton, up to $8,500, plus bonuses)

For heat pumps that work alongside your existing furnace or boiler. If oil, propane or gas heat remains, Mass Save requires an integrated control from its qualified list, so the system uses the heat pump first and the old system only as backup. Two $500 bonuses can apply:

Weatherization bonus: complete a Home Energy Assessment and the recommended weatherization within the program’s window (before or shortly after installation).
Sizing bonus: for equipment sized to meet a defined share of the home’s heating load.

Basic ($250 per ton, up to $2,500)

For replacing an existing heat pump with a new one, adding a heat pump where there’s no existing heating, or using a heat pump mainly for cooling.

Rules that apply to every tier

Qualified equipment only. The heat pump must be on the Mass Save Heat Pump Qualified Product List (MassSave.com/HPQPL).
No R-410A. Starting in 2026, heat pumps using R-410A refrigerant were removed from the list. Only lower-GWP refrigerants such as R-454B and R-32 qualify.
Use a participating installer. Mass Save keeps a list of heat pump installers; many will file the rebate for you.
Deadline to file. Submit your rebate within the program’s deadline after installation; for 2025 equipment, the deadline was February 28, 2026.

Income-based rebates: up to $16,000 or no cost

Mass Save offers much larger heat pump incentives to income-qualified households:

Program	Who qualifies (general)	Heat pump incentive
Enhanced incentives (moderate income)	Households roughly between 61% and 80% of state median income	Up to $16,000 for a whole-home air-source heat pump; up to $25,000 for ground-source
Income-eligible / turnkey services	Households at or below about 60% of state median income, or enrolled in programs like fuel assistance, SNAP or MassHealth	Air-source heat pumps at up to no cost, plus free weatherization

Income thresholds depend on household size and are updated yearly; check MassSave.com/Income for the current table before you apply.

How the federal HEAR rebate works in Massachusetts

Massachusetts was allocated about $72.8 million for the federal HEAR program and $73.2 million for HOMES. Instead of launching a separate HEAR application, the state’s Department of Energy Resources (DOER) has been integrating HEAR money into Mass Save’s existing income-based offerings (Mass DOER). In practice, there’s no standalone “$8,000 HEAR rebate” to apply for in Massachusetts; income-qualified households access the enhanced and no-cost Mass Save offers, which may be partly federally funded.

Two things to keep in mind:

Federal rules changed in 2026. DOE’s Program Notice 26-2 limits HEAR-funded rebates to electric-to-electric upgrades and new construction. Mass Save’s own state-funded rebates still support switching from oil, propane or gas to heat pumps, but how federally funded offers are structured may change. Ask your installer or Mass Save which offer applies to you.
One front door. For income-based offers, the usual starting point is a free Home Energy Assessment through Mass Save, where eligibility is checked.

Other Massachusetts incentives that stack

0% HEAT Loan

The Mass Save HEAT Loan offers 0% interest financing up to $25,000, with terms up to 7 years, through participating banks and credit unions. It can cover heat pumps, heat pump water heaters, insulation and other qualifying measures, and it stacks with rebates. Many homeowners pair the HEAT Loan with the whole-home rebate so the net cost becomes a manageable monthly payment.

Heat pump electric rates

Massachusetts utilities including Eversource and National Grid offer lower winter electricity rates for homes heated by heat pumps. The discount and eligibility rules vary by utility and rate class. Ask your utility to switch you once your system is installed; it can meaningfully cut winter bills.

Weatherization

Mass Save typically covers 75% of recommended insulation for most households, and up to 100% for income-eligible households, plus no-cost air sealing identified during the Home Energy Assessment. Weatherizing first also helps you qualify for the whole-home rebate or the partial-home weatherization bonus, and can let you buy a smaller heat pump.

Heat pump water heater

A $750 rebate on qualifying ENERGY STAR heat pump water heaters, which often fit alongside a heat pump project and the same HEAT Loan.

Live in a municipal light plant town?

About 40 Massachusetts towns get electricity from a municipal light plant (MLP), such as Braintree, Concord, Holyoke or Taunton, rather than from Eversource or National Grid. MLP customers generally aren’t eligible for Mass Save electric rebates; instead, many MLPs offer their own heat pump rebates. Check your local light department’s website. (If you have National Grid or Eversource gas service, some Mass Save gas-side offers may still apply.)

What you’ll actually pay: examples

Massachusetts installation prices run higher than the national average. These examples use typical 2026 Massachusetts quotes; yours will vary.

Project	Typical installed cost	Mass Save rebate	Net cost	With 0% HEAT Loan (7 years)
Whole-home ducted cold-climate heat pump, 3 tons	~$16,000	$7,950	~$8,050	~$96/month
Whole-home ductless, 4 zones (~3.5 tons)	~$18,000	$8,500 (cap)	~$9,500	~$113/month
Partial-home: 2-ton ductless alongside an oil boiler, with weatherization and sizing bonuses	~$9,000	$2,250 + $1,000 bonuses	~$5,750	~$68/month
Moderate-income whole-home (enhanced)	~$16,000	Up to $16,000	As low as ~$0	—
Basic: replacing an old 3-ton heat pump	~$12,000	$750	~$11,250	~$134/month

2026 vs 2027: does timing matter?

Yes. Mass Save cut its whole-home rebate from $3,000 per ton (capped at $10,000) in 2025 to $2,650 per ton (capped at $8,500) in 2026. Installers report a further cut from January 1, 2027, to about $2,350 per ton, capped at $7,500, for whole-home systems (LaCroix Heating & Cooling). Confirm the final 2027 amounts on masssave.com.

Whole-home system size	2026 rebate	Reported 2027 rebate	Difference
2 tons	$5,300	~$4,700	~$600
3 tons	$7,950	~$7,050	~$900
4 tons	$8,500	~$7,500	~$1,000

The date that usually matters is the installation date on your invoice. With winter installer schedules filling up, get quotes now if you want to lock in 2026 amounts, but don’t rush into a poorly sized system to beat a deadline. A good installation matters more than $1,000.

How to apply for Mass Save heat pump rebates

Confirm you’re a Mass Save customer. Check that your electricity comes from Eversource, National Grid, Unitil or Cape Light Compact (or gas from a Mass Save sponsor). If you’re in a municipal light plant town, go to your light department instead.
Schedule a free Home Energy Assessment at masssave.com. It identifies weatherization needs, checks income-based eligibility, and is often required for the best rebates and bonuses.
Weatherize first if recommended. Insulation and air sealing are heavily subsidized and help you qualify for whole-home or bonus rebates.
Get 2–3 quotes from Mass Save participating heat pump installers. Ask each for a Manual J load calculation, the exact model numbers, confirmation they’re on the Qualified Product List, and which rebate tier you’ll qualify for.
Apply for the HEAT Loan before signing, if you’re financing. The lender needs the contractor’s quote.
Install. For partial-home systems where fossil-fuel heat remains, make sure an approved integrated control is included.
Submit the rebate form with documentation (invoice, model numbers, AHRI certificate, and the whole-home verification form if applicable), or let your installer file it. Expect about 6–8 weeks for processing.
Switch to your utility’s heat pump rate once the system is running.

Frequently asked questions

How much is the Mass Save heat pump rebate in 2026?

$2,650 per ton, up to $8,500, for whole-home systems; $1,125 per ton, up to $8,500, for partial-home systems (plus up to $1,000 in bonuses); and $250 per ton, up to $2,500, for basic installs. Moderate-income households can get up to $16,000.

Is the $10,000 Mass Save rebate still available?

No. The $3,000-per-ton, $10,000-cap whole-home rebate applied in 2025. For 2026 it’s $2,650 per ton, capped at $8,500.

Can I keep my oil or gas furnace and still get a Mass Save rebate?

Yes, through the partial-home rebate, as long as you install an approved integrated control. The whole-home rebate requires heat pumps to be your only heating and cooling source.

Does Mass Save cover R-410A heat pumps?

No. Since January 1, 2026, R-410A heat pumps are no longer on Mass Save’s qualified product list.

Is there a federal tax credit for heat pumps in Massachusetts?

No. The federal 25C credit ended for systems installed after December 31, 2025. Mass Save rebates and the HEAT Loan are now the main incentives.

Can renters get Mass Save heat pump rebates?

Typically the property owner applies, but renters can request a Home Energy Assessment and some offers involve landlords. Mass Save has specific programs for renters and landlords.

How long does it take to get the rebate?

Usually about 6–8 weeks after Mass Save receives a complete application.

Related guides

HEAR (HEEHR) Heat Pump Rebate Explained: Income Limits and Amounts
Heat Pump Tax Credit 2026: What Happened to 25C and What Replaced It
Do Heat Pumps Work Below 0°F? Data From Cold-Climate Models
Best Cold-Climate Heat Pumps for Northern States
Is a Heat Pump Worth It in New England? A State-by-State Look
Heat Pump vs Gas Furnace: Total Cost Over 15 Years

Rebate amounts are from Mass Save program pages as of November 1, 2026, and change annually. Mass Save is a program of Massachusetts utilities and energy efficiency providers; ElectrifyHomeGuide isn’t affiliated with Mass Save. Confirm current amounts and eligibility at masssave.com before you buy.