Energy efficiency rebates in Massachusetts.
Every federal, state, and utility incentive for heat pumps, insulation, air sealing, and weatherization in Massachusetts — cross-referenced and kept current.
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Mass Save
- Type
- Utility Consortium
- Website
- www.masssave.com
- Phone
- (866) 527-7283
- IRA allocation
- $114M
Active rebate programs
6 programs currently accepting applications in Massachusetts.
| Program | Amount | Eligibility | Status |
|---|---|---|---|
| Whole Home Heat Pump | $2,650/ton (max $8,500) | Replacing primary heating system | Active |
| Partial Home Heat Pump | $1,125/ton (max $8,500) | Supplemental heat pump | Active |
| Weatherization | 75-100% of cost | All residents (100% for income-eligible) | Active |
| HEAT Loan | 0% interest up to $25,000 | All homeowners | Active |
| Income-Eligible Programs | No-cost insulation + appliances | Income-qualified households | Active |
| Seasonal Electric Rate Discount | ~$540/winter | Heat pump customers | Active |
Run the numbers for Massachusetts.
Free, no account needed. Every figure is cited, so you have a benchmark before a Massachusetts contractor quotes you one.
IRA implementation status
How Massachusetts is implementing the Inflation Reduction Act home energy rebates.
Metro areas in Massachusetts
Local utility programs and municipal incentives by metro area.
BERDO 2.0 for large buildings. Eversource territory.
BEUDO performance standards
Eversource, full Mass Save access
National Grid territory
Rebates are step one
Once you know what Massachusetts pays, here's the rest of the path: what order to do the work in, and what belongs on a fair quote.
What order to do it in
Envelope first, equipment second — how to sequence a retrofit to your budget and your rebates' deadlines.
How to read a quote
What belongs on a heat pump or insulation quote, and the red flags that mean keep shopping.
What attic insulation costs
Per-square-foot prices by material, and why this is the work rebate programs subsidize hardest.
Claim rebates after install
The document kit, the application walkthrough, and the mistakes that get claims rejected.
Rebates cover part of it. Here's the rest.
What Massachusetts pays is the first rung. These cover the money questions underneath it: the 2026 federal rules, the state and utility loan programs worth checking before a bank, and the borrowing routes that come after.
How to pay for it
The whole money picture in order of cost: rebates first, then low-interest loans, then borrowing.
State energy loans
The state and utility loan programs we have verified at the administrator, with rates and conditions.
The 2026 rebate rules
What DOE Program Notices 26-1 and 26-2 changed about HEAR and HOMES, and which states are live.
Latest Massachusetts energy news
Recent Massachusetts rebate, policy, and efficiency coverage from our monitored sources.
Oil Heat Faces a $6-a-Gallon Test
Heating oil is about to get a lot more expensive. The Energy Information Administration expects average prices of $4.80 a gallon this winter, up 33% from last year, and one New York-area supplier has already charged $6.86. The jump is tied to tight global oil supplies and the wars in Iran and Ukraine, and it mainly affects Northeast homes that heat with oil. If your oil furnace or boiler is old, replacing it can still help even if you stay with oil. Industry data cited in the piece shows high-efficiency oil boiler swaps saving around 25% on fuel compared with older units, and oil-heated homes today burn less than half the fuel a similar home used in 1978. That said, a full switch to a heat pump (a system that moves heat instead of burning fuel) costs two to three times as much as simply replacing an oil system in some New England homes, with a payback period of six to seven years. One contractor quoted in the article says leads from oil customers asking about heat pumps are up 30%, and expects a strong sales season as prices bite. Electricity costs matter too, since New England rates are among the highest in the country. Massachusetts is trying to improve the math: it now requires major utilities to offer discounted winter rates for homes that heat primarily with heat pumps, which saved participating households over $250 last winter. Those discounts are getting bigger this year — National Grid's rate cut is rising from about 2.5 cents to 4 cents per kilowatt-hour, and Unitil's from about 2 cents to 3.6 cents. If you're in Massachusetts and considering a heat pump, it's worth checking whether your utility offers this rate.
Massachusetts shifts clean energy funds to help heat homes this winter
Massachusetts Gov. Maura Healey has declared an energy emergency and ordered the state to steer money toward helping households heat their homes this winter, as heating oil prices have jumped. Home heating oil in Massachusetts recently averaged $6.12 a gallon, up nearly 75 percent from a year ago. The funding comes from alternative compliance payments, fees that electricity suppliers pay when they miss clean energy targets, and will supplement the federal Home Energy Assistance Program (HEAP) for low-income households. The order also creates a one-time benefit for middle-income households that heat with oil but don't qualify for HEAP. The order makes two other changes that affect utility bills. It temporarily cuts by half the ratepayer charge tied to the state's Alternative Portfolio Standard, a move expected to save ratepayers $20 million, with plans to wind the program down further. It also temporarily shifts the "distributed solar charge" — the line item on bills that funds the state's solar incentive program — so it's covered by the compliance-payment funds instead of ratepayers. Separately, state agencies have been told to review how "net metering" works — the credit homeowners with solar panels get for power they send back to the grid — looking at costs and whether other states' approaches could control spending while still growing solar. The order states this review won't undo the state's existing goal of doubling solar capacity by 2035. If you have oil heat or solar panels in Massachusetts, these changes could show up on upcoming bills or in available assistance, though specific application details weren't part of this announcement.
Vapor Issue w/ EPS & Mineral Wool in Attic
This isn't a news story, it's a homeowner's question posted to a building-science forum, so there's no update here that affects your house directly. But the situation is a common one worth knowing about if you're ever thinking about finishing attic space. The person posting owns a 1950s house in Massachusetts and wants to turn part of an unheated attic into a small office before a bigger roof renovation happens in a few years. Because the rafters are shallow, they're planning to combine mineral wool batt insulation with rigid foam board on both the inside and the outside of that insulation. The worry is that foam board often comes with a foil facing that blocks moisture from passing through, and having that kind of barrier on both sides of the mineral wool could trap moisture inside the wall or ceiling assembly instead of letting it dry out. That matters because trapped moisture in a roof or wall cavity can eventually lead to mold or wood rot. For most homeowners, the lesson isn't the technical fix, it's the principle: insulation layers need a way for moisture to escape, usually by making sure at least one side of an assembly stays "vapor open" rather than sealed on both faces. If you're ever finishing an attic, especially an older one with limited ventilation, this is the kind of detail worth asking a contractor or energy auditor about before work begins, since getting it wrong can cause hidden damage long after the drywall goes up.
Ready to see what you qualify for in Massachusetts?
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Massachusetts: up to $10,000 back right now
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