Massachusetts headline: Up to $14,000+ in combined heat pump rebates and tax credits in 2026, stacking Mass Save utility rebate, state HEEHRA, and state tax credit. Strongest combined program in the US right now.
Active programs
Mass Save (utility rebates)
Mass Save is the joint utility-funded efficiency program covering most MA homes through Eversource, National Grid, Berkshire Gas, Cape Light Compact, and others.1
| Equipment | Mass Save rebate |
|---|---|
| Whole-home cold-climate ducted heat pump | Up to $10,000 |
| Whole-home ductless mini-split | Up to $10,000 |
| Partial-home ductless | Up to $1,250 per indoor unit |
| Geothermal heat pump | Up to $15,000 |
Whole-home means the heat pump is the only heating source for the whole house, no fossil fuel backup retained. Partial-home means you keep an existing furnace.
Eligibility: AHRI-certified, ENERGY STAR Most Efficient or NEEP cold-climate listed equipment; Mass Save approved contractor.
Massachusetts HEEHRA
State-administered with federal HEEHRA funds.2
| Income tier | Coverage | Cap |
|---|---|---|
| Below 80% AMI | Up to 100% | $8,000 |
| 80-150% AMI | Up to 50% | $4,000 |
| Above 150% AMI | Not eligible | - |
Cannot stack with Mass Save fully, typically Mass Save reduces by HEEHRA amount. Confirm with your contractor.
Massachusetts state tax credit
15% of installation cost, capped at $1,000 per year (separate from federal 25C). Active in 2026.
Income limits (2026 estimates)
For a 4-person Boston-area household, 80% AMI is approximately $90,000-$100,000. Outside Boston the threshold is lower.
Look up your specific area at the Massachusetts Department of Energy Resources website.2
How to apply
- Pick a Mass Save approved contractor.
- Get a quote. Confirm AHRI certification and rebate eligibility.
- Apply for HEEHRA pre-approval if income-eligible.
- Install with the approved contractor.
- Submit Mass Save rebate within 90 days (often handled by the contractor).
- Claim state tax credit on MA state tax return.
Verified contractors
Use the Mass Save contractor finder. Filter for “Heat Pump Heating & Cooling Installer.” All approved Mass Save contractors are licensed in MA and trained on rebate paperwork.
Realistic example
A 1,800-sf home in Worcester replacing oil-fired boiler with cold-climate heat pump:
- Equipment + install: $22,000
- Mass Save (whole-home cold-climate, oil replacement bonus): $10,000
- HEEHRA at 80-150% AMI: $4,000
- State tax credit: $1,000
- Net cost: $7,000
Saves about $1,500-$2,500/year vs oil heat in winter, plus AC replacement value. Payback under 5 years.
What to do next
Get three Mass Save approved contractor quotes with itemized rebate amounts.
If you’re below 80% AMI and want maximum HEEHRA, apply early, funds are first-come.
For broader context, see the 2026 heat pump rebate guide and cold climate heat pumps. Comparing with neighbors? Mass Save typically beats New York’s NYSERDA program on incentive depth but New York has wider statewide eligibility, see Connecticut, Vermont, and Rhode Island for regional options.
- Up to $14,000+ stacked rebates, strongest in the US.
- Mass Save covers most MA homes (Eversource, National Grid, Cape Light, etc.).
- Use a Mass Save approved contractor; they handle most paperwork.
- Net cost after rebates often under $8,000 for a strong install.