Mississippi headline: The live money is your utility. Entergy Mississippi pays up to $1,100 for a heat pump, Mississippi Power up to $200 per ton, and TVA co-ops in the north pay $500 to $800. The bigger federal HEAR rebate (up to $8,000) is administered by the Mississippi Development Authority but not open yet. The federal 25C credit expired after December 31, 2025.
Mississippi: use your utility rebate now, watch for the state one
Mississippi has real utility rebates you can claim today, and a larger state rebate on the way. What you get today depends on which of the state’s three utility systems serves you, so check your bill first.
The state’s federal HEAR and HOMES rebates, run by the Mississippi Development Authority Energy Division with about $104.8 million in funding, have not launched as of mid-2026, so lean on the utility rebates below for now.1
This is the Mississippi companion to our 2026 heat pump rebate guide.
What is live now: utility rebates
| Utility | Service area | Heat pump rebate |
|---|---|---|
| Entergy Mississippi | Jackson and much of the state | up to $1,100 |
| Mississippi Power | Southeast and Gulf Coast | up to $200 per ton |
| TVA EnergyRight co-ops | North Mississippi | $500 to $800 |
Entergy Mississippi’s rebate is the strongest of the three.2 Mississippi Power, a Southern Company utility on the Gulf Coast, pays by the ton.3 In the north, TVA co-ops run the EnergyRight rebate. Confirm the current amount with your own utility before you buy.
The state rebate: coming, not open
Mississippi’s HEAR and HOMES rebates, run by the MDA Energy Division, have about $104.8 million behind them but have not launched as of mid-2026.1
When it opens, HEAR will pay up to $8,000 for a heat pump for income-qualified households, on top of your utility rebate. Contact the MDA Energy Division for the launch date and how to apply.
The senior and income path: two options
For a low-income Mississippi senior, there are two live routes today.
Statewide Weatherization: households at or below 200% of the federal poverty level qualify for free insulation, air sealing, and cooling improvements through local Community Action Agencies, identified by a home energy audit.1
North Mississippi Home Uplift: in TVA territory, households below 200% of poverty can get an average of about $10,000 in free upgrades that can include a heat pump.4
Even where a heat pump is not included, the free audit and sealing cut how much cooling your home needs in Mississippi’s hot, humid summers, which lowers your bills now and shrinks the size of any heat pump you install later.
Income limits for the state rebate (when it opens)
HEAR uses Area Median Income (AMI) at the county level.7 Below 80% AMI gets the highest tier (up to $8,000); 80 to 150% AMI gets 50% of project cost.
Approximate 80% AMI thresholds for a family of 4:
| County / region | 80% AMI (family of 4) |
|---|---|
| Hinds County (Jackson) | ~$58,000 |
| DeSoto County (north, Memphis metro) | ~$66,000 |
| Harrison County (Gulfport) | ~$54,000 |
| Lauderdale County (Meridian) | ~$50,000 |
| Rural Mississippi counties | ~$44,000 to $50,000 |
For a senior household on Social Security only, eligibility is usually clean in any Mississippi county.
Federal layer (2026)
The federal 25C Energy Efficient Home Improvement Credit, which paid up to $2,000 for a heat pump in prior years, expired for installs after December 31, 2025.5
What remains in 2026:
- 25D Residential Clean Energy Credit: 30% of solar cost through 2034. Applies if you pair the heat pump with solar.6
- 25C on insulation, panel upgrades, and audits: still active at smaller caps. Heat pumps are excluded.
See IRA 25C expired 2026 for the full federal picture.
Senior stack scenarios
Scenario A: Jackson retired couple, Entergy Mississippi
- Entergy Mississippi heat pump rebate: up to $1,100
- Live today: up to $1,100. Add the state HEAR later if income-eligible when it opens.
Scenario B: Gulfport household, Mississippi Power, 3-ton heat pump
- Mississippi Power rebate at $200/ton x 3 tons: about $600
- Live today: around $600. Add the state rebate later.
Scenario C: Low-income Tupelo senior, TVA co-op (north)
- TVA Home Uplift (under 200% poverty): about $10,000 in free upgrades, heat pump possible
- Live today: potentially a largely no-cost heat pump through Home Uplift, with the $8,000 state rebate to come.
Verify your contractor first
A rebate is only as good as the contractor who installs the equipment. Confirm your contractor is licensed in Mississippi and meets your utility’s program requirements.
Red flags to reject:
- Door-to-door pitches. Legitimate contractors do not cold-call.
- A “guaranteed” state rebate. The HEAR program is not open, so nobody can guarantee it.
- No Mississippi license number on the quote.
- R-410A equipment for a 2026 install. That refrigerant no longer qualifies under the EPA rule.8
Verify a license in about a minute with our Mississippi contractor license lookup guide.
- Find your utility on your electric bill (Entergy, Mississippi Power, or a TVA co-op)
- Claim the utility rebate: Entergy up to $1,100, Mississippi Power $200/ton, TVA $500 to $800
- North Mississippi: ask about TVA Home Uplift if income-qualified
- If income-qualified statewide, apply for free Weatherization
- Watch the MDA Energy Division for the $8,000 state HEAR launch
What’s next
- Federal 2026 landscape: Heat pump rebates 2026
- Post-25C federal picture: IRA 25C expired 2026
- Cold-climate equipment: Cold-climate heat pumps
- Total cost math including stacks: Heat pump cost calculator
- Mississippi contractor check: Mississippi contractor license lookup
- Family in other states: Tennessee, Louisiana
Citations
- Home Energy Rebates (HEAR and HOMES) Status. Mississippi Development Authority, Energy Division, retrieved July 28, 2026. mississippi.org energy.
- Residential Energy Efficiency Rebates. Entergy Mississippi, retrieved July 28, 2026. entergymississippi.com energy efficiency.
- Residential Rebates and Efficiency Programs. Mississippi Power, retrieved July 28, 2026. mississippipower.com save money and energy.
- Home Uplift Income-Qualified Upgrades. Tennessee Valley Authority, retrieved July 28, 2026. energyright.com home uplift.
- Energy Efficient Home Improvement Credit (25C). U.S. Internal Revenue Service. irs.gov 25C.
- Residential Clean Energy Credit (25D). U.S. Internal Revenue Service. irs.gov 25D.
- Income Limits Documentation System. U.S. Department of Housing and Urban Development, April 2026. huduser.gov income limits.
- Technology Transitions: Restrictions on Use of Certain HFCs. U.S. Environmental Protection Agency. epa.gov technology transitions.