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Every federal, state, and utility rebate for your ZIP.
Interactive · Rebate stacking

Build your rebate stack.
Watch the net drop in real time.

Pick your state, your AMI band, and the equipment you're planning. The simulator runs HEEHRA caps plus state and utility rebates against your project cost.

How much can I save by stacking heat pump rebates?

Typical income-qualified full-bundle stack: $12,000 to $22,000 saved on a $30,000 to $45,000 whole-home electrification project. Stack order is federal (if applicable) → HEEHRA → state → utility. Exact amount depends on your AMI band and whether your state HEEHRA portal is live.

Your state

HEEHRA in Massachusetts: approved but not yet open to applications. HEEHRA dollars are not yet claimable here; utility and state programs still stack.

Household income (AMI band)

Half HEEHRA rebate: 50% of project cost per category, still capped.

Equipment in your project
$16,000

HEEHRA caps at $8,000 for the heat pump category regardless of equipment tier.

$4,500

HEEHRA caps at $1,750 for heat pump water heaters.

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$4,000

HEEHRA caps at $4,000 for main service panel upgrades (typically required to support heat pump + HPWH + EV charging).

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How to read this

The simulator models what a homeowner sees on paper when stacking is done correctly. It is a working estimate, not a quote.

Real programs add eligibility detail the simulator cannot capture: specific AHRI equipment models, contractor certification requirements, point-of-sale vs reimbursement timing, and income verification paperwork. See the rebate stacking guide for the full playbook.

When you are ready to run the math against your actual ZIP + household income, the rebate finder pulls live program data from the Rewiring America API and surfaces specific program names, amounts, and application URLs.

Simulator — frequently asked

The HEEHRA math uses the actual federal caps per equipment category and your selected AMI band. Utility rebates are modeled at a simplified 10% of cost up to $2,000 per category — real utility programs vary by state. For program-specific dollar amounts, run the live ZIP lookup on the homepage.
HEEHRA is state-administered — even though the federal money exists, each state operates its own portal with its own launch date. States where HEEHRA is pending, reserved, or not-engaged show $0 in the simulator because you cannot claim those dollars today. You can still stack utility and state programs.
HEEHRA uses county-level Area Median Income from HUD, adjusted for household size. Under 80% AMI = full rebate, 80-150% = 50%, above 150% = no HEEHRA. See the HEEHRA income tiers post for detailed calculation.
No. 25C for heat pumps was repealed by the OBBBA in July 2025 and expired December 31, 2025. It is no longer stackable on a 2026+ heat pump install. Solar PV, geothermal, and battery storage still have surviving 25C categories that stack separately.
The simulator is interactive and recalculates live. For a shareable rebate lookup tied to a real ZIP, use the rebate finder on the homepage — it produces a shareable URL with your stack.
Next step

See your real stack.

Run your ZIP against live program data. Every rebate, every program, sequenced to apply.

Run rebate lookup →Size my heat pump