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Utility · massachusetts

Mass Save heat pump rebates.
Stacked, current, actionable.

Mass Save pays up to $10,000 for a whole-home air-source heat pump and up to $15,000 for ground-source, layered with a 0% HEAT Loan up to $50,000 over seven years. Rebates route through participating contractors at point of sale. Mass Save also pays $750 to $1,250 for heat pump water heaters and $2,500 for weatherization pre-work on most installations.

What heat pump rebates does Mass Save offer?

Mass Save pays up to $10,000 for a whole-home air-source heat pump and up to $15,000 for ground-source, layered with a 0% HEAT Loan up to $50,000 over seven years. Rebates route through participating contractors at point of sale. Mass Save also pays $750 to $1,250 for heat pump water heaters and $2,500 for weatherization pre-work on most installations.

Overview

Mass Save is the joint energy-efficiency program funded by ratepayer surcharges across six Massachusetts utilities, including Eversource and National Grid. It runs on three-year program cycles approved by the Department of Public Utilities, and the 2025–2027 cycle prioritizes full displacement of fossil heating on Massachusetts homes.

The headline incentive is a whole-home heat pump rebate that scales with coverage — partial displacement of oil or propane gets a reduced rebate, while full electrification qualifies for the $10,000 maximum. The program pairs rebates with the 0% HEAT Loan, which finances the net-of-rebate balance at zero interest.

Mass Save also runs ConnectedSolutions, a separate demand-response tariff that pays roughly $275 per ton per year for enrolling your heat pump into summer peak events. Over a ten-year horizon the ConnectedSolutions payments often exceed $8,000 on a typical 3-ton system.

Mass Save rebate programs

  • Whole-Home Heat Pump Rebate · $10,000 (air-source) / $15,000 (ground-source)Owner-occupied 1–4 unit residential properties served by a Mass Save sponsor utility, with a completed home energy assessment and documented full fossil-heat displacement.
  • HEAT Loan · 0% APR up to $50,000 over 84 monthsHomeowner with satisfactory credit and a signed Home Energy Assessment report that recommends the financed measure.
  • ConnectedSolutions Heat Pump Tariff · ~$275 per ton per year for ten yearsHeat pump installed by an HPIN contractor with a Wi-Fi thermostat enrolled in the utility demand-response platform; customer agrees to cycled operation during declared peak events.

Stacking with HEEHRA and federal credits

Mass Save rebates stack cleanly with HEEHRA once Massachusetts opens its portal in Q3 2026, because Mass Save is a utility ratepayer program and HEEHRA is federal. See the HEEHRA guide for eligibility bands. Homeowners who install now through Mass Save alone should keep itemized invoices — DOER has signaled that early installs may not be retroactively HEEHRA-eligible, but contractor-side documentation is the safest hedge.

ConnectedSolutions tariff payments do not count against HEEHRA or Mass Save rebate caps because they are operating revenue, not installation incentives. See the rebate stacking guide for the full order-of-operations. The effective stack on a 3-ton air-source install in 2026 is Mass Save rebate + 0% HEAT Loan + ConnectedSolutions enrollment — HEEHRA adds up to $8,000 more once the state portal goes live.

Application tips

Start with the free Home Energy Assessment — you cannot access any Mass Save rebate or the HEAT Loan without an assessment report on file. Schedule at least eight weeks before your target install date, because assessment wait times stretch in Q4.

Use a Heat Pump Installer Network contractor, not a general HVAC contractor. Non-HPIN installers cannot file Mass Save paperwork on your behalf, which eliminates the point-of-sale discount and forces you to self-finance the full invoice.

Ask for the whole-home scenario explicitly in your quote. Partial-displacement quotes net roughly $4,500 instead of $10,000, and many contractors default to partial quotes unless you specify full fossil removal including water heating and backup.

Run your Mass Save rebate stack

Enter your ZIP + income to see the current stack including Mass Save programs.

Mass Save rebates — frequently asked

Yes, the $10,000 whole-home tier requires documented full displacement of fossil heat, which includes disconnection of the existing boiler or furnace. Partial displacement with the old system left in place caps at roughly $4,500 depending on square footage.
The heat pump rebate requires owner authorization because the equipment is a capital improvement, so renters cannot apply directly. Landlords of 1–4 unit buildings can apply and receive the rebate, and some will do so at tenant request because the HEAT Loan cash-flows the balance.
Mass Save rebates are applied at point of sale by the HPIN contractor, so you pay net-of-rebate on the install invoice rather than waiting for a check. Internal reconciliation between the contractor and the utility takes 30–45 days but is invisible to the homeowner.
Ductwork is not directly rebated but is eligible for the 0% HEAT Loan when bundled with a qualifying heat pump. Panel upgrades required to support the heat pump are eligible for HEAT Loan financing and will qualify for HEEHRA panel-upgrade rebates (up to $4,000) once Massachusetts opens its portal.
Equipment must appear on the NEEP Cold Climate Air Source Heat Pump List and meet the current Mass Save minimum efficiency tier. HPIN contractors work off the approved list by default, but you can verify any proposed model on the NEEP site before signing the contract.
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