Mass Save Heat Pump Conversion Guide (2026)
Plan your conversion with current program terms, a written installation quote and the needs of your home. Federal 25C credits ended after 2025. Confirm local incentives before treating them as a discount.
Current rebate categories
| Project | Amount | Conditions |
|---|---|---|
| Whole-home heat pump | $2,650 per ton, up to $8,500 | For eligible projects meeting whole-home requirements. |
| Partial-home heat pump | $1,125 per ton, up to $8,500 | For eligible projects retaining supplemental heating; controls may be required. |
| Basic heat pump | $250 per ton, up to $2,500 | For qualifying projects outside the whole-home and partial-home categories. |
| Federal 25C credit | $0 for 2026 installations | Ended for property placed in service after December 31, 2025. |
| Income-based support and financing | Check current program terms | Eligibility, approval and financing are separate from the standard rebate. |
Plan the installation
- Step 1 — Confirm program eligibility
Check your utility account, existing heating fuel and proposed equipment with the program.
- Step 2 — Review the home
Document insulation, air leakage, existing equipment and any necessary repairs. Confirm the program weatherization requirements.
- Step 3 — Compare contractor proposals
Ask for a load calculation and itemized equipment, ductwork, electrical and permit costs.
- Step 4 — Confirm the budget
Separate installed price, confirmed rebates and financing. Do not include a federal 25C credit for new 2026 work.
- Step 5 — Install and document
Keep the invoice, equipment details and completion date together. Confirm required application documents with the contractor.
- Step 6 — Submit and track
Submit the program application on time and keep confirmation. Do not treat an expected rebate as money already received.
Frequently asked questions
Can I stack a federal tax credit onto a 2026 Mass Save installation?
No federal 25C credit applies to a new 2026 installation. Check state and utility offers separately and do not count financing as a rebate.
How should I calculate my net cost?
Start with the written installed quote, add any excluded work, and subtract only confirmed rebates. Compare financing charges separately. Savings depend on your bills, equipment and usage.
Can I keep my existing furnace as backup?
Ask the program and your installer which rebate category and control requirements apply to your proposed system. Compare whole-home and partial-home designs on comfort, operating cost and installed price.
Will a heat pump lower my total energy bill?
It depends on the equipment, home, climate, utility rates and fuel being displaced. Ask bidders to show a calculation based on your actual bills and the proposed system; do not rely on a universal payback claim.
Energy incentives checked October 13, 2026: Mass Save current program and IRS 25C rules.