What is the Mass Save program for heating and cooling?
The Mass Save program is put together by the utility companies here in Massachusetts — namely Eversource and National Grid — to offer incentives for homeowners to make their homes more energy efficient.
If you look at your electric or gas bill from Eversource or National Grid, you’ll see a line item for an energy efficiency charge. You’re paying into Mass Save every month, so there’s a significant pool of funds available for Massachusetts homeowners who qualify to make meaningful improvements to their home heating systems.
What are customers getting for Mass Save rebates in 2026?
For 2026, the whole home heat pump rebate is $8,500. This continues to be our most popular rebate for heat pump installations. Rebates are structured based on whether the heat pump will serve as the sole source of heating and cooling in the home (whole-home), or as a supplement to an existing system (partial-home).
Some customers also opt for the Mass Save partial home heat pump rebate, which works well for homeowners looking to replace an A/C unit and upgrade to a heat pump without doing a full heating system replacement.
To qualify for the whole-home rebate, your home must be sufficiently weatherized prior to installation — this can be verified through a no-cost Home Energy Assessment. Equipment must be installed between January 1, 2026 and December 31, 2026 by a contractor participating in the Mass Save Heat Pump Installer Network, and rebate paperwork must be submitted by February 28, 2027.
Income-qualified households may be eligible for enhanced incentives — up to 80% of the installed cost of a qualifying heat pump system. Ask a 128 teammate if you think you may qualify.
What are Mass Save’s financing options in 2026?
The Mass Save HEAT Loan program still offers 0% interest financing for any remaining project balance, with loans up to $25,000 available for qualifying energy-efficiency upgrades.
Loan repayment terms are tiered based on household income.
No matter which tier you fall into, the interest rate is 0% — your income level only affects the length of your repayment term, not the cost of borrowing.
128 helps customers obtain the HEAT Loan in-house with our dedicated financing coordinator, who will confirm equipment eligibility, prepare your authorization documents, and connect you with local lenders to close on the loan.
What happened to the federal heat pump tax credit?
The federal heat pump tax credit under the Inflation Reduction Act expired at the end of 2025. Any heat pump equipment installed after December 31, 2025 is no longer eligible for this credit. Similarly, the IRA Section 25D credit — which covered up to 30% of the cost of geothermal heat pumps — also expired at the end of 2025.
While this is a meaningful change, the Mass Save rebate and 0% HEAT Loan program remain strong incentives on their own for Massachusetts homeowners in 2026.
How do I know if I qualify for Mass Save rebates and financing?
National Grid or Eversource customers are eligible. If you live in a town with municipal electric — like Reading or Wakefield — you would need a gas account, most likely with National Grid, to qualify. As long as you have that National Grid gas account, you’re still eligible.
If someone wants to stay on their oil or gas heating system, can you still get financing or other incentives?
Heat pumps aren’t the right fit for every home, and that’s okay. We install oil furnaces, gas furnaces, and steam boilers — whatever heating system you have, we’re happy to replace it with the right solution for your home. Financing is still available for gas and oil heating system replacements as well.
Is 128 Plumbing, Heating, Cooling and Electric a Mass Save Partner?
128 Plumbing, Heating, Cooling & Electric is a listed Heat Pump Installer with the Mass Save program. We have a dedicated in-house team focused on helping customers secure Mass Save loans and rebates from start to finish. Talk to a 128 teammate today to get started.
