If you're a homeowner in Southeastern Massachusetts considering a heat pump, 2026 is one of the best years to make the switch. Mass Save is offering up to $9,500 in rebates for qualifying heat pump installations, plus 0% financing through the HEAT Loan program. But there are important changes this year that affect which systems qualify and how much you can save.
This guide breaks down everything you need to know about the 2026 Mass Save heat pump rebate program—from rebate tiers and bonus opportunities to refrigerant requirements and utility rate savings.
2026 Mass Save Rebate Tiers
Mass Save offers three rebate tiers based on the type of heat pump installation:
Whole-Home Rebate — Up to $8,500
Whole-home heat pump systems that replace your primary heating source qualify for $2,650 per ton, up to a maximum of $8,500. This tier applies to ducted central heat pump systems and whole-home ductless mini-split configurations.
Partial Rebate — Up to $8,500
Partial installations—where the heat pump supplements but doesn't fully replace your existing system—qualify for $1,125 per ton, up to $8,500. This is common for homeowners adding mini-splits to specific zones while keeping their existing furnace or boiler.
Basic Rebate — Up to $2,500
Single-zone ductless mini-split installations qualify for the basic tier at $250 per ton, up to $2,500. This is ideal for adding comfort to a specific room, addition, or converted space.
Bonus Opportunities — Up to $1,000 Extra
On top of your base rebate, you can earn up to $1,000 in additional bonuses:
- Sizing Bonus (+$500): Earn an extra $500 when your heat pump system is properly sized to meet your home's full heating load. Proper sizing ensures maximum efficiency and comfort.
- Weatherization Bonus (+$500): Complete recommended weatherization improvements (insulation, air sealing) alongside your installation to earn another $500.
Combined with the maximum base rebate of $8,500, the total maximum rebate is $9,500.
Heat Pump Water Heater — $750 Rebate
Replacing your conventional water heater with a heat pump water heater qualifies for a separate $750 Mass Save rebate. Heat pump water heaters use up to 70% less energy than standard electric models, making them one of the most cost-effective upgrades available.
0% HEAT Loan Financing
The Mass Save HEAT Loan program provides 0% interest financing up to $25,000 for qualifying energy upgrades. Key details:
- Loan terms of 3 to 7 years based on income qualification level and project scope
- Can be combined with rebates—apply your rebate first, then finance the remaining balance at 0%
- Available through participating lenders with a straightforward application process
For additional financing options beyond the HEAT Loan, Fong & Sullivan also works with Service Finance Company to offer flexible payment plans.
Important 2026 Change: R-410A Refrigerant Banned
One of the biggest changes for 2026: heat pumps using R-410A refrigerant no longer qualify for Mass Save rebates. Only systems using next-generation, lower-GWP refrigerants qualify:
- R-32 — Used in many newer Mitsubishi, Daikin, and Fujitsu models
- R-454B — Used in newer Carrier, Lennox, and Trane systems
This is an important detail to verify with your installer before purchasing equipment. As a certified Mass Save installer, Fong & Sullivan only installs rebate-eligible systems with compliant refrigerants.
Federal Tax Credit: Expired
The federal 25C energy efficiency tax credit for heat pumps expired in December 2025 and is not available for 2026 installations. Mass Save rebates are now the primary financial incentive for Massachusetts homeowners.
Utility Rate Savings: Eversource & National Grid
Beyond rebates, heat pumps deliver ongoing savings on your utility bills. Here's how heat pump rates compare to standard electric rates for SE Massachusetts utility customers:
Eversource Customers
- Heat pump rate: $0.18/kWh
- Standard residential rate: $0.30/kWh
- Savings: ~40% on electricity used for heating and cooling
National Grid Customers
- Heat pump rate: $0.19/kWh
- Standard residential rate: $0.28/kWh
- Savings: ~32% on electricity used for heating and cooling
These discounted heat pump rates are automatically applied when you enroll through Mass Save, further reducing your operating costs beyond the upfront rebate savings.
Income-Qualified Program: No-Cost System
Households earning at or below 60% of the Area Median Income (AMI) may qualify for a complete heat pump system at no cost. This includes equipment, installation, and any necessary electrical work. If you think you might qualify, contact us and we'll guide you through the application process.
Installation Deadline: February 28, 2027
The current 2026 Mass Save rebate program runs through February 28, 2027. However, demand for installations typically increases in fall and winter. We recommend scheduling your consultation early to:
- Secure your preferred installation date
- Lock in equipment availability (especially R-32/R-454B models)
- Complete the process well before the deadline
Why Choose Fong & Sullivan?
As a certified Mass Save heat pump installer, Fong & Sullivan handles the entire process—from sizing your system and selecting rebate-eligible equipment to processing all rebate paperwork on your behalf. We serve homeowners throughout SE Massachusetts including North Attleborough, Plainville, Wrentham, Franklin, Attleboro, and surrounding towns.
Ready to see how much you can save? Visit our 2026 Mass Save rebate calculator for a personalized estimate, or call (508) 715-9580 to schedule a free consultation.
Frequently Asked Questions
How much can I save with 2026 Mass Save heat pump rebates?
Homeowners can receive up to $9,500 in total rebates, including base rebates of up to $8,500 plus $500 sizing and $500 weatherization bonuses. Income-qualified households (≤60% AMI) may receive a full system at no cost.
What refrigerant do heat pumps need to qualify in 2026?
Starting in 2026, only heat pumps using R-32 or R-454B refrigerant qualify for Mass Save rebates. Systems using R-410A are no longer eligible.
Is the federal tax credit still available for heat pumps?
No. The federal 25C energy efficiency tax credit expired in December 2025 and is not available for 2026 installations. Mass Save rebates remain the primary incentive.
What is the HEAT Loan and how does it work?
The HEAT Loan provides 0% interest financing up to $25,000 for qualifying energy upgrades, with repayment terms of 3 to 7 years based on income qualification. It can be combined with Mass Save rebates.
When is the deadline to claim 2026 Mass Save rebates?
The current 2026 Mass Save rebate program runs through February 28, 2027. Schedule your installation early to secure your rebate before the deadline.
Do ductless mini-splits qualify for Mass Save rebates?
Yes. Both single-zone and multi-zone ductless mini-split systems qualify, provided they use R-32 or R-454B refrigerant. Multi-zone systems may qualify for higher rebate tiers.
How do I know if I'm income-qualified?
If your household income is at or below 60% of the Area Median Income (AMI), you may qualify for a no-cost heat pump system. Contact Fong & Sullivan and we'll help determine your eligibility.
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