What Income-Eligible Electrification Is
Mass Save runs an enhanced rebate tier for Massachusetts homeowners under 60% of state median income. The enhanced tier:
- Covers 100% of insulation cost (vs 75% standard tier)
- Provides enhanced heat pump rebates frequently equal to total install cost
- Adds enhanced heat pump water heater rebates
- Stacks with panel-upgrade coverage when paired with electrification
- Uses the same authorized contractor list — no second contractor needed
The result: standard scope installs (whole-home cold-climate heat pump, attic + wall insulation, panel upgrade as needed) routinely come in at $0 out-of-pocket for the homeowner.
60% SMI Income Thresholds
Massachusetts state median income (SMI) sets the eligibility cutoff. Approximate 60% SMI thresholds:
- Family of 1: under $70,000
- Family of 2: under $80,000
- Family of 3: under $95,000
- Family of 4: under $110,000
- Family of 5: under $125,000
- Family of 6: under $140,000
Note: exact numbers update annually based on Massachusetts census data. Verify current thresholds during the free Home Energy Assessment — the visiting analyst has the current-year cutoffs.
Need Income-Eligible Electrification Help in Massachusetts?
5-min reply during business hours. Free written estimate within 24 hours. Massachusetts Licensed.
Documentation Required
One year of income documentation — typically your most recent federal tax return (IRS Form 1040, page 1). Acceptable alternatives:
- W-2 forms covering the relevant year
- Most recent pay stubs showing year-to-date income
- Social Security benefit statement (for retirement income)
- Documentation of public assistance enrollment (LIHEAP, SNAP, etc.) — automatic income-eligibility in some scenarios
The documentation is reviewed during the free Mass Save Home Energy Assessment. The analyst confirms eligibility on-site and unlocks the enhanced rebate tier for the project. You do not file anything separately — Pro Build handles the rebate paperwork either way.
What Income-Eligible Electrification Actually Covers
- Whole-home heat pump install
- 100% covered on standard scope — typically a $20,000–$28,000 install at $0 net cost. Includes Manual J load calc, AHRI-matched equipment, R-32/R-454B refrigerant.
- Insulation (attic, wall, basement)
- 100% covered. Air sealing included as the lead-in step.
- Heat pump water heater
- 100% covered on standard installs.
- Panel upgrade enabling electrification
- Covered when paired with heat pump or other qualifying electrification scope. Standalone panel upgrades not tied to electrification typically not covered at 100%.
- ENERGY STAR appliances
- Some appliance rebates available — refrigerator, dryer, heat pump dryer.
- Smart thermostat
- Free during install on most heat pump installs.
- LEDs, weatherstripping, low-flow fixtures
- Free during the Home Energy Assessment visit.
How Pro Build Handles Income-Eligible Projects
- On-site visit. We measure the home, run Manual J, and scope the project at standard rates.
- The written estimate shows: investment, expected income-eligible Mass Save rebate, expected federal credit (where applicable), expected HEAT Loan amount (if used), and expected net cost.
- Free Mass Save Home Energy Assessment scheduled (we coordinate). Income documentation reviewed by the analyst at the visit.
- Income-eligibility confirmed. Rebate tier upgraded to enhanced. Pre-approval filed.
- Installation. Massachusetts-licensed crews. EPA 608 Universal. EPA RRP.
- Mass Save third-party verification visit (typically 2 weeks after install).
- Enhanced rebate posts. For most income-eligible scope, the rebate offsets the contractor invoice directly — homeowner writes no check.
Pro Build does not charge income-eligible homeowners differently. Same crew, same materials, same warranty as standard scope.