Mass Save HPC · 75-100% Insulation · $10K Heat Pump · 0% HEAT Loan

The Complete Mass Save Rebate Guide.

Mass Save covers up to $10,000 on a whole-home heat pump, 75–100% of insulation cost, and pairs with a 0% APR HEAT Loan up to $25,000. Pro Build files every application on your behalf — written for the homeowner who actually has to navigate it.

What Mass Save Actually Is

Mass Save is a Massachusetts utility-funded energy efficiency program — not a tax credit, not a federal program, not a contractor discount. Every Massachusetts electric and gas customer pays a small monthly surcharge that funds the rebate pool. Mass Save is administered by the Massachusetts utilities (Eversource, National Grid, Unitil, Berkshire Gas, Cape Light Compact, Liberty Utilities) under oversight from the Mass DOER and the Energy Efficiency Advisory Council.

The program covers residential and commercial energy upgrades with rebates, free assessments, financing (the HEAT Loan), and contractor authorization. As a Massachusetts homeowner you do not opt in — you are already paying for it on every electric and gas bill. Not using the rebates means you are leaving money on the table that you already paid into the program.

2026 Mass Save Rebate Amounts

Standard income tier rebate amounts as of the 2026 program year:

Whole-home cold-climate heat pump (ASHP)
Up to $10,000. Requires AHRI-matched system using R-32 or R-454B refrigerant. Mass Save HPC contractor required.
Partial-home / multi-zone mini-split heat pump
$1,250 per ton of cooling capacity, typical range $1,250 – $7,500.
Ground-source geothermal heat pump
$15,000+ on standard installations. Stacks with federal 25D 30% credit.
Heat pump water heater
$750 – $1,500. 1-day install on most existing electric resistance replacements.
Insulation (attic, wall, basement)
75% of cost standard income tier. 100% of cost income-eligible tier. Air sealing is often free as the lead-in step.
ENERGY STAR replacement windows
$50 – $100 per window.
Smart thermostat
$100 – $150.
Free Home Energy Assessment
$0. Includes blower-door test, infrared scan, free LEDs, weatherstripping, low-flow fixtures installed during the visit. Required to unlock most of the larger rebates.

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Income-Eligible Enhanced Rebates

Massachusetts homeowners under 60% of state median income (SMI) qualify for enhanced rebates that frequently bring net cost to $0 on standard scope. Approximate cutoffs (verified during the free Home Energy Assessment with one tax document):

  • Family of 2: under $80,000
  • Family of 3: under $95,000
  • Family of 4: under $110,000
  • Family of 6: under $140,000

Income-eligible rebates apply to insulation (100% covered), heat pumps (often $0 net), heat pump water heaters, and panel upgrades when paired with electrification. Full income-eligible electrification guide →

How Pro Build Files the Application

The homeowner does not file the Mass Save rebate. Pro Build does — as part of standard scope, no extra fee. Sequence:

  1. Free on-site visit. We measure the home, spec the system, and calculate the exact Mass Save rebate amount within 24 hours.
  2. The written estimate shows: investment, Mass Save rebate, HEAT Loan amount (if used), and net cost. The rebate amount on our quote is the rebate you receive — guaranteed.
  3. You sign the contract. We pull the 780 CMR permit. We file the Mass Save pre-approval (required for some scopes).
  4. Installation. Massachusetts-licensed crew. EPA 608 Universal for refrigerant. EPA RRP for pre-1978 homes.
  5. Mass Save third-party verification visit (typically 2 weeks after install).
  6. Rebate posts as a check or invoice credit, 4–8 weeks after commissioning.

Why a Mass Save Authorized Contractor Matters

Hiring a non-Mass Save-authorized contractor forfeits the rebate entirely. The program funds rebates only when the equipment, installation, and documentation come from an authorized contractor on the active Mass Save list. Pro Build is on:

  • Mass Save Heat Pump Contractor (HPC) list — required for heat pump and heat pump water heater rebates.
  • Mass Save Insulation Authorized Contractor list — required for insulation rebates and the BPI-driven scope.
  • Currently authorized for the 2026 program year.

Verify any Massachusetts contractor on the Mass Save active-installer database before signing. If the company is not on it, the rebate is gone.

More Massachusetts Resources

  • 0% APR HEAT Loan

    Up to $25,000 at 0% APR over 7 years, paired with rebate-eligible projects. Eligibility, paperwork, and how it stacks with Mass Save and federal credits.

  • Federal Tax Credits (25C, 25D, 30D)

    Inflation Reduction Act credits stack with Mass Save. 25C up to $2,000 for heat pumps, 25D 30% for geothermal/solar, 30D EV. Filing form 5695.

  • Income-Eligible Electrification

    Mass Save income-eligible thresholds (60% SMI), $0 out-of-pocket installations, enhanced rebates, and how to document eligibility with one tax return.

  • 780 CMR Massachusetts Building Code

    What permits trigger which trades, residential vs commercial scope, inspection sequence, and homeowner vs contractor responsibilities.

  • Specialized Stretch Code (14 Cities)

    14 Massachusetts municipalities with stricter energy and electrification requirements on new construction and major renovations. Full list and what it means.

  • MA HIC Contract Protection (MGL c. 142A)

    1/3 maximum deposit, milestone payments, 3-day rescission, written contract requirements, MA HIC arbitration program. Every homeowner's legal floor.

  • Massachusetts Contractor Licensing

    CSL, MA HIC, Master Electrician, Master Plumber, Master Gas Fitter, EPA 608, BPI, Mass Save HPC. How to verify each license and avoid unlicensed contractors.

  • ACCA Manual J Load Calculation

    The residential HVAC heat-load standard. Most contractors skip it. We run it free on every quote — here's why it matters and how it works.

  • R-32 / R-454B Refrigerant Transition

    The federal AIM Act phased out R-410A. Mass Save now only rebates heat pumps using R-32 or R-454B. What changed, why, and how to verify compliant refrigerant.

View All Massachusetts Resources →

The Resource FAQs

Massachusetts The Resource Questions Answered.

Who qualifies for Mass Save rebates?

Any Massachusetts residential utility customer on Eversource, National Grid, Unitil, Berkshire Gas, Cape Light Compact, or Liberty Utilities. Renters can qualify with landlord approval. Income-eligible homeowners under 60% SMI get enhanced rebates.

Do I have to pay the contractor first and wait for the rebate?

It depends on the program. For most heat pump installs, Pro Build files instant-rebate paperwork that reduces your invoice directly at install. For others, the rebate is paid as a check 4–8 weeks after the third-party verification visit. The written estimate clarifies which path applies.

Can I use Mass Save without a Home Energy Assessment first?

Most rebates require a free Mass Save Home Energy Assessment as the gatekeeping step. The HEA is free, takes 90 minutes, and unlocks the bigger rebates plus free LEDs and weatherstripping installed during the visit.

Does Mass Save cover boilers and furnaces?

Mass Save no longer rebates fossil-fuel heating equipment under the current program rules. Eligible heating systems are heat pumps, heat pump water heaters, geothermal, and high-efficiency hot water heating in qualifying scenarios.

What happens if my rebate amount is less than the contractor quoted?

Pro Build offers a Mass Save rebate guarantee — if your installation does not qualify for the rebate amount on our quote, we credit the difference. The rebate amount on our written estimate is the rebate you receive.

Can I combine Mass Save with the federal tax credits?

Yes. Mass Save (state utility-funded) stacks with federal Inflation Reduction Act credits 25C ($2,000 heat pump), 25D (30% geothermal/solar), and 30D (EV credit). See our federal credits guide.

Does Mass Save fund electric panel upgrades?

Indirectly, yes. When a panel upgrade is required to enable electrification (heat pump, EV charger, induction range), the panel-upgrade cost can be covered under the Mass Save income-eligible electrification track or partially rebated under standard tier.

How long is the typical Mass Save rebate timeline?

On-site visit + estimate within 1 week. Permit + Mass Save pre-approval within 2 weeks. Installation 1–4 days for service-scope. Third-party verification within 2 weeks of install. Rebate posts 4–8 weeks after commissioning. Total: 2–3 months from quote to rebate-in-hand.

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