Mass Save Programs in 2026

With the warmer months coming and the opportunities to do more home upgrades, I thought it would be a great time to discuss all the Mass Save offerings available to Massachusetts homeowners that are National Grid and Eversource customers in towns across the state from West Newbury, Amesbury & Boxford to Malden, Melrose & Woburn. With the lack of Federal tax credits effectively gone, these MA state programs are more valuable than ever.

While electrifying your home might sound like a stretch with MA having some of the highest electric rates in the country, it's important to remember that that isn't going to get any better - owning solar is going to become a necessity in the near future, so you might as well get a jump start on those savings and then start to electrify your home. If you already own solar or want to see what's available this year from Mass Save as far as savings, rebates or freebies go, here's a current list of the offerings in 2026:

🔥 Heat Pumps

Heat pumps have been around for decades but most people are still just hearing about them and for good reason, the technology has changed a great deal over the years! Over the past 5-10 years they've become the go to for most new construction in the US. A heat pump is typically 2-4x more efficient than other forms of heating and cooling your home.

Heat pumps can be ducted or use "mini-splits" and installed in basically any home. They work by "pumping" heat from one source to another. We'll let This Old House give the specifics but for the average home owner, it's good to know these systems are usually moving heat from "air to air" (like an air conditioner), "air to water" or "ground to water." The air solutions are great for duct-work and mini-splits but the water systems are amazing for retrofitting oil or gas powered radiator heating systems. You can't get AC that way, but you could add a separate system for that. 

• Whole-home heat pumps: up to $2,650 per ton (max $8,500)

• Partial-home systems: up to $1,125 per ton (max $8,500)

• Basic upgrades: ~$250 per ton (max $2,500)

• Income-based incentives: up to $16,000 or potentially no-cost installs

💧 Heat Pump Water Heaters

These use the same technology as HVAC heat pumps but to warm your domestic hot water. They use 4x less electricity than an electric resistance hot water heater, saving you hundreds per year.

• Rebates available for ENERGY STAR systems installed in 2026 (Jan 1 – Dec 31)

• Must replace an existing system or be part of new construction

🧱 Insulation, Air Sealing & Weatherization

Heat pumps are great but they don't operate and blazing hot (inefficient) temperatures like gas and oil boilers or furnaces do so they are only effective if the home they're in is propery insulated and relatively tight (air sealed). You don't need a brand new or super tight home for them to work but if you live in drafty home, the most efffective upgrade you can make to your home is some insulation and air sealing - the cheapest and best ROI project of all of these!

• Incentives available after a Home Energy Assessment

• Can significantly reduce heating/cooling costs

• Often bundled with other rebates (especially heat pumps)

• 👉 Income-eligible households may receive No-cost insulation + air sealing upgrades

🪟 Windows, Renovations & Additions

• Typically require completing recommended weatherization first

• Incentives for energy-efficient upgrades during renovations covers: Insulation, HVAC & Water heating

⚡ Equipment & Appliance Rebates

• Room AC rebates are actually pretty good. I highly recommend this approved Midea 12,000 BTU model - it is quieter, more efficient and lets way less hot air in than any other model! I have three of them!

• Smart thermostats are a great way to improve your effeciency too and they always have great rebates available through Mass Save. My personal favorite is the EcoBee, I have one for every zone!

• Electric Lawn Equipment is even included!

📱 Connected Solutions

Mass Save also offers a ton of payment programs to customers that help the grid when it's struggling, either by changing your smart thermostat by a few degrees or by actually feeding energy back into the grid from your battery. Customers can make over $1,000/year by enrolling in all of it - a great way to offset the install cost of batteries and solar.

💰 0% HEAT Loan

The HEAT Loan offers Massachusetts homeowners up to $25,000 in 0% interest financing for energy-efficient home upgrades, including heat pumps, insulation, windows, and water heaters. This makes it easy to combine with rebates, allowing major upgrades with minimal upfront cost.

🧭 Where to Start

Most incentives require or strongly recommend a Free Home Energy Assessment, which you can book on Mass Save's website. Right now, the biggest opportunities are, Heat pumps (especially whole-home conversions), weatherization + insulation (often prerequisite + high ROI), income-based programs (can reduce costs dramatically) & the 0% HEAT Loan to stack with rebates. 

⚠️ Key Notes for 2026 

• Many rebates are explicitly valid for Jan 1 – Dec 31, 2026 installs/purchases

• Electrification focus: fossil fuel systems are being phased out of incentives

• Some older heat pump models lost eligibility after April 1, 2026

Information is Power

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