Chapter 4 · Federal Incentives in 2026 — The Real Picture
4.5 IRA Home Energy Rebates (HEEHRA / HER)
If your household income is below 150% of your state's Area Median Income (AMI), you can stack:
- Heat Pump HVAC: up to $8,000
- Heat Pump Water Heater: up to $1,750
- Electrical Panel Upgrade: up to $4,000
- Whole-home insulation + air sealing: up to $1,600
- Electrical wiring upgrades: up to $2,500
Each state launches the program on its own timeline (California, New York, Massachusetts and a few others are live; most other states open during 2026).
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4.4 MACRS accelerated depreciation (commercial only)
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4.6 SRECs — Solar Renewable Energy Credits (select states)
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Questions after reading this section? Send us your utility bill — we will come back within one business day with a recommendation specific to your situation.