Guide OverviewChapter 4 · Federal Incentives in 2026 — The Real Picture
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).

Next Step

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