Mass Save updated its residential heat-pump program effective January 1, 2026. The changes are mostly tightening, with some genuine upside for low-income households.
Rebate caps
- Whole-home conversion: $2,650 per ton, capped at $8,500 (down from $10,000 in 2024).
- Partial-home: $1,125 per ton, capped at $8,500.
- Ductless retrofit: same per-ton math, same $8,500 ceiling.
Refrigerant rules
R-410A is out for new equipment. Mass Save now requires either R-32 or R-454B refrigerants. Both have lower global-warming potential than R-410A. Practically: most Mitsubishi, Senville and Daikin cold-climate models we install already use R-454B; the rest are getting refreshed in spring 2026.
HEAT Loan terms by income
The 0% APR HEAT Loan up to $25,000 is still there, but now has income-tiered repayment terms:
- Under 60% of state median income: 10-year term
- 60%–120%: 7-year term
- Over 120%: 5-year term (was 7)
This matters for cash flow: a $25,000 loan over 5 years is $416/mo vs $208/mo over 10 years. We help every customer pick the term that fits their bill replacement.
What we’re seeing in practice
Most of our 2026 customers are landing in the partial-home tier ($1,125/ton, around 4–5 tons, so $4,500–$5,600 rebate). Whole-home conversions usually need ductwork sealing or new electrical service, which adds cost but unlocks the full $8,500. The math is still strongly positive against oil and propane.