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IRA Rebate Calculator — Inflation Reduction Act 2026

Check your IRA rebate eligibility in 2026. See income tiers, rebate amounts for heat pumps, EVs and solar under the Inflation Reduction Act.

✓ Updated June 2026 ✓ EIA & NREL data ✓ 30% federal ITC included

· Reviewed by Green Energy Calculators Editorial Team

Up to $8k Heat pump
30% Solar ITC
Up to $1.6k Insulation
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Income tier
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Heat pump rebate
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EV tax credit
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Solar ITC
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How to use this calculator

  1. Enter your total annual household income (combined if filing jointly).
  2. Enter your household size — this affects the Area Median Income (AMI) thresholds that determine your eligibility tier.
  3. Adjust the state median income factor if you know your state's AMI is above or below the national average.
  4. Your income tier, heat pump rebate amount, EV credit and solar ITC appear instantly.
  5. Use the results as a starting point — consult your state energy office for exact program availability.

Understanding your results

Two separate IRA programs: The IRA created two distinct incentive structures. (1) The High-Efficiency Electric Home Rebate Act (HEEHRA) provides direct upfront rebates to income-qualified households. (2) The Energy Efficient Home Improvement Credit (25C) and Residential Clean Energy Credit (25D) are tax credits available to all income levels.

HEEHRA income tiers: Rebates are based on Area Median Income (AMI) for your county. Households below 80% AMI receive the maximum rebate (100% of equipment cost, up to caps). Households at 80–150% AMI receive 50% of costs covered. Above 150% AMI, only tax credits apply — no direct rebates.

Key HEEHRA caps (2026): Heat pump HVAC: up to $8,000 for ≤80% AMI. Heat pump water heater: up to $1,750. Electric panel upgrade: up to $4,000. Weatherisation: up to $1,600. EV charger: up to $840. Total HEEHRA cap: $14,000 per household.

Solar ITC is not income-restricted: The 30% Residential Clean Energy Credit (Section 25D) for solar panels, battery storage and wind is available to all taxpayers regardless of income. It requires sufficient tax liability to use the credit — the credit can be carried forward for up to 5 years if not fully usable in year one.

State programs stack on top: Many states administer their own rebate programs funded by IRA money. Contact your state energy office or visit dsireusa.org to find programs in your area.

Frequently asked questions

Direct answers for US homeowners.

IRA HEEHRA rebates are income-restricted. The income limits are based on Area Median Income (AMI) for your county. For maximum rebates (100% coverage up to caps), your household income must be at or below 80% of AMI. For partial rebates (50% coverage), income must be 80–150% of AMI. A 3-person household at the national median AMI of roughly $80,000 would typically fall in the 80–150% AMI tier, qualifying for 50% rebates. Check your specific county AMI at HUD's income limits database.

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