IRA Home Energy Rebate Calculator 2026 (HEAR & HOMES)
Estimate 2026 home energy rebates under state HEAR and HOMES programs: heat pump, water heater, panel, wiring and insulation amounts by income tier.
Estimate scope & data quality
This tool provides an input-driven estimate. Use the required inputs shown above and review the result limitations below.
- Data quality
- NOT_AVAILABLE
- Result limitation
- Calculator output is not a source-complete customer result.
A tariff credit is distinct from annual savings. If a result is NOT_COMPUTABLE or CONFLICT, it must not be replaced with an estimate or treated as canonical.
How to use this calculator
- Enter your total annual household income (all members of the household).
- Choose your household size — area median income (AMI) limits scale with household size.
- Enter your county's AMI for a 4-person household from your state HEAR program site or HUD's income limits; the calculator adjusts it for your household size.
- Enter the quoted cost of each upgrade you plan (heat pump, heat pump water heater, electrical panel, wiring, insulation/air sealing). Leave unused items at $0.
- Your income tier and estimated HEAR rebates appear instantly. Confirm that your state's program is open and its exact rules before you sign a contract.
Understanding your results
What is left in 2026: The federal home energy tax credits are gone for 2026 projects. The One Big Beautiful Bill Act (Public Law 119-21, signed July 4, 2025) ended §25C (efficiency improvements) and §25D (the 30% residential solar, battery and geothermal credit) for projects completed after Dec 31, 2025, and §30D/§25E EV credits for vehicles acquired after Sep 30, 2025 (IRS FAQ). The IRA’s two state-administered rebate programs, HEAR and HOMES, were not repealed. They pay out only where your state has launched a program and still has funds.
HEAR (Home Electrification and Appliance Rebates): Point-of-sale rebates for income-qualified households, based on your area median income (AMI):
- At or below 80% AMI: up to 100% of project cost, subject to the caps below.
- 80–150% AMI: up to 50% of project cost, subject to the same caps.
- Above 150% AMI: not eligible for HEAR.
HEAR caps: heat pump for heating/cooling up to $8,000; heat pump water heater up to $1,750; electrical panel (load center) upgrade up to $4,000; electrical wiring up to $2,500; insulation, air sealing and ventilation up to $1,600. HEAR also covers electric stoves/cooktops and heat pump clothes dryers (up to $840 each). The overall cap is $14,000 per household. States may set their own eligible-equipment lists, contractor rules and timing, so final amounts depend on the state program.
HOMES (Home Efficiency Rebates): Performance-based rebates for whole-home retrofits, sized by modeled or measured energy savings. Typical amounts are about $2,000 for 20–35% savings and $4,000 or more for 35%+ savings, with higher amounts for lower-income households. You generally cannot use HEAR and HOMES for the same upgrade.
How this calculator estimates: It adjusts your 4-person AMI with HUD’s standard household-size factors (1 person 70%, 2 people 80%, 3 people 90%, 4 people 100%, then +8% per additional person), assigns your tier, and applies the percentage and caps above to each upgrade, then the $14,000 overall cap. It does not estimate HOMES, which requires an energy assessment. Check your state energy office or DSIRE for program status.
Frequently asked questions
Direct answers for US homeowners.
Related guides
In-depth articles on sizing, costs, and energy decisions.