Fix First Home › Maryland › BGE Smart Energy Savers rebates
BGE Smart Energy Savers rebates open
Administered by Baltimore Gas and Electric (BGE), under EmPOWER Maryland, through participating contractors.
BGE's Home Performance program pays up to $10,000, at 75% of the cost, for insulation, air sealing and equipment modeled to save energy, and up to $15,000 when the project switches a gas, oil or propane furnace, boiler or water heater to a heat pump. Heat pump water heaters get up to $1,600, and moderate-income customers pay an estimated $250 to $750.
source · verified 3 October 2026 · amounts in US dollars
What it pays
| Upgrade | Condition | Amount |
|---|---|---|
| Home Performance project | Attic air sealing and R-49 insulation, plus equipment, windows or water heaters; 75% of cost, by modeled savings | $10,000 |
| Home Performance project with fuel switching | Switching a combustion-fuel furnace, boiler or water heater to a heat pump; 75% of cost | $15,000 |
| Duct sealing | $750 with air sealing and insulation | $500–$750 |
| Smart thermostat | Professionally installed; up to three | $100 |
| Heat pump water heater | Select ENERGY STAR models, instant | $1,600 |
| Home preparation when switching from gas, oil or propane | 75% of the cost | $1,500 |
| Tier | Work | You pay (BGE's estimate) | Value | With the bonus for switching to electric |
|---|---|---|---|---|
| Tier 1 | Air sealing and insulation | ~$250 | Up to $5,000 | — |
| Tier 2 | Plus a heat pump water heater | ~$500 | Up to $7,500 | Up to $12,500 |
| Tier 3 | Plus an HVAC system | ~$750 | Up to $10,000 | Up to $15,000 |
The audit costs $100, which BGE calls a $400 value, or nothing at moderate incomes; BGE says completed audits lead to rebates averaging $3,000. The switching bonus applies when gas, oil or propane systems are replaced with electric ones.
Who is eligible
| People in household | Minimum | Maximum |
|---|---|---|
| 1 | $74,801 | $93,500 |
| 2 | $85,451 | $106,813 |
| 3 | $96,151 | $120,188 |
| 4 | $106,801 | $133,500 |
| 5 | $115,351 | $154,720 |
| 6 | $123,901 | $177,440 |
| 7 | $132,451 | $200,160 |
| 8 | $141,001 | $222,880 |
- who
- BGE residential electric or gas customers, whatever their supplier, working with a Home Performance participating contractor.
- equipment rebates
- Heating and cooling, windows, doors and water heater rebates need attic air sealing and R-49 attic insulation in the same project.
- below these incomes
- DHCD's EmPOWER Limited Income program, free.
Where the application goes
Choose a participating contractor and book the audit; the contractor handles the rebates, which show on the contract price.
| If this is you | Apply here |
|---|---|
| Home Performance rebates | bgesmartenergy.com |
| Income-based savings | bgesmartenergy.com |
| BGE Smart Energy Savers | 1-877-685-7377 |
The thing most pages get wrong
BGE's heating and cooling page still offers 'grants up to $3,000 for installing new geothermal systems' from the Maryland Energy Administration. MEA says fiscal 2026 was the program's final year: requests passed its $150,000 budget, the portal closed, and the deadline was 27 February 2026.
Two rates for one loan
BGE lists the state's BeSMART loan at a 4.99% fixed rate for ten years; DHCD's own page, and Pepco's, say 6.99%. BGE also says the Clean Energy Advantage loan was 'extended through December 31, 2025', while the Maryland Clean Energy Center still offers it while funds last.
Switching pays more
The $15,000 cap applies only when the project replaces a gas, oil or propane furnace, boiler or water heater with a heat pump; otherwise the most is $10,000.
Sources
- https://bgesmartenergy.com/residential/help-me-save/home-performance/rebates — primary source, read 3 October 2026
- https://bgesmartenergy.com/residential/help-me-save/home-performance
- https://bgesmartenergy.com/residential/income-based-rebates-home-energy-improvements
- https://bgesmartenergy.com/residential/electrification
- https://bgesmartenergy.com/residential/rebates-and-discounts/heat-pump-water-heater
- https://bgesmartenergy.com/residential/help-me-save/heating-cooling