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Save Energy Minnesota: HOMES and HEAR rebates not launched
Administered by the Minnesota Department of Commerce, through approved contractors and participating retailers.
Minnesota's federal home energy rebates, branded Save Energy Minnesota, have not launched: Commerce is waiting for the US Department of Energy's approval and gives no launch date. When they open, HEAR will pay up to $14,000 per household below 80% of area median income and $7,000 from 80% to 150%; HOMES up to $12,000 for whole-home savings. Two state programs, a $4,000 heat pump rebate and a $3,000 panel grant, are tied to the same launch.
source · verified 13 October 2026 · amounts in US dollars
What it pays
| Upgrade | Below 80% of area median income | 80% to 150% |
|---|---|---|
| Cold-climate heat pump for heating and cooling | $8,000 | $4,000 |
| Electrical panel (only with another qualifying appliance) | $4,000 | $2,000 |
| Electrical wiring (only with another qualifying appliance) | $2,500 | $1,250 |
| Heat pump water heater | $1,750 | $875 |
| Insulation, air sealing and ventilation | $1,600 | $800 |
| Heat pump clothes dryer or combo washer/dryer | $840 | $420 |
| Electric stove, cooktop, range or oven, replacing a non-electric one | $840 | $420 |
| Maximum per household | $14,000 | $7,000 |
| Household income | 20% to 34% modeled savings | 35% or greater |
|---|---|---|
| Below 80% of area median income | Lesser of $6,000 or 100% of cost | Lesser of $12,000 or 100% of cost |
| 80% to 150% | Lesser of $4,000 or 80% of cost | Lesser of $8,000 or 80% of cost |
| Above 150% | Lesser of $2,000 or 50% of cost | Lesser of $4,000 or 50% of cost |
| Program | Pays | Who |
|---|---|---|
| Residential Heat Pump Rebate | Lesser of $4,000 or the cost left after federal and other rebates | Owner-occupants who first get a HEAR heat pump rebate |
| Residential Electrical Panel Upgrade Grant | Up to $3,000 below 80% of area median income; $2,000 from 80% to 150% | Owners of single-family homes; multifamily up to $50,000 a building |
Commerce's update is dated 12 June 2026 and says new federal rules 'change how the HEAR & HOMES rebates will work in Minnesota'; the tables above are the published design and may change before launch.
Who is eligible
- HEAR
- Household income below 150% of area median income for your county; the 80% line sets the higher amounts. Enrollment in programs such as SNAP, Medicaid or Energy Assistance counts as below 80%.
- HOMES
- Any income, with an energy assessment by an approved contractor using a calibrated BPI-2400 energy model, and modeled savings of 20% or more.
- renters
- Commerce says renters will be able to take part if their landlord gives permission; procedures for rentals are still being set.
- no retroactive HEAR
- Federal rules do not allow HEAR rebates for anything bought before the launch.
Where the application goes
Nothing to apply for yet. Commerce asks residents to subscribe to its consumer announcements and to wait for an approved contractor list.
The thing most pages get wrong
Commerce's own summary of HOMES says the rebate 'can range from $2,000 to $8,000 or more per home', and a contractor's 2026 guide says HOMES offers 'up to $4,000' and 'up to $8,000'. Those are the 80% to 150% income row. Commerce's table pays the lesser of $12,000 or 100% of cost below 80% of area median income when modeled savings reach 35%.
Stoves: replacing gas, not electric
Minnesota's HEAR stove and oven rebate is 'available only when upgrading non-electric appliances', so it is for replacing a gas or propane range, not an electric one. Existing heat pumps are not eligible for replacement.
The state heat pump rebate comes second
To get the state's $4,000, you must first be approved for a HEAR heat pump rebate, own and live in the home, have a Building Analyst energy audit from the last 18 months, and finish the insulation and air sealing the auditor recommends. Air-to-water and ground source heat pumps get HEAR but not the state rebate.
Sources
- https://mn.gov/commerce/energy/consumer/energy-programs/hear.jsp — primary source, read 13 October 2026
- https://mn.gov/commerce/energy/consumer/energy-programs/homes.jsp
- https://mn.gov/commerce/energy/consumer/energy-programs/home-energy-faq.jsp
- https://mn.gov/commerce/energy/consumer/energy-programs/heat-pump.jsp
- https://mn.gov/commerce/energy/consumer/energy-programs/residential-electrical-panel-upgrades.jsp