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Missouri: the utilities pay, mostly on the bill, and the federal rebates are not here yet.
Missouri runs no state rebate for home upgrades, its home energy audit deduction expired in 2020, and its federal rebates are still waiting for approval. What pays now is the utilities: Ameren Missouri and Evergy put their heat pump rebates inside on-bill Pay As You Save programs, Spire pays for efficient gas equipment, and the city utilities in Springfield and Columbia run their own. Here is each program, read off its own pages.
Updated . The Department of Natural Resources’ programs, Ameren Missouri, Evergy, Spire, City Utilities of Springfield and Columbia Water & Light, with Liberty, Independence and the co-ops in a table; see “Not covered yet” for the rest.
The short version
The federal rebates are not approved yet
Missouri applied in November 2024 and is still waiting for federal approval; the state says the rebates may not open until 2027 at the earliest. Where they stand. The state’s home energy audit deduction expired in 2020.
source · verified 3 October 2026
Ameren’s $2,000 is a PAYS rebate
Ameren Missouri pays $2,000 toward an air-source heat pump in 2026 only inside Pay As You Save: the rebate cuts the cost and the balance goes on your bill with 3% interest. Gas-heated homes must keep the furnace.
source · verified 3 October 2026
Weatherization is 200% of poverty: $66,000 for four
Free weatherization through 18 local agencies. Spire’s page shows $64,300 for four under a 2026 heading.
source · verified 3 October 2026
Statewide
The Department of Natural Resources’ programs, and the tax deduction that ended.
HOMES and HEEHR
not launched
Federal money is set aside but not released; the state expects 2027 at the earliest.
Where it stands →
Weatherization
free
Insulation, air sealing and heating repairs up to 200% of poverty, through 18 agencies.
Income limits →
Energy audit tax deduction
expired 2020
Up to $1,000 a year, or $2,000 on a combined return, until it expired.
What happened →
Your electric utility
Heat pump money in Missouri comes from the utility that delivers your power, and at Ameren Missouri and Evergy it comes through an on-bill program.
| Utility | Heat pump | How it is paid | Insulation |
|---|---|---|---|
| Ameren Missouri | $2,000 air-source, $5,000 ground-source, $500 a ton mini-split | Through Pay As You Save only; balance on the bill at 3% | Attic $0.20 a sq ft, air sealing $0.06, within PAYS |
| Evergy | Up to $1,000 for central air, says Evergy; no Missouri table | FastTrack HVAC PAYS; balance on the bill plus a 3% fee | Whole Home PAYS takes no new applications |
| City Utilities of Springfield | $400 to $500; geothermal $1,025; no mini-splits | Rebate check; Manual J required | 20% of the cost, up to $500 |
| Columbia Water & Light | $800 or $1,200; electrification $1,200 | Rebate check; final mechanical permit | — |
Ameren’s and Evergy’s charges are tied to the meter or the house, not to you; the next owner or tenant takes over any balance.
source · verified 3 October 2026
Ameren Missouri
up to $5,000
$2,000 for an air-source heat pump, inside Pay As You Save; gas homes keep the furnace.
How PAYS works →
Evergy
up to $1,000
Only through FastTrack HVAC PAYS; Evergy’s heat pump chart is for Kansas.
What it pays →
City Utilities of Springfield
$400 to $1,025
Central heat pumps and geothermal; mini-splits excluded; insulation 20% up to $500.
What it pays →
Columbia Water & Light
$800 to $1,200
For replacing an existing system, plus a separate electrification rebate.
What it pays →
Gas
Missouri’s gas utilities still pay for efficient gas equipment; none of them pays toward a heat pump.
| Gas utility | Furnace | Insulation | Worth knowing |
|---|---|---|---|
| Spire (St. Louis and Kansas City areas) | $200 (92%) or $300 (96%) | $0.40 a sq ft, up to $750 | Prepaid card valid six months; program year October to September |
| Liberty gas (Missouri and Empire District Gas forms) | $200 to $300 by efficiency | — | Water heaters $125 or $200; thermostat $50 or $25 by form |
| City Utilities of Springfield gas | $350 (95%) or $400 (96%) | 20% up to $500 | Gas water heaters $250 |
Spire also runs Pay As You Save with Ameren Missouri and Evergy, and finances gas equipment up to $15,000; it says it does not finance heat pumps.
source · verified 3 October 2026
Smaller utilities and co-ops
Missouri’s other utilities set their own rebates. These are read off their own pages and filings; many more are not covered yet.
| Utility | What it pays | Worth knowing |
|---|---|---|
| Liberty (Empire District Electric, southwest Missouri) | Smart thermostat instant rebates online; free Energy Upgrade program for income-eligible customers through 2026 | Its MEEIA Cycle 2 plan, from 1 April 2025, has no residential HVAC rebate; the “Save up to $550” offer was the earlier cycle |
| Independence Power & Light | Heat pumps $259 to $701, central air $109 to $384, heat pump water heater $300 | Its heat pump form is rated in SEER, EER and HSPF, not SEER2; IndependenceHELP loans up to $15,000 |
| Cuivre River Electric Cooperative | Dual-fuel heat pump $300 a ton (existing fossil backup) or $500 (new backup); geothermal $750 a ton new, $150 replacement | Heat pump water heater 50% up to $750, including replacing gas |
| White River Valley Electric Cooperative | Same Take Control & Save rates since 1 July 2025; weatherization 50% up to $750 after a co-op audit | Its page still mentions a federal tax credit, which ended with 2025 |
Read 3 October 2026. The co-op rates are from the Take Control & Save program of the Associated Electric co-ops; each co-op sets its own.
source · verified 3 October 2026
Which income line applies
Missouri programs use two yardsticks. Figures are for a household of four.
| Program | Income test | Family of four | Status |
|---|---|---|---|
| Weatherization | 200% of the federal poverty guidelines | $66,000 | Open |
| Ameren CommunitySavers | 80% of area median income or 200% of poverty | By county, or $66,000 | Open to 31 December 2026 |
| Liberty Energy Upgrade | Income-eligible, through local agencies | Agency decides | Through 2026 |
| HOMES and HEEHR | Not set | — | Not launched |
source · verified 3 October 2026
What closed, and what you will still be told to apply for
- Federal Energy Efficient Home Improvement Credit (25C) — ended for improvements after 31 December 2025. What it paid.
- Federal Residential Clean Energy Credit (25D) — ended for solar, batteries and geothermal placed in service after 31 December 2025. What it paid.
- Missouri HOMES and HEEHR — not launched; still awaiting federal approval. Where they stand.
- Missouri home energy audit deduction — expired 31 December 2020. What it was.
- Evergy Whole Home PAYS — no new applications; heating and cooling go through FastTrack.
- Liberty’s residential HVAC rebate — not in its current efficiency plan.
Not covered yet
The state programs, Ameren Missouri, Evergy, Spire, City Utilities of Springfield and Columbia Water & Light are here, with Liberty, Independence and two co-ops in a table. Still missing:
- Ameren Missouri’s gas customers (no current gas rebate page found) and Evergy’s income-eligible programs.
- Columbia’s heat pump water heater, attic and loan offers, which its site would not serve to us.
- Most electric co-ops and the other municipal utilities, such as Kirkwood, Rolla, Hannibal and Poplar Bluff.
- Residential clean energy (PACE) districts and city home repair programs in Kansas City and St. Louis.
Questions people in Missouri actually ask
Are there heat pump rebates in Missouri in 2026?
Yes, from utilities, not the state. Ameren Missouri pays $2,000 toward an air-source heat pump, but only through its Pay As You Save program, which puts the balance on your bill. Evergy offers rebates only through FastTrack HVAC PAYS. City Utilities of Springfield pays $400 to $500, Columbia Water & Light $800 or $1,200, and electric co-ops in the Take Control & Save program pay by the ton for dual-fuel and geothermal systems. The federal rebates have not launched and the federal tax credit ended with 2025.
Has Missouri launched the HOMES and HEAR rebates?
No. Missouri sent its application to the U.S. Department of Energy in November 2024 and in August 2026 said it was still waiting for federal approval and funding. The Department of Natural Resources says the rebates may not be available until 2027 at the earliest and possibly 2028. Missouri calls the appliance rebate HEEHR.
Who qualifies for free weatherization in Missouri?
Homeowners, and renters with the landlord’s permission, with household income up to 200% of the federal poverty guidelines: $66,000 a year for a family of four in 2026. Households on SSI or TANF qualify automatically. Apply to the local weatherization agency for your county.
Does Missouri still have a tax deduction for energy audits?
No. The deduction for a certified home energy audit and the upgrades it recommended expired on 31 December 2020 under section 143.121 of Missouri’s statutes. The 2018 claim form is still online, but the 2025 tax forms have no line for it.
How do Ameren Missouri's PAYS rebates work?
After a free assessment, or a FastTrack contractor’s visit for heating and cooling, Ameren takes its rebate off the project cost and you repay the rest through a fixed charge on your electric bill, with 3% interest. The charge stays with the meter if you move. A home that heats with gas or propane must keep that heat as primary or backup.
Does Spire give rebates for gas furnaces?
Yes. Spire pays $300 for a 96% gas furnace and $200 for 92% up to 96%, plus $200 to $350 for a gas water heater, on a prepaid card that expires after six months unless you ask for a check. A licensed contractor must install the equipment.