Fix First Home › United States › New York
New York: the heat pump money is large, and since September it depends on your insulation.
New York’s heat pump incentives run to $12,000 and more, through NYS Clean Heat, which the six regulated electric utilities run to one manual. On 1 September 2026 that manual added a Weatherized Tier that pays up to $5,000 more for an insulated home. The federal rebates pay far less here than rebate sites say, Long Island runs its own program, and most gas utilities have stopped paying for equipment. Here is all of it, read off each administrator’s own pages.
Updated . The state programs, the six Clean Heat utilities, PSEG Long Island, National Fuel, the municipal utilities’ IEEP, New York City’s HomeFix and three co-ops; see “Not covered yet” for the rest.
The short version
Insulate first: it can nearly double the heat pump rebate
Since 1 September 2026, NYS Clean Heat pays a whole-home air-source heat pump that replaces the old heating in a single-family house $7,000 at the standard rate and $12,000 in the Weatherized Tier (National Grid, NYSEG, RG&E, Central Hudson, Orange & Rockland; $10,000 at Con Edison). The tier is for homes built after 2010, homes that finished a qualifying insulation package, and homes whose heating load is low enough. What each utility pays.
source · verified 26 September 2026
The federal rebates pay less than you have read
New York launched HEAR first, but the EmPower+ manual now allows HEAR money only for insulation, air sealing and ventilation, up to $1,600, on projects without a heat pump. The $8,000 heat pump and $14,000 totals on rebate sites come from a 2025 FAQ. HOMES has not launched. Where the HEAR money goes.
source · verified 26 September 2026
Low income: free work, and a heating repair benefit, open since 1 October
Under 60% of state or area median income ($80,160 for four in most upstate counties), EmPower+ does the work free up to $12,000 upstate or $14,000 downstate, plus up to $10,000 for a heat pump. HEAP’s heating equipment benefit, up to $8,000 to replace a furnace or boiler, reopened on 1 October 2026.
source · verified 2 October 2026
Statewide
NYSERDA runs the income-qualified and insulation programs and the loans; the tax department, the credits and exemptions.
EmPower+
free or half price
Insulation, air sealing and heat pumps for households under 80% of median income; up to $14,000, plus $10,000 for a heat pump.
Income lines by county →
Comfort Home
$2,500 to $3,000
Seal-and-insulate packages above EmPower+’s income lines, $2,000 more for windows. Not on Long Island.
The packages →
Weatherization Assistance Program
free
Air sealing, insulation and heating repairs through a county provider, under 60% of state median income.
Income limits →
HEAP heating repair and replacement
up to $8,000
For a low-income homeowner’s broken furnace or boiler, approved first. Open since 1 October 2026.
Who qualifies →
Appliance Upgrade Program
up to $4,000
Federal HEAR money for a heat pump dryer and the panel and wiring it needs, up to 150% of median income.
What it pays →
HEAR and HOMES
partly open
Where New York’s federal rebates are actually paying, and what they are not.
Where it stands →
NYSERDA loans
from 4%
$1,500 to $25,000 over up to 15 years, on your utility bill or separately.
The terms →
Geothermal tax credit
up to $10,000
25% of a ground-source heat pump’s cost, doubled from 1 July 2025.
The rules →
Solar tax credit
up to $5,000
25% of solar equipment at your main home, bought, leased or under a long agreement.
The rules →
NY-Sun
$0.80 a watt
Now mainly for households under 80% of area median income; the standard incentive has ended in Con Edison’s area.
What is left →
Solar and battery tax exemptions
no sales tax
No state sales tax on solar or batteries, 15 years of property tax exemption, and New York City’s 7.5% abatement.
The exemptions →
Your electric utility
Heat pump money comes from the utility that delivers your power. Six of them run NYS Clean Heat to one manual; PSEG Long Island runs its own.
| Utility | Standard | Weatherized Tier | Disadvantaged community, weatherized | Geothermal, weatherized |
|---|---|---|---|---|
| National Grid (upstate) | $7,000 | $12,000 | $14,000 | $23,000 |
| NYSEG and RG&E | $7,000 | $12,000 | $13,000 | $20,000 |
| Orange & Rockland | $7,000 | $12,000 | $14,000 | $23,000 |
| Central Hudson | $7,000 | $12,000 | no separate rate; 85% of cost | $20,000 |
| Con Edison | $7,000 | $10,000 | $11,000 | $30,000, whole building |
| PSEG Long Island | $4,000 | no tier | $5,000; $7,500 at low income | $12,000 to $24,000 by income |
Apartments and homes under 1,000 sq ft get about half. Clean Heat incentives are capped at 70% of the project cost (85% in a disadvantaged community, and anywhere in Central Hudson’s territory). Heat pump water heaters: $1,250 from the upstate utilities, $1,500 at Con Edison until 30 November 2026, up to $1,200 from PSEG Long Island.
source · verified 26 September 2026
Con Edison
up to $11,000
Heat pumps off the invoice, geothermal to $40,000, a $1,500 water heater coupon to 30 November. Weather Ready is closed.
What it pays →
National Grid
up to $14,000
Upstate electric customers; its New York gas rebates have ended.
What it pays →
NYSEG and RG&E
up to $13,000
The same rebates for both, plus up to $2,000 off insulation and air sealing.
What it pays →
Central Hudson
up to $12,000
Incentives may cover up to 85% of the cost anywhere in its territory.
What it pays →
Orange & Rockland
up to $14,000
Plus $85 for a smart thermostat and free conversions on gas mains due for replacement.
What it pays →
PSEG Long Island
up to $24,000
Its own rebates, by income: heat pumps, geothermal, water heaters, insulation after a free assessment.
The tables →
Two utility pages that are out of date
NYSEG’s heat pump page still says up to $10,000 for an air-source heat pump and $18,000 for geothermal; since 1 September NYSEG and RG&E pay up to $12,000 and $20,000 in the Weatherized Tier. Con Edison’s rebate index still offers up to $4,000 to make a home Weather Ready; the program page says it is not taking applications.
source · verified 26 September 2026
Gas
The gas utilities here no longer pay toward gas furnaces and boilers. What is left is insulation, and money to leave gas.
| Gas utility | Gas furnace or boiler | Insulation | Worth knowing |
|---|---|---|---|
| National Fuel (Western New York) | none | $2,500 packages; $2 a sq ft for walls | $200 thermostat; claim 2026 work by 31 March 2027 |
| National Grid gas, downstate and upstate | none | none | Gas rebates and Total Home Comfort ended; EmPower+ for low income |
| Con Edison gas | none | Weather Ready closed | Energy Exchange: up to $10,000 to go electric where the gas line is due for replacement |
| NYSEG and RG&E gas | none | Up to $2,000 | Insulation program open to gas-heated homes |
| Orange & Rockland gas | none | Through Sealed | Electric Advantage on gas mains due for replacement |
source · verified 26 September 2026
City and village utilities, and New York City
Many villages and cities run their own electric systems. They share one rebate program; New York City lends for repairs.
IEEP (municipal electric customers)
75% up to $5,000
Insulation and air sealing each year, plus heat pump and appliance rebates, for villages from Endicott to Lake Placid.
How to apply →
NYC HomeFix
up to $190,000
Repair loans at 0% to 5%, possibly forgivable, for owner-occupants of one- to four-family homes, up to 120% of median income.
Who qualifies →
Municipal customers are outside most state programs
NYSERDA’s Comfort Home gives homes on a municipal electric system only the assessment, and NYS Clean Heat is for the six regulated utilities’ customers. EmPower+ and weatherization still apply. The IEEP pays its rebates itself; send them to the IEEP, not to your village.
source · verified 26 September 2026
Electric co-ops
The rural electric co-ops sit outside Clean Heat. Each sets its own offer.
| Co-op | Heat pump | Worth knowing |
|---|---|---|
| Otsego Electric | Up to $2,500 | Halved if the old heating stays as backup; limited budget |
| Steuben Rural Electric | none | Half of ENERGY STAR windows and doors, to $3,000 a year; appliances 20% to $400 |
| Oneida-Madison Electric | none | One ENERGY STAR appliance a year, including a water heater, 20% to $400 |
| Delaware County Electric | none | Energy tips only |
source · verified 26 September 2026
Otsego Electric
up to $2,500
Toward an air- or ground-source heat pump that becomes the only heat.
The rules →
Steuben Rural Electric
up to $3,000
Half the materials for ENERGY STAR windows and doors, and 20% of appliances.
What it pays →
Oneida-Madison Electric
up to $400
20% of one ENERGY STAR appliance a year, as a bill credit.
The rules →
Which income line applies
Most New York lines are a share of state or area median income, so they differ by county. Figures are for a household of four.
| Program | Income test | Family of four | Status |
|---|---|---|---|
| EmPower+ free tier; Weatherization Assistance | 60% of state or area median income, whichever is higher | $80,160 upstate; $97,200 in New York City | Open |
| HEAP heating repair and replacement | HEAP’s 2026-27 line, monthly | $6,852 a month | Open since 1 October 2026 |
| EmPower+ half-cost tier | 80% of state or area median income | $106,880 upstate; $129,600 in New York City | Open |
| PSEG Long Island low and moderate income | 60% and 80% of area median income | $98,925 and $131,900 | Open |
| Appliance Upgrade Program (HEAR) | 80% (all of the cost) or 150% (half) of area median income | By county | Open |
| NY-Sun Affordable Solar | Under 80% of area median income | By county | Open |
| NYC HomeFix | 120% of area median income | $203,520 | Open |
source · verified 26 September 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.
- HEAR heat pump rebates in EmPower+ ($8,000 heat pump, $14,000 total) — no longer how EmPower+ pays; heat pumps come from state funds. Where the HEAR money goes.
- NY-Sun’s standard residential incentive — closed in Con Edison’s area on 29 May 2025; installers report the last upstate block filled in December 2025. What is left.
- National Grid’s New York gas rebates — the Gas Prescriptive Rebate program is no longer accepting applications, and downstate Total Home Comfort is not taking new ones.
- National Grid’s HEAT program on Long Island — ended 31 October 2025; EmPower+ serves those households now.
- Con Edison Weather Ready — not accepting applications; Con Edison says 2027 incentives will follow.
Not covered yet
The state programs, the six Clean Heat utilities, PSEG Long Island, National Fuel, the IEEP, NYC HomeFix and three co-ops are here. Still missing:
- Each municipal utility’s own extras beyond the IEEP, and NYPA’s programs.
- The smaller gas utilities: Liberty (St. Lawrence Gas), Corning Natural Gas and others.
- County and city home repair programs outside New York City, and the Regional Clean Energy Hubs’ local offers.
- Community solar, and the utilities’ battery and demand response payments beyond a mention.
Questions New Yorkers actually ask
How much is the New York heat pump rebate in 2026?
It depends on your electric utility and, since 1 September 2026, on whether your home counts as weatherized. Under NYS Clean Heat, a whole-home air-source heat pump that replaces the old heating in a single-family house earns $7,000 at the standard rate from every participating utility, and $12,000 in the Weatherized Tier from National Grid, NYSEG, RG&E, Central Hudson and Orange & Rockland ($10,000 from Con Edison). Disadvantaged communities get more. PSEG Long Island pays $4,000 to $7,500 on its own terms. Income-qualified households can get $10,000 for a heat pump through EmPower+.
What is the NYS Clean Heat Weatherized Tier?
A higher heat pump incentive, in effect from 1 September 2026, for homes that are already well insulated: built after 2010, or finished a qualifying weatherization package such as NYSERDA’s Comfort Home, or shown by the contractor’s load calculation to have a low heating load per square foot. It adds $3,000 to $5,000 to a typical single-family project. The contractor decides which tier applies. From 1 March 2028, weatherization becomes a condition of any Clean Heat incentive.
Is the $8,000 HEAR heat pump rebate available in New York?
Not as sites describe it. NYSERDA’s 2025 FAQ listed HEAR money in EmPower+ of up to $8,000 for a heat pump and $14,000 in total. The EmPower+ manual in use now allows HEAR money only for insulation, air sealing and ventilation, up to $1,600, on projects without a heat pump. Heat pumps in EmPower+ are paid from state Sustainable Futures funds instead, up to $10,000. The rest of New York’s HEAR money goes to heat pump dryers, panels and wiring through the Appliance Upgrade Program.
What free home energy upgrades are there for low-income New Yorkers?
EmPower+ does the work free up to $12,000 upstate or $14,000 downstate for households under 60% of state or area median income ($80,160 a year for four in most upstate counties, $97,200 in New York City), and pays half up to $6,000 or $7,000 below 80%. The Weatherization Assistance Program uses the same 60% line. HEAP’s heating equipment benefit repairs or replaces a broken furnace or boiler, up to $8,000; it opened on 1 October 2026.
Does Long Island get NYS Clean Heat rebates?
No. PSEG Long Island, which runs the Long Island Power Authority’s grid, is not part of NYS Clean Heat and pays its own rebates: $4,000 for a whole-house air-source heat pump at market rate, $5,000 in a disadvantaged community or at moderate income, $7,500 at low income, and $12,000 to $24,000 for geothermal. NYSERDA’s Comfort Home insulation packages are not available on Long Island either; PSEG’s own Home Performance rebates cover insulation.
Is there still a solar incentive in New York?
Yes, but not the one most sites describe. The state income tax credit is 25% of the cost up to $5,000. NY-Sun’s per-watt incentive now goes mainly to households under 80% of area median income: $0.80 a watt, or $0.40 on Long Island. Solar equipment is free of state sales tax, and New York City takes 7.5% of the cost off property tax for four years.