Mass Save Rebates Quincy MA — Complete 2026 Guide for Homeowners
Heat Pump Rebates · 0% HEAT Loan · Up to $8,500 Back on Qualifying Installation
Everything Quincy homeowners need to know about Mass Save heat pump rebates, the 0% HEAT Loan, and how to claim up to $8,500 back on a qualifying installation.
Mass Save Rebates Quincy MA Explained for Homeowners in 2026
Mass Save is Massachusetts’ statewide energy efficiency program a collaboration between the state’s gas and electric utilities to help homeowners reduce energy consumption through rebates, loans, and free energy assessments. For Quincy residents, Mass Save is administered through National Grid your electric and gas utility.
In 2026, Mass Save matters more than it ever has for one specific reason: the federal 25C energy efficiency tax credit expired on December 31, 2025 and has not been renewed. The credit that was providing homeowners with up to $2,000 back on qualifying heat pump installations is gone. Mass Save is now the only significant financial incentive available to Quincy homeowners replacing a heating or cooling system.
And it is a significant incentive. Up to $8,500 in rebates on a qualifying heat pump installation paid directly to your contractor and deducted from your invoice, so you never handle the rebate money yourself. Plus a 0% interest loan up to $25,000 to finance whatever remains.
The critical mistake most Quincy homeowners make is assuming the rebate process is complicated. It is not when you work with a Mass Save participating contractor. We handle everything. You make one decision and pay one net number.
2026 Mass Save Rebate Amounts Exact Figures for Quincy MA
These are the accurate 2026 program year rates administered through National Grid. Note: One competitor in Quincy is currently showing $3,000/ton on their website that figure is from the 2025 program year and is no longer accurate. The correct 2026 rate is $2,650/ton.
| Rebate Type | Amount | Notes |
|---|---|---|
| Standard Rebates Available to All Income Levels | ||
| Heat Pump Base Rebate | $2,650 per ton | Applied to all installed capacity |
| Maximum Base Rebate | $8,500 | Cap for standard income households |
| Right Sizing Bonus | $500 | System sized per Manual J load calculation |
| Weatherization Bonus | $500 | When combined with qualifying air sealing |
| Maximum Total Standard Rebate | $9,500 | Base rebate + both bonuses |
Standard Rebates Available to All Income Levels
| Rebate Type | Amount | Notes |
|---|---|---|
| Heat Pump Base Rebate | $2,650 per ton | Applied to all installed capacity |
| Maximum Base Rebate | $8,500 | Cap for standard income households |
| Right Sizing Bonus | $500 | System sized per Manual J load calculation |
| Weatherization Bonus | $500 | When combined with qualifying air sealing |
| Maximum Total Standard Rebate | $9,500 | Base rebate + both bonuses |
| Enhanced Rebates Income Qualifying Households | ||
| 1 to 2 People | Up to ~$72,000/year | Up to $16,000 |
| 3 to 4 People | Up to ~$88,000/year | Up to $16,000 |
| 5+ People | Up to ~$104,000/year | Up to $16,000 |
| Low Income Program Specific | Contact National Grid | Up to full installation cost |
Income thresholds are approximate. Exact eligibility depends on current program requirements and is confirmed during the rebate application process.
0% HEAT Loan
| Feature | Detail |
|---|---|
| Maximum Loan Amount | $25,000 |
| Interest Rate | 0% No interest charged |
| Repayment Term | Up to 7 years |
| Who Administers | National Grid / Participating Lenders |
| What It Covers | Heat pump installation, weatherization, and related energy upgrades |
| Combined With Rebate | Yes rebates reduce the total project cost, while the HEAT Loan can cover the remaining balance |
| Incentive | Status |
|---|---|
| What Is NOT Available in 2026 | |
| Federal 25C Tax Credit | Expired December 31, 2025 not renewed |
| Federal IRA Heat Pump Credit | Program status uncertain confirm with tax advisor |
| MassCEC Rebates Separate Program | Check masscleanenergy.org separate from Mass Save |
Want to know your exact rebate before committing to anything?
We calculate it based on your specific home, system size, and income eligibility in writing, before you sign anything.
(617) 928 8469 Book Your Rebate Assessment No obligation · Rebate calculation included · Net cost shown in writingReal Rebate Math What Quincy Homeowners Actually Pay
Numbers mean more when they’re attached to real scenarios. Here are three typical Quincy homes with the actual math:
Scenario 1: Adams Shore Oil Heat Home Switching to Heat Pump
| Heat Pump Installation Gross | $11,200 |
| Mass Save Rebate 2 tons × $2,650 | −$5,300 |
| Right Sizing Bonus | −$500 |
| Net Cost to Homeowner | $5,400 |
| 0% HEAT Loan If Needed | Up to $5,400 at 0% interest |
| Annual Oil Cost Eliminated | −$2,600/year |
| Annual Electric Cost Heat Pump | +$880/year |
| Annual Savings | $1,720/year |
| Payback Period | ~3.1 years |
Scenario 2: North Quincy Condo Adding Heating and Cooling in One System
| Heat Pump Installation Gross | $5,800 |
| Mass Save Rebate 1 ton × $2,650 | −$2,650 |
| Net Cost to Homeowner | $3,150 |
| Electric Baseboard Heating Cost Eliminated | −$1,400/year |
| Annual Electric Cost Heat Pump Heating | +$420/year |
| Annual Savings on Heating Alone | $980/year |
| Payback Period | ~3.2 years |
Scenario 3: West Quincy Ranch Replacing Gas Furnace + Adding Cooling
| Ducted Heat Pump Installation Gross | $12,500 |
| Mass Save Rebate 2.5 tons × $2,650 | −$6,625 |
| Right Sizing Bonus | −$500 |
| Net Cost to Homeowner | $5,375 |
| Gas Furnace Replacement Cost Alternative | $4,800 |
| Central AC Addition Alternative | $5,200 |
| Cost of Replacing Both Separately | $10,000 |
| Savings vs Replacing Both Separately | $4,625 |
What Qualifies for Mass Save Rebates in Quincy MA
Not every heat pump qualifies. Here is exactly what does and doesn’t:
| Qualifying Systems | Minimum Efficiency | Notes |
|---|---|---|
| Ductless Mini Split Heat Pump | ≥ 15 SEER2, ≥ 8.5 HSPF2 | Must be heat pump capable not AC only |
| Multi Zone Ductless Heat Pump | ≥ 15 SEER2, ≥ 8.5 HSPF2 | Each zone counted toward tonnage |
| Ducted Central Heat Pump | ≥ 15 SEER2, ≥ 8.5 HSPF2 | Must replace a heating system |
| Cold Climate Air Source Heat Pump | ≥ 15 SEER2, ≥ 10 HSPF2 | Higher rebate eligibility in some cases confirm current requirements |
| Ground Source Heat Pump Geothermal | Program Specific | Contact National Grid for current program details |
| Non Qualifying Systems | Rebate Status | Notes |
|---|---|---|
| Standard Central AC Cooling Only | No Heat Pump Rebate | May qualify for smaller efficiency incentives |
| Gas Furnace Replacement | Not Eligible | No Mass Save rebate for fossil fuel systems |
| Oil Furnace Replacement | Not Eligible | Switching to heat pump may qualify |
| Window AC Units | Not Eligible | Not included in heat pump programs |
| Mini Split AC Only No Heat | Not Eligible | Must include heat pump capability |
How the Mass Save Rebate Process Works Step by Step
The Mass Save rebate process may seem complicated at first, but understanding each step makes it easier for Quincy homeowners to access available heat pump incentives and energy saving programs.
Step 1 Schedule a Mass Save Home Energy Assessment Optional but Recommended
National Grid offers free home energy assessments through Mass Save. An assessor reviews your home’s insulation, air sealing, and heating and cooling systems to identify eligible improvements. While the assessment is not required for the heat pump rebate, it may help homeowners discover additional incentives for insulation and weatherization upgrades.
Step 2 Get a Written Quote from a Mass Save Participating Contractor
A qualified contractor evaluates your home, determines the correct system size using proper load calculations, and provides a written estimate showing equipment cost, applicable rebates, and expected out of pocket expenses. The selected heat pump system should meet current program efficiency requirements.
Step 3 Approve the Quote and Schedule Installation
After reviewing and approving the proposal, the installation date is scheduled. Required permits are handled before work begins, and special considerations such as outdoor unit placement may be reviewed for properties with historic district requirements.
Step 4 Installation Day
The heat pump system is installed, tested, and commissioned to ensure proper operation. Coastal properties may require additional equipment protection and maintenance considerations due to salt exposure and environmental conditions.
Step 5 Mass Save Rebate Paperwork Submission
Required rebate documentation, including equipment details, installation information, and efficiency specifications, is submitted through the Mass Save program process. Homeowners should keep copies of all project documents for their records.
Step 6 Pay the Remaining Project Cost
After applicable incentives are applied, homeowners pay the remaining balance based on the final project agreement. Available financing options such as the HEAT Loan may help cover qualifying remaining costs.
Step 7 Rebate Processing
After submission, the rebate application is reviewed by the program administrator. Processing times vary depending on application volume and documentation requirements. Homeowners receive confirmation once the rebate has been approved and processed.
The rebate process is zero paperwork for you when you work with a participating contractor.
(617) 928 8469 We handle Steps 2 through 7. You make one decision.
Mass Save and Quincy’s Specific Housing Situation
Quincy’s housing stock creates specific Mass Save opportunities that homeowners in newer suburbs don’t have in the same concentration:
Oil Heat Homes in Adams Shore, Squantum, and Houghs Neck
These neighborhoods have among the highest concentrations of oil fired heating systems in Quincy older Beckett and Riello burner systems paired with warm air furnaces or steam radiators. For these homeowners, switching to a heat pump with Mass Save rebates eliminates the fuel delivery dependency entirely while qualifying for the maximum rebate. The annual savings on heating oil ($1,500–$3,000/year depending on consumption) produce payback periods of 2–5 years on the net installation cost.
Pre 1940 Homes with No Existing Ductwork
The 37%+ of Quincy homes built before 1940 with cast iron radiators and no duct infrastructure qualify for ductless heat pump mini splits that are fully Mass Save rebate eligible. These are the homes that need heat pumps most no existing AC either and benefit most from the rebate. A 3 zone ductless system providing whole home heating and cooling for a net cost of $4,000–$7,000 after rebates is one of the best value propositions in home improvement in Massachusetts in 2026.
Coastal Properties Needing Equipment That Lasts
Mass Save rebates apply to high efficiency cold climate heat pumps the same equipment we recommend for Quincy’s coastal neighborhoods because it is also the most robust in salt air environments. Mitsubishi Hyper Heat and Daikin Aurora series units that qualify for the full rebate are also the brands with the strongest coastal performance record. The rebate and the right equipment for Quincy’s coast point to the same systems.
Real Job, Real Result Before & After
Case Study 1: First Time Mass Save Claimant Houghs Neck, Quincy MA
The Situation
A homeowner in Houghs Neck had been heating their 1952 Cape with oil for 23 years. With annual oil costs reaching approximately $3,100, they had heard about Mass Save rebates but assumed the process was too complicated and never applied. They contacted us to understand whether the rebate process was really as simple as explained.
The Process
A home assessment was completed, the system requirement was confirmed through proper load calculation, and a written proposal was provided showing gross installation cost, rebate amount, and final homeowner cost. Installation was completed in one day, and rebate paperwork was submitted after completion.
| Mitsubishi 2 Zone Heat Pump Gross | $12,400 |
| Mass Save Rebate 1.75 tons × $2,650 | −$4,638 |
| Right Sizing Bonus | −$500 |
| Net Cost | $7,262 |
| Financed via 0% HEAT Loan | $7,262 over 7 years = $86.45/month |
| Annual Oil Cost Eliminated | $3,100 |
| Annual Electric Cost Added | $1,050 |
| Monthly Net Savings | $171/month |
After
The homeowner’s monthly savings exceeded the HEAT Loan payment from day one. The project became cash flow positive immediately, while the homeowner avoided the paperwork burden they originally expected.
Case Study 2: Income Qualifying Enhanced Rebate Germantown, Quincy MA
The Situation
A Germantown homeowner contacted us about installing a 2 zone ductless heat pump. Their household income qualified for the enhanced Mass Save rebate, but they were unaware of the additional assistance available. Another contractor had provided a quote without discussing enhanced rebate eligibility.
The Process
During the assessment, household size and income eligibility were reviewed. The homeowner qualified for the enhanced rebate program, which provided significantly higher assistance than the standard rebate amount.
| Item | Standard Rebate | Enhanced Rebate |
|---|---|---|
| System Gross Cost | $9,800 | $9,800 |
| Mass Save Rebate | −$5,300 | −$9,800 |
| Net Cost to Homeowner | $4,500 | $0 |
After
Full heat pump installation at zero net cost to the homeowner through the enhanced rebate program. The homeowner eliminated $1,800/year in heating costs. The competing contractor’s quote which missed the enhanced rebate entirely would have cost the homeowner $4,500 they were entitled to have covered. Income eligibility check takes five minutes. We do it on every assessment.
(617) 928 8469 One call starts the process.
Book Your Rebate Assessment Income eligibility checked · Zero paperwork for you · Net cost provided in writingMass Save Rebate vs. No Rebate The Full Comparison
| Factor | With Mass Save Rebate | Without Any Rebate |
|---|---|---|
| Typical Heat Pump Gross Cost | $10,000–$15,000 | $10,000–$15,000 |
| Rebate Applied | −$2,650 to −$8,500 | $0 |
| Typical Net Cost | $1,500–$12,350 | $10,000–$15,000 |
| 0% HEAT Loan Available | Yes | No |
| Federal 25C Tax Credit 2026 | Expired | Expired |
| Paperwork With Participating Contractor | None | None |
| Processing Time | 4–6 Weeks | N/A |
| Who Qualifies | Any Quincy homeowner replacing heating/cooling equipment | N/A |
| Income Enhanced Rebate | Up to $16,000 | N/A |
What Quincy Homeowners Say About the Mass Save Process
I’d been putting off the heat pump because I thought the rebate paperwork would be a nightmare. They filed everything. I just paid the net amount. It really was that simple.
Nobody else I called mentioned the enhanced rebate. These guys checked our income eligibility and our installation ended up costing almost nothing. I couldn’t believe it.
The written quote showed the gross cost, the rebate, and what I’d actually pay. No surprises. The rebate came through exactly as quoted.
Got Questions?
We’re happy to help. If you can’t find the info you’re looking for, please don’t hesitate to reach out to us!
How much is the Mass Save heat pump rebate in Quincy MA in 2026?
The 2026 rate is $2,650 per ton of installed heat pump capacity, up to a maximum of $8,500 for standard income households. Add the $500 right sizing bonus and $500 weatherization bonus and the maximum standard rebate reaches $9,500. Enhanced rebates up to $16,000 are available for income qualifying households. These amounts are administered through National Grid for Quincy residents and are accurate as of August 2026.
Is the federal 25C tax credit still available in 2026?
No. The federal 25C energy efficiency tax credit expired on December 31, 2025 and has not been renewed as of August 2026. Mass Save through National Grid is the primary financial incentive currently available to Quincy homeowners. If you have questions about federal tax credits, consult a tax advisor we cannot provide tax advice.
Do I have to fill out any forms to get the Mass Save rebate?
Not when you work with a Mass Save participating contractor. We file the rebate application with National Grid on your behalf including all installation documentation, equipment specifications, and load calculation records. You approve the installation quote, we complete the work, and you pay the net amount. National Grid processes the rebate directly with us.
How long does it take to receive the Mass Save rebate?
National Grid typically processes approved rebate applications within 4 to 6 weeks of a complete submission. We submit the application immediately after installation completion. We follow up on any processing delays and handle any National Grid documentation requests. You receive confirmation when processing is complete.
Can I get the Mass Save rebate if I already had a heat pump installed?
Retroactive rebates for already completed installations are generally not available. Mass Save rebates apply to new installations filed through a participating contractor. If you have a heat pump installed recently without a participating contractor filing the rebate, contact National Grid directly at nationalgridus.com to determine whether any retroactive filing option exists for your situation.
Does my income level affect the rebate amount?
Yes significantly. The standard rebate caps at $8,500. Income qualifying households can receive enhanced rebates up to $16,000 in some cases covering the full installation cost. We check income eligibility on every assessment visit. Bring a recent pay stub or prior year tax return to the assessment if you think you might qualify for enhanced rebates the verification process is straightforward.
What is the 0% HEAT Loan and how does it work?
The HEAT Loan is a zero interest financing option available through National Grid and Mass Save for qualifying energy efficiency improvements. You can borrow up to $25,000 at 0% interest and repay over up to 7 years. The rebate reduces your gross installation cost first. The HEAT Loan then covers the remaining net balance if needed. For most Quincy heat pump installations, the combination of rebate plus HEAT Loan means the monthly payment is less than the monthly energy savings from switching off oil or gas.
Does a ductless mini split qualify for the Mass Save rebate?
Yes as long as it is a heat pump capable model that provides heating and cooling and meets the minimum efficiency ratings of 15 SEER2 and 8.5 HSPF2. AC only ductless mini splits do not qualify. All mini splits we install in Quincy are heat pump capable by default. The equipment cost difference is minimal and the rebate eligibility difference is $2,650 to $8,500.
Can I combine the Mass Save rebate with other incentives?
The Mass Save rebate can be combined with the Mass Save weatherization rebate including insulation and air sealing and the right sizing bonus. It cannot currently be combined with the expired federal 25C tax credit. For any other state or local incentives, check masscleanenergy.org or contact National Grid directly. Program stacking rules can change and we recommend confirming current combinations with National Grid at the time of your assessment.
Ready to find out exactly what your Quincy home qualifies for? Call (617) 928-8469 to schedule your in-home assessment. We size the system, check standard and enhanced eligibility, and provide a written quote showing the gross cost, rebate, and estimated out-of-pocket cost.
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