Insulation Rebate Directory: Federal, State, and Utility Programs

Federal — always available

Energy Efficient Home Improvement Credit (25C): 30% of insulation and air-sealing materials, up to $1,200 per year. Renewable annually through 2032.

HOMES rebate program (IRA-funded, state-administered): up to $4,000 per household for whole-home retrofits that model or measure 20%+ energy savings.

HEEHRA (High-Efficiency Electric Home Rebate Act): up to $1,600 for insulation, air sealing, and ventilation for households at or below 150% area median income.

State rebate programs (representative sample)

California — CEC Equitable Building Decarbonization: insulation stacked with heat pump rebates for LMI households

New York — NYSERDA EmPower+: up to $10,000 in insulation and air sealing for eligible homeowners and renters

Massachusetts — Mass Save: 75–100% off insulation and air sealing after a free home energy assessment

Texas — Oncor Take a Load Off Texas: rebates for attic insulation and duct sealing in the Oncor service territory

Illinois — Ameren Illinois Energy Efficiency: instant insulation discounts through participating contractors

Georgia — Georgia Power Home Energy Improvement Program: $250–$1,750 for insulation upgrades

North Carolina — Duke Energy Home Energy Rebates: insulation rebates tied to duct sealing and heat pump installs

Colorado — Xcel Energy Home Energy Squad: insulation, air sealing, and heat pump rebates bundled

Minnesota — CenterPoint Energy Home Rebates: insulation and air sealing rebates for gas-heated homes

How to stack incentives without disqualifying yourself

Order matters: get any required home energy assessment BEFORE work starts. Most utility rebates require a pre-audit.

Federal 25C can stack with utility rebates. HOMES cannot stack with HEEHRA for the same measure — pick one.

Keep every itemized receipt with the R-value on it. IRS 25C claims require the manufacturer product line for materials over $600.

Ask the contractor whether they file rebate paperwork on your behalf; many do at no extra cost.