Who qualifies for Mass Save® rebates?

All Massachusetts residents with an active electric or gas utility account with a Mass Save® sponsor qualify for the 75% rebate. Households at or below 60% of Area Median Income, or enrolled in LIHEAP, Section 8, or a utility discount rate, qualify for 100% coverage.

Does Mass Save® pay for spray foam?

No. Mass Save® rebates target approved cellulose, fiberglass, and rigid foam weatherization measures. Spray foam, when it's the right product, is performed out-of-pocket — often alongside rebated measures in the same project.

Do I need a Home Energy Assessment?

For most rebated measures, yes. The assessment is no-cost and takes 1–2 hours. For pure spray foam or non-rebated work, we can quote directly.

How is the HEAT Loan structured in 2026?

0% APR, up to $25,000. Term depends on household income: 7 years below 135% SMI (~$112K/yr for a family of 4), 5 years at 135–300% SMI, 3 years above.

Is the federal 25C tax credit still available?

No. It expired December 31, 2025. For 2026, Mass Save® is the primary Massachusetts incentive. Solar and storage have separate programs (SMART, ConnectedSolutions).

How long does the whole process take?

Assessment: typically within 2 weeks of scheduling. Proposal: 1–3 days after assessment. Installation: most jobs within 2–4 weeks of contract signing. Rebate processing: applied at invoice (you never wait for a check).

Mass Save® Rebates 2026 | 75% Off Insulation & Air Sealing in Massachusetts

Mass Save® Rebates in Massachusetts

All Massachusetts customers qualify for 75% off qualifying insulation and air sealing under Mass Save®. Income-eligible households pay nothing. Smooth does the weatherization and handles the paperwork — same crew does your non-rebated spray foam, too.

What Mass Save® actually covers

Mass Save® is a joint program of Massachusetts electric and gas utilities. It rebates residential weatherization measures that have been recommended by a no-cost Home Energy Assessment or scoped by a Direct Weatherization Independent Installation Contractor.

What's rebatable:

Air sealing — attic-plane, rim joists, top plates, chases. Typically covered at 100% in the first visit for small leaks, then on the full project estimate.
Attic insulation — blown cellulose, fiberglass, or rigid foam to current R-value targets.
Wall insulation — dense-pack cellulose, injected fiberglass, or drill-and-fill.
Basement / rim-joist insulation — rigid foam board or dense-pack.
Pre-weatherization barrier mitigation — knob-and-tube replacement, vermiculite removal, asbestos abatement.

Important: Mass Save® does not rebate spray foam insulation as a standalone measure. If spray foam is the right product for your home (cathedral ceilings, rim joists, underside of roof deck), it's a premium out-of-pocket upgrade — we often perform it alongside rebated air sealing and cellulose in the same job.

How it works with Smooth

We schedule your Mass Save® Home Energy Assessment (no cost), or for direct weatherization, we scope it ourselves as an aligned contractor.
You get an itemized proposal showing what's rebated (75% off) and what's out-of-pocket.
We complete the work, submit the paperwork, and you pay only the 25% residual on rebated items plus any non-rebated upgrades.
Optional: finance your portion at 0% through the HEAT Loan (up to $25,000, 3–7 year term by income tier).

What changed in 2026

The federal Section 25C Energy Efficient Home Improvement Credit expired on December 31, 2025, and was not renewed. For 2026 projects there is no federal tax credit for insulation — Mass Save® is the primary Massachusetts incentive. The HEAT Loan remains at 0% APR.

Mass Save® Rebates in Massachusetts

What Mass Save® actually covers

How it works with Smooth

What changed in 2026

Mass Save Questions, Answered

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