Mini split rebates 2026.

Yes. While the federal 25C tax credit was repealed at the end of 2025, state HOMES rebates (up to $8,000), HEAR income-qualified rebates (up to 100% of project cost), and local utility rebates ($300–$1,500) are all active in 2026. Most rebate programs are now state-administered, so amounts and eligibility vary by location.

Most homeowners can stack a state HOMES rebate (up to $8,000), a local utility rebate ($300–$1,500), and any state-specific tax credit (e.g. New York 25%, up to $5,000). Combined savings typically range from $1,500 to over $10,000 depending on system size, household income, and state. Income-qualified households under 80% AMI can have up to 100% of project costs covered through HEAR.

HOMES (Home Owner Managing Energy Savings) is an Inflation Reduction Act-funded rebate program providing up to $8,000 for qualifying heat pump installations, including ductless mini-splits. It is administered by individual state energy offices. Rebates require modeled or measured energy savings versus the existing system, and are live in roughly 23 states as of early 2026.

HEAR (High-Efficiency Electric Home Rebate Act) is an income-based companion to HOMES. Households under 80% of Area Median Income (AMI) can have 100% of project costs covered (up to program caps); households at 80–150% AMI can have 50% covered. HEAR specifically targets electrification of low- and moderate-income homes. Check with your state energy office for AMI tables.

Most utility and state rebate programs require a SEER2 rating of 15.2 or higher for ductless mini-splits in southern climates and 16.0+ in northern climates, with HSPF2 of 7.5+ and EER2 of 10.0+. Cold-climate rebates typically require NEEP-listed cold climate heat pumps. Zone Air systems reach up to 24 SEER2 with NEEP cold-climate listing, exceeding most program thresholds.

Most state HOMES rebates can be stacked with local utility rebates, and both can be combined with state tax credits where available. HOMES and HEAR generally cannot be stacked on the same project (you choose one). Always confirm stacking rules with your state energy office before you purchase, since rules vary by program.

Yes. Zone Air ductless mini-split heat pumps are Energy Star certified, NEEP cold-climate listed, and reach up to 24 SEER2 with operation down to -13°F — qualifying for HOMES, HEAR, most utility programs, and state-specific incentives. Eligibility still depends on installation requirements (e.g. proper sizing, contractor certifications) which vary by program.

The fastest way is the Rewiring America IRA Calculator, which returns federal, state, and local incentives by zip code. The DSIRE database (dsireusa.org) covers state-level renewable and efficiency incentives. The Energy Star Rebate Finder lists product-specific utility rebates. We link all three below.

Most rebate programs reward properly sized systems — oversized units fail Manual J load calculations and may be disqualified. Use our free mini-split sizing calculator to find the right BTU capacity for your home, then compare it against your state's rebate eligibility tiers.

No. The federal Energy Efficient Home Improvement Credit (Section 25C) was repealed by the One Big Beautiful Bill Act, effective December 31, 2025. The Section 25D Residential Clean Energy Credit (geothermal) also expired. If you installed a qualifying system in 2025 or earlier, you can still claim the credit on that year's tax return. For 2026 installations, savings come from state HOMES/HEAR rebates and local utility incentives.