Mini-split rebates by state.
Federal 25C ended in 2025. State HOMES, HEAR, and utility programs are still active in 2026. Look up your zip to see what's available.
Installed in 2025? You can still file 25C on IRS Form 5695 by April 15, 2026.
Look up rebates in your zip
Enter your zip code to see HOMES, HEAR, and state tax credits where you live. Verified against state energy offices.
What changed in 2026
The federal 25C tax credit ended on December 31, 2025. The Section 25D credit for geothermal ended the same day. Both were repealed under the One Big Beautiful Bill Act.
If you installed a qualifying system in 2025, you can still claim 25C on your 2025 return using IRS Form 5695. The deadline to file is April 15, 2026.
For 2026 installations, the money comes from two IRA-funded programs that the federal government routes through state energy offices: HOMES and HEAR. The amount you get, and whether you get anything at all, depends on your state and your income.
HOMES and HEAR
HOMES
The energy-savings rebate. Up to $8,000 for a heat pump that hits a measured or modeled energy-savings threshold compared to your existing system. No income cap to participate. Administered by your state energy office, so the application path and the exact dollar amount differ by state.
HEAR
The electrification rebate for lower-income households. If your household income is under 80% of your area's median income (AMI), HEAR can cover 100% of the project, capped at $8,000 for a heat pump plus separate caps for panel and wiring upgrades. Households at 80–150% AMI get 50% covered.
On a single project, you pick one or the other, not both.
What your equipment needs to qualify
HOMES, HEAR, and the major utility rebate programs require Energy Star certification plus minimum efficiency ratings. Thresholds split by climate zone:
| Rating | South | North |
|---|---|---|
| SEER2 | 15.2 | 16.0 |
| HSPF2 | 7.5 | 8.1 |
| EER2 | 10.0 | 9.0 |
Cold-climate programs (Mass Save, Efficiency Maine, NHSaves, Efficiency Vermont, NYSERDA cold-climate adder) require a NEEP-listed cold-climate heat pump with rated capacity retention at 5°F. Zone Air systems are Energy Star certified, NEEP cold-climate listed, and reach 24 SEER2, above every threshold in the table.
How a rebate actually gets paid
Four artifacts every HOMES and HEAR application requires:
- A participating contractor. HOMES and HEAR require an installer on the state's approved list. Self-install does not qualify.
- An AHRI certificate matching the exact outdoor + indoor unit combination, printed from ahridirectory.org.
- The itemized invoice from your contractor showing labor and equipment broken out.
- The equipment spec sheet showing SEER2, HSPF2, EER2, and the NEEP listing for cold-climate programs.
Utility rebates that pay through the contractor (not the homeowner) require a contractor enrolled in the utility's trade-ally network. They ask for the same four artifacts above.
HEAR and a growing number of HOMES rebates apply at point of sale: your contractor discounts the invoice and gets reimbursed by the state directly. Older programs reimburse the homeowner after install. Published turnaround windows run 6 to 12 weeks.
The two failure modes that get applications denied: oversized systems that fail a Manual J load calculation (use the sizing calculator before you order), and a contractor who didn't pre-register the job with the state energy office.
Questions about which Zone Air system qualifies?
Our team can confirm eligibility, pull the AHRI certificate and spec sheet your state office needs, and walk you through which programs stack in your zip.