Mass Save in 2027: What Changes and What Doesn't

Checked 2026-11-13 against the Mass Save program pages linked in each section.

Four Mass Save incentives change on January 1, 2027: the air source, air-to-water and ground source heat pump rebates go down, and the HEAT Loan term narrows for some borrowers. Everything else Mass Save lists, including the windows, heat pump water heater, cooktop and insulation offers, has no 2027 figure on its program page yet. Those pages only describe 2026 purchases, so nothing in this guide treats a 2026 amount as a 2027 promise.

This applies if your town is served by Eversource, National Grid, Unitil or Berkshire Gas. Mass Save is not statewide, and municipal light plant towns are handled differently.

The whole 2027 picture in one table

Program	2026	On or after January 1, 2027	Source
Air source heat pump, whole-home	$2,650 per ton, up to $8,500	$2,350 per ton, up to $7,500	Mass Save
Air source heat pump, partial-home	$1,125 per ton, up to $8,500	$1,000 per ton, up to $7,500	Mass Save
Air-to-water heat pump	$2,650 per ton, up to $8,500	$2,350 per ton, up to $7,500	Mass Save
Ground source heat pump, whole-home	$13,500 per home	$12,000 per home	Mass Save
HEAT Loan	0%, up to $25,000, 7-year maximum	0%, up to $25,000; 7 years for income-verified or qualified-area customers, 5 years for others	Mass Save
Windows	$75 per ENERGY STAR Most Efficient window	No 2027 figure posted	Mass Save
Heat pump water heater	$750 per unit, $1,500 per split system	No 2027 figure posted	Mass Save
Induction cooktop	$500 (electric radiant $250)	No 2027 figure posted	Mass Save
Insulation and air sealing	75 to 100 percent off approved work	No 2027 change stated	Mass Save

"No 2027 figure posted" is not the same as "unchanged." It means Mass Save's page is silent, so check the page again when you sign a contract for work that will finish after December 31, 2026.

Heat pumps: the install date sets the rate

Mass Save pays the heat pump rebate on the date the equipment is installed, not the date you sign. A 3-ton whole-home air source system earns $7,950 if it is installed in 2026 and $7,050 if it is installed in 2027, using the per-ton rates in the table (3 tons times $2,650, and 3 tons times $2,350). That is $900 for a job that slips by a few days. The 2026 vs 2027 heat pump rebate guide owns the full breakdown, including the sizing and weatherization bonuses and the serial number photo that every application has needed since October 1, 2026.

Ground source drops further in dollars. Mass Save's ground source page lists the whole-home rebate at $13,500 per home in 2026 and $12,000 per home for projects installed on or after January 1, 2027, a $1,500 difference. The page gives no 2027 partial-home or income-based amount, so those are open questions rather than cuts. Our geothermal heat pump guide covers the rest of the economics.

Air-to-water systems follow the air source numbers: $2,350 per ton, capped at $7,500 for 2027 installs.

The HEAT Loan: 7 years narrows from January 1, 2027

The loan stays at 0% and keeps its $25,000 lifetime cap. What changes is the term. Mass Save's financing page says that effective January 1, 2027, 7-year terms are available to income-verified customers or customers in qualified areas, and 5-year terms to customers who are not income qualified. The approved term is set during the lender's application review.

The HEAT Loan lender page still says the current maximum is 7 years and that the Program Administrators are exploring income-based limits. Read together, 7 years is the 2026 maximum and the 2027 narrowing is stated on the financing page. Based on simple division, a $19,500 balance at 0% is about $232 a month over 7 years and about $325 a month over 5 years. Our HEAT Loan guide walks through eligibility, the lifetime cap and the application.

What has not changed, and the deadline that matters

Mass Save's windows, heat pump water heater and cooktop pages each describe purchases or installs from January 1 through December 31, 2026, and require the application by February 28, 2027:

• Windows: $75 per window, ENERGY STAR Most Efficient (northern region), replacing single-pane windows. See the windows rebate guide.
• Heat pump water heaters: $750 per unit, installed by a licensed plumber between January 1 and December 31, 2026.
• Cooktops: $500 for induction, purchases made in 2026.

For all three, a 2026 purchase or install keeps its 2026 rules even though the paperwork can arrive in early 2027. The February 28, 2027 date is a paperwork deadline for 2026 work, not a 2027 rebate period. Heat pump projects installed in 2026 follow the same rule: install by December 31, 2026, and the form and documents must reach Mass Save by February 28, 2027.

Insulation and air sealing stay at 75 to 100 percent off approved work for 1 to 4 unit homes after a Home Energy Assessment, with no stated 2027 change.

What to do before December 31

1. Heat pump jobs: get a written install date. If the install slips into January, the lower rate applies.
2. Windows, water heater, cooktop: buy and install in 2026 if you want the 2026 amounts, then file by February 28, 2027.
3. HEAT Loan: if you want the 7-year term and you are not income verified, ask your lender in writing whether your loan closes under the 2026 or 2027 term.
4. Everything else: recheck the Mass Save page on the day you sign. Mass Save notes that offers are subject to change or cancellation.

Frequently asked questions

Is the Mass Save heat pump rebate going down in 2027? Yes. For projects installed on or after January 1, 2027, Mass Save lists the whole-home rebate at $2,350 per ton, capped at $7,500, down from $2,650 per ton, capped at $8,500, in 2026. The partial-home rebate drops from $1,125 to $1,000 per ton, capped at $7,500.

Will the windows rebate still be $75 in 2027? Mass Save has not posted a 2027 windows amount. Its page says the $75 rebate is good for purchases from January 1, 2026 through December 31, 2026. Check the page again before a 2027 purchase.

Does the HEAT Loan term change in 2027? Mass Save's financing page says that from January 1, 2027, 7-year terms go to income-verified customers or customers in qualified areas, and 5-year terms to customers who are not income qualified. The rate stays 0% and the cap stays $25,000.

Can I still claim a 2026 rebate in 2027? Yes, if the equipment was installed or purchased in 2026. Mass Save needs the rebate form and documents by February 28, 2027, and heat pump applications need the outdoor unit serial number and a nameplate photo.

Does any of this apply in a municipal light plant town? Generally not for the electric rebates. Light plant customers qualify for some programs only through natural gas service from a Mass Save sponsor. See which towns have no Mass Save path.

Get quotes before the rate drops

If you are pricing a heat pump, windows or a water heater, ask each contractor for a written install date and whether the quote assumes the 2026 or 2027 rebate, and whether it includes the Mass Save paperwork. Get quotes for your project and compare them side by side, or browse the Massachusetts HVAC directory.