EmPower+ is New York State’s income-eligible clean energy program, helping qualifying homeowners and renters lower utility bills, improve year-round home comfort, and eliminate energy waste with fully funded or heavily discounted upgrades.
Free Home Energy Assessment: Free comprehensive home energy assessments to spot drafty areas and safety risks.
Home Improvements: No-cost or low-cost air sealing, attic/wall insulation, and weatherization to stop heat loss.
Free Efficient Appliance Upgrades: Replacement of inefficient older refrigerators and freezers with ENERGY STAR® models, plus LED lighting and water-saving fixtures.
Clean Heating & Cooling Upgrades: Direct funding for high-efficiency cold-climate heat pumps and heat pump water heaters (which heat and cool your home without fossil fuels).
Substantial Incentives: Eligible households receive 50% to 100% coverage on project costs, with incentives ranging from $6,000 up to $14,000, based on household income.
See if you qualify based on this NYSERDA income calculator. If you receive assistance such as HEAP, SNAP, TANF, or SSI, you may qualify for no-cost home energy improvements. Learn more here.
Comfort Home
If your household exceeds the income thresholds for EmPower+, you can still save thousands on home comfort and energy efficiency through package rebates and tax credits. NYSERDA’s Comfort Home Program offers pre-designed "seal and insulate" package rebates to help New York State homeowners eliminate drafty rooms, reduce energy waste, and lower utility bills without any household income restrictions.
Key Benefits:
No Household Income Limits: Open to owners of 1-4 family homes regardless of income level.
Package Rebates: Incentive packages range from $1,000 up to $3,000 based on the package tier selected.
Home Improvements: Covers comprehensive draft sealing, attic and rim joist insulation, exterior wall/floor insulation, and ENERGY STAR® window upgrades.
Clean Heat Pump Prep: Reduces heating and cooling loads so equipment operates efficiently, and unlocks additional NYS Clean Heat rebates when pairing or adding clean heat pump systems within 24 months.
Explore Comfort Home Packages.
Low-Interest Financing Options:
To help pay for remaining project costs or larger upgrades, New York State and local partners offer specialized low-interest loans.
On-Bill Recovery Loan: A NYSERDA loan where monthly payments are built directly into your utility bill. Payments are structured so they do not exceed your estimated monthly energy savings, meaning your energy savings essentially pay for the work!
Smart Energy Loan: Flexible financing from $1,500 to $25,000 with terms of 5, 10, or 15 years. Interest rates range from 3.49% to 7.49%.
Commercial PACE Financing: Commercial properties and non-profits can access Property-Assessed Clean Energy (PACE) financing through the Energy Improvement Corporation (EIC).