Financial Incentives & Energy Programs Made Simple

Discover state rebates, tax credits, and grants to lower your utility bills and make your home more comfortable. Unsure what you qualify for? We’ll check for you.

EmPower+ & Weatherization Assistance Program (WAP):

EmPower+ and WAP are New York State’s primary income-eligible programs designed to cover all or a significant portion of home energy improvements for qualified homeowners and renters.

• Best for: Low-to-moderate income homeowners and renters.

• Key Benefits:

  • Free or heavily discounted home energy improvements

  • No-cost insulation, air sealing, and health/safety checks

  • Free upgrades to energy-efficient appliances and heating systems

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.

Comfort Home Program (Package Rebates):

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.

• Best for: All homeowners looking to fix drafty rooms and improve comfort.

• Key Benefits:

  • Up to $5,000 in regional rebates for insulation and air sealing

  • Extra incentives when pairing insulation with clean heat pump systems

  • Customized upgrade packages tailored to your budget

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).