Total Home Upgrade Calculator

Select the upgrades you're considering. See your combined rebate stack and what you'd actually pay per month.

Bundle stacking combines multiple home energy upgrades into a single project to maximize your total rebate amount. By grouping a heat pump, insulation, and water heater into one scope of work, homeowners can unlock rebates from HEAR, their utility company, and state programs simultaneously -- often covering 50-80% of the installed cost.

Quick bundles -- one click to explore popular combinations

Weatherization Package
3 items
Installed cost$6,500
Rebates (under 80% AMI)− $3,275
Net cost$3,225
15-yr lifetime savings$9,750
Full Electrification
4 items
Installed cost$19,300
Rebates (under 80% AMI)− $21,340
Net cost$0 (fully covered)
15-yr lifetime savings$42,000
Most popular
Comfort Upgrade
3 items
Installed cost$14,175
Rebates (under 80% AMI)− $16,425
Net cost$0 (fully covered)
15-yr lifetime savings$23,250

Your household income (affects HEAR rebate eligibility)

Heating & Hot Water
Efficiency & Envelope
Power & Electrification
Appliances

Your Upgrade Summary

2 projects selected

Gross cost
$16,500
Combined rebates
− $16,350
Net cost
$150
Estimated monthly payment
$2/mo

Based on 7.99% APR, 10-year term. Actual rate varies by lender and credit profile.

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Est. annual energy savings$1,600/yr
Simple payback period0 years

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Enter your ZIP and income to verify your specific rebates.

Note: Federal IRA 25C and 25D tax credits expired December 31, 2025 and are not included. HEAR and utility rebates shown are illustrative examples. Federal HEAR heat-pump rebates now require electric heat or new construction (DOE guidance 26-2), so a swap from a gas or oil furnace may not qualify; enter your ZIP and heating details in the full check to see what actually applies to your home.

Important Notice

All rebate and incentive amounts shown on this page are estimates based on publicly available government program data. WattGap is an independent informational platform and is not affiliated with any government agency or rebate program administrator.

These estimates are not guarantees. Actual rebate amounts, eligibility requirements, and program availability vary by state, utility, and individual circumstances, and may change without notice. Program funding may be limited or exhausted.

Before making purchasing decisions based on rebate availability, verify current program details, eligibility requirements, and available amounts directly with your state energy office or utility provider.

Data Sources

WattGap is an independent platform and is not endorsed by or affiliated with any data provider listed above. For full methodology details, see our Methodology page.

WattGap

Data: Rewiring America, utility programs, state energy offices (June 2026). Estimates only. Actual rebates vary by location.

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