State-Incentivized Home Upgrades
By Ruthie Oland, Keller Williams Realty
Published in Northampton Living | November 2025
Ruthie Oland
Realtor
413 923 2344
ruthieoland@kw.com
While federal subsidies for home upgrades are waning, Massachusetts continues to lead the way with robust state-supported incentives that help homeowners improve their properties affordably and sustainably.
Below are six key Massachusetts programs that benefit homeowners considering energy efficiency, health, and safety improvements—while also boosting resale value.
Mass Save Insulation and Air Sealing
Rebates covering up to 75% or even 100% of insulation and air sealing costs depending on income.Mini-Split Heat Pumps and Fossil Fuel Transition
Up to $10,000 rebates for installing mini-split heat pumps, with higher incentives for fossil fuel phase-out.Lead Paint Windows and Doors: Interest-Free Loan
“Get the Lead Out” offers low- or zero-interest loans of up to $45,000 for owner-occupants.Septic System Replacement Tax Credit
A Massachusetts tax credit of up to $6,000 spread over four years for septic system replacements.Solar Energy Systems
State tax credit worth 15% of net cost (up to $1,000) plus property and sales tax exemptions for solar.Electric Vehicle Charger Installation
Rebates and incentives for residential EV charger installations, enhancing property convenience.
In summary, Massachusetts homeowners enjoy strong state incentives for insulation, clean heating, lead paint remediation, septic upgrades, solar energy, and EV infrastructure. These programs increase comfort, safety, and efficiency while boosting resale potential—even as federal support diminishes.
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