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IRA Appliance Rebate Calculator 2025

Enter your household income and state to see exactly how much you can claim in federal tax credits and HEEHRA point-of-sale rebates for each appliance you plan to buy.

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Step 1 — Your household

Filing status
50% HEEHRA eligible — income $75k–$140k qualifies for half the rebate amount.

Step 2 — Which appliances?

Select every appliance you plan to purchase or upgrade
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Methodology & assumptions

Federal tax credit amounts reflect current 25C and 30D limits under the Inflation Reduction Act through 2032. The 25C Energy Efficient Home Improvement Tax Credit caps at $1,200/yr for most measures (with a separate $2,000 cap for heat pumps). HEEHRA rebate amounts use the statutory maximums; actual amounts depend on your state program's rules and whether you are at 80% or 150% area median income.

State rebate amounts shown are representative program amounts for states with active programs as of 2025. Many states have not yet launched their HEEHRA programs; amounts and eligibility rules vary by utility and income level. Always confirm current availability directly with your state energy office or utility.

Income tier thresholds in this calculator use $75,000 and $140,000 as approximate proxies for the HEEHRA 80% AMI and 150% AMI thresholds, which vary by location. Visit huduser.gov to look up your area's exact median income limits.

Frequently asked questions

What is the IRA and how does it affect appliance rebates?

The Inflation Reduction Act (IRA), signed in August 2022, allocated $4.5 billion for the High-Efficiency Electric Home Rebates Act (HEEHRA) program and expanded the 25C Energy Efficient Home Improvement Tax Credit. Together, these programs cover heat pumps, water heaters, EVs, wiring, and more through 2032.

What's the difference between a tax credit and a rebate?

A tax credit reduces your federal income tax bill dollar-for-dollar when you file your return (you must owe taxes to benefit). A rebate is a point-of-sale discount that lowers the purchase price immediately, regardless of your tax situation. HEEHRA rebates are especially valuable for lower-income households.

How do I know if I qualify for HEEHRA rebates?

HEEHRA is income-capped. Households at ≤80% area median income (AMI) receive 100% of eligible costs as rebates. Households at 80–150% AMI receive 50% of eligible costs. Households above 150% AMI are not eligible for HEEHRA but can use the 25C tax credit. Look up your area's AMI at huduser.gov.

Can I combine IRA federal credits with state rebates?

Yes — in most cases, federal tax credits and state/utility rebates can be stacked. For example, California's TECH Clean California rebate can be combined with the federal 25C heat pump credit. Check your state program's terms, as some require the rebate to be deducted from the cost basis before calculating the federal credit.

When will HEEHRA rebates be available in my state?

HEEHRA rebates are administered by each state's energy office. States must apply for federal funds and set up their own programs. As of mid-2024, roughly a dozen states have launched programs; the remainder are expected to launch on a rolling basis through 2025–2026. Track your state's status at rewiringamerica.org.

Are there rebates for home electrical panel upgrades?

Yes. The IRA 25C credit covers 30% of the cost of a new or upgraded electrical panel (breaker box) up to $600, when it's needed to support an eligible electrification project like a heat pump or EV charger. HEEHRA also includes panel upgrades as a standalone eligible improvement for income-qualified households.

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