If you are behind on an energy bill in New York, or you can see it coming, there is more help here than most households know about, and it arrives from two directions. Some of it is money toward the bill itself, credited by the company that bills you or paid on your behalf to whoever delivers your heat. The rest pays for work on the house, which goes after what the building uses rather than what you owe this month.
Income decides most of what is on this page, and in New York the door is often a benefit you already hold rather than a form you fill in. The common pattern is a monthly discount run by your own utility, reached through HEAP, SNAP, Medicaid, SSI or one of several others, and a number of utilities say that a HEAP grant landing on an active account enrolls the household without a separate application. For households holding none of those, most of the same utilities run a second, more generous version of the discount tested against income directly, in bands they set themselves. The band decides the size of the credit rather than whether there is one. The statewide programs run on their own test. Each listing gives that program’s own, and the organization running it is the one that applies it.
Which of these reach you depends on who sends your bill, so the page starts by asking for a ZIP code. Energy in New York is billed by a long list of companies, each running its own version of this, and one utility’s program is closed to another utility’s customers. The statewide ones show for everybody. Your ZIP tells us which company serves your address, which is not always the one serving the next town over.
We do not run any of these programs, we do not process applications, and we do not decide who qualifies. Every program sets its own rules and makes its own decision. Each listing links to the organization that runs it, and every amount shown is taken from that program’s own published material as it read when we last checked it. Amounts are reset, seasons open and close, and programs change without telling anyone, so the program’s current terms are the ones that count, and nothing on this page decides whether you qualify.
Help paying an energy bill in New York, and home improvements a program pays for
Three different kinds of help with energy costs in New York. They work differently from one another and they are run by different organizations, so they are kept separate rather than mixed into one list. Holding one does not automatically rule out the others, though a few of these programs do exclude each other, so read the rules of the one you are applying for. Every amount is taken from the program’s own published material as it read when we last checked it. Programs change their amounts and close without notice, so the program’s current terms are the ones that count, and nothing on this page decides whether you qualify.
What do you need?
Help paying your energy bill
Programs that help with an energy bill in New York. Not every listing here is money toward the bill. Where one is a charge you pay rather than a credit or a payment, the listing says so in plain words, and it sits here because a cost landing on this same bill is worth knowing about before it arrives. Each one sets its own rules about who qualifies and makes its own decision — so the only way to find out is to ask them. We do not run these programs, we do not handle applications and we do not decide who qualifies. Every listing links to the organization that does. Confirm the terms with the program before you count on anything.
Consolidated Edison Company of New York, Inc. 4 programs
Consolidated Edison Company of New York, Inc.
Energy Affordability Program (EAP) - Government Assistance Enrollment Pathway
Availability and timing, as we recorded it: No deadline. Enrollment lasts 18 months and you must reapply each year once your enrollment period ends; Con Edison sends a reminder by letter, email and text.
A fixed monthly credit set by tier and by what you heat with, effective 1 February 2026. Electric heat: $33.47 (Tier 1), $80.58 (Tier 2), $126.21 (Tier 3), $121.84 (Tier 4). Electric non-heat: $33.47, $50.66, $73.47, $71.29. Gas heat: $135.24, $167.01, $189.83, $187.65. Gas non-heat: $3 at every tier.
What you heat with matters more here than which tier you land in: gas heating credits start at $135.24 a month and run to $189.83, electric heating starts at $33.47, and gas non-heating service is $3 at every tier. Your tier follows the size of your regular HEAP grant, and the figures carry Con Edison's own effective date of 1 February 2026. Some benefits enroll you automatically — HEAP, Direct Vendor or Utility Guarantee, TANF and Safety Net Assistance — while Medicaid, SNAP, SSI, Lifeline, Federal Public Housing Assistance and Veterans Disability or Survivors Pension qualify you but require you to enroll yourself. This is bill help rather than money toward equipment, enrolling also puts you on Budget Billing once any balance is cleared, and you can opt out of that while keeping the discount.
Program details →Consolidated Edison Company of New York, Inc.
EnergyShare
Availability and timing, as we recorded it: Awarded by season rather than by a published calendar deadline; eligibility turns on holding an active disconnect notice at the time you apply.
Up to $300 toward your bill per year, per EnergyShare season. It is a grant against arrears, not a rate discount and not money toward equipment.
Up to $300 a year against arrears, and the gate is the disconnect notice: you need an active one, plus at least one good-faith payment in the last twelve months, plus eligibility for government assistance or income inside the federal HEAP guidelines. This is a grant against what you already owe — not a rate discount, and not money toward equipment. The money is donated by customers, employees and businesses and matched by Con Edison, which means it is bounded by what was raised rather than by a budget line. The application goes to HeartShare Human Services of New York, not to Con Edison.
Program details →Consolidated Edison Company of New York, Inc.
Enhanced Energy Affordability Program (EEAP) - Income-Eligible Enrollment Pathway
Availability and timing, as we recorded it: No deadline. Enrollment lasts 18 months and must be renewed with a fresh application each year after the enrollment period ends.
A fixed monthly credit by income tier, effective 1 February 2026. Tier 5 (under 60% of area median income): $33.47 electric heat or non-heat, $135.24 gas heat, $3 gas non-heat. Tier 6 (60-80% AMI): $3 electric, $44.50 gas heat, $3 gas non-heat. Tier 7 (80-100% AMI): $1 across the board.
What you get turns on your tier and on which service you take. Outside gas heating service, Tier 6 pays $3 a month and Tier 7 pays $1. Where it does bite is gas heat, at $135.24 a month in Tier 5 and $44.50 in Tier 6, on figures carrying Con Edison's own 1 February 2026 effective date. This pathway is for households not already in the Energy Affordability Program or a qualifying government assistance program, it is tested against area median income for New York City and Westchester, and the application goes to a third party rather than to Con Edison. Unlike the EAP pathway it does not put you on Budget Billing automatically; you will need income proof for every household member from the past month, and enrollment runs 18 months before a fresh application is required.
Program details →Consolidated Edison Company of New York, Inc.
Statewide Solar for All (S-SFA) and Renewable Energy Access and Community Help (REACH)
Availability and timing, as we recorded it: No deadline. Enrollment is automatic and continuous for customers who meet both conditions, and can be cancelled at any time without penalty.
A recurring bill credit applied automatically, with no fee, no monthly sign-up and no equipment installed at the home. The credit is set by the state program's allocation of community solar output rather than by a rate the customer chooses, and Con Edison remains the electricity provider.
Two conditions and you are enrolled without doing anything: you receive the Energy Affordability Program through a qualifying government assistance program, and you live in a state-designated disadvantaged community. The credit then arrives automatically on your Con Edison bill with no fee, no monthly sign-up and nothing installed at your home, and Con Edison stays your electricity provider. The size of it is not something you elect — it follows the state program's allocation of community solar output to your account, so the program sets it rather than a rate you choose. Ask Con Edison or NYSERDA what the current credit works out to for your service class before you count it in a monthly budget; you can cancel at any time without penalty.
Program details →New York State Office of Temporary and Disability Assistance (OTDA) 4 programs
New York State Office of Temporary and Disability Assistance (OTDA)
Clean and Tune Benefit
Offered statewide in New York — the program sets who qualifies
Availability and timing, as we recorded it: "The 2026-2027 Clean and Tune benefit opened October 1, 2026". No closing date was found for the 2026-2027 season.
Pays the actual cost of cleaning and tuning the primary heating equipment, up to a maximum of $500. The service can also cover chimney cleaning, minor repairs, and installing carbon monoxide detectors or a programmable thermostat where needed for safe and efficient operation. Paid to the vendor; no cash goes to the household.
This is the HEAP component closest to an efficiency measure and almost nobody knows it exists: it pays the actual cost of cleaning and tuning your primary heating equipment up to $500, and can also cover chimney cleaning, minor repairs and a carbon monoxide detector or programmable thermostat where safe operation needs one. The 2026-2027 benefit opened on 1 October 2026. Four conditions are easy to fail and worth checking before you call: you must be the homeowner, the equipment must be more than 12 months old, neither the equipment nor the chimney can have been cleaned in the last 12 months, and you must not already hold a service contract that includes clean and tune. This is bill assistance paid to the vendor rather than an efficiency incentive, so no cash reaches the household, and eligibility runs on the HEAP income test or automatically if you receive SNAP, federally funded Temporary Assistance or Code A SSI.
Program details →New York State Office of Temporary and Disability Assistance (OTDA)
Emergency HEAP Benefit
Offered statewide in New York — the program sets who qualifies
Availability and timing, as we recorded it: "The 2026-2027 Emergency HEAP benefit scheduled to open January 4, 2027" (OTDA’s wording), so it is not open now. For an emergency before then, OTDA instructs local districts that households with an emergency who are not eligible for HEAP "because the appropriate component is not open" should be referred to Public Assistance. GIS 26DC024 draws a line inside that referral: an emergency on a utility account is referred to Public Assistance year-round, while one involving deliverable fuel (oil, kerosene, propane, wood or pellets) sits within each district’s cold-weather period. Your local district is the place to ask which applies to you. The 2025-2026 Emergency benefit closed on 24 April 2026. We found no closing date for the 2026-2027 season. OTDA’s program directive states that "The HEAP components and dates of operation may be adjusted based on the amount of available federal funding."
Set by the type of emergency rather than capped. The 2026-2027 amounts are $185 for heat-related domestic electric service needed to run the heating equipment; $400 for natural gas heat only; $585 for natural gas heat combined with heat-related domestic; $585 for electric heat combined with heat-related domestic; $990 for non-utility heating fuel (oil, kerosene and propane); and $700 for non-utility heating fuel (wood, pellets, coal, corn and similar). The benefit is paid toward resolving the emergency, not to the household. Temporary relocation and a propane tank deposit were also available under this component for 2025-2026, under GIS 25DC093; we found no 2026-2027 restatement of either.
The Emergency HEAP benefit helps a household whose heat or heat-related electric service is off or scheduled to be shut off, or that is out of heating fuel. OTDA states that the 2026-2027 Emergency HEAP benefit is scheduled to open on 4 January 2027, so it is not open now. There is no online route to this benefit: OTDA states “If you have an emergency, you must contact your HEAP Local District Contact for assistance. Assistance cannot be provided through this website,” and applications are taken by telephone or in person. New York City residents call 718-557-1399. The amount is fixed by the type of emergency rather than capped, and it is paid toward resolving the emergency rather than to the household. Three rules come from GIS 25DC093, OTDA’s directive for the 2025-2026 Emergency component, and we found no 2026-2027 restatement of them: districts must resolve a life-threatening emergency where a household is without heat within 18 hours of the date of application, and an imminent loss of heat or of the utility service that runs it within 48 hours; a Regular HEAP benefit must be used first where one is available, and the test is whether any credit remaining is insufficient to resolve the emergency, so a household that has already had a Regular benefit is not automatically ruled out; and Emergency applicants are resource-tested, which Regular applicants are not, with the amount taken on the applicant’s attestation unless the examiner has reason to doubt it. For 2025-2026, GIS 25DC093 stated one Emergency benefit of each type per household per program year; that number has changed between program years before, so ask your district. The paper application is form LDSS-3421. Your local HEAP district decides eligibility and the amount — confirm anything here with them before you act on it.
Program details →New York State Office of Temporary and Disability Assistance (OTDA)
Heating Equipment Repair and Replacement Benefit (HERR)
Offered statewide in New York — the program sets who qualifies
Availability and timing, as we recorded it: "The 2026-2027 Heating Equipment Repair and Replacement benefit opened October 1, 2026." No closing date was found for the 2026-2027 season.
Pays the actual cost of repairing or replacing a homeowner's furnace, boiler or other primary heating equipment, up to $4,000 for a repair and $8,000 for a replacement. Payment goes directly to the vendor after the work is finished.
One published rule decides this before anything else does. OTDA requires the work to be approved and authorized by a HEAP Local District Contact before it starts, and payment goes to the vendor only after completion. Call the Local District Contact before you call a contractor, including when the heat has already gone out. Where the sequence is right it pays the actual cost of repairing or replacing your furnace, boiler or other primary heating equipment, up to $4,000 for a repair and $8,000 for a replacement, and the 2026-2027 benefit opened on 1 October 2026. OTDA lists this component for homeowners, so put your own situation to the Local District Contact rather than ruling yourself in or out from here. If HEAP cannot help, ask your local district about emergency assistance through Temporary Assistance instead; eligibility runs on the HEAP income test or automatically with SNAP, federally funded Temporary Assistance or Code A SSI.
Program details →New York State Office of Temporary and Disability Assistance (OTDA)
Regular HEAP Benefit
Offered statewide in New York — the program sets who qualifies
Availability and timing, as we recorded it: One benefit per program year. OTDA states that "The 2026-2027 Regular HEAP benefit is scheduled to open November 2, 2026." The 2025-2026 benefit closed on 10 April 2026. We found no closing date for the 2026-2027 season. OTDA’s program directive states that "The HEAP components and dates of operation may be adjusted based on the amount of available federal funding."
One benefit per program year, paid directly to the heating vendor. The 2026-2027 base amounts are $990 for households heating with oil, kerosene or propane who pay the vendor directly; $700 for wood, wood pellets, coal, corn or other deliverable fuel; $400 for electricity or natural gas billed on actual usage; $45 or $50 where heat is included in the rent; and $21 where the household is in government-subsidised housing or a group home with heat included. Households paying directly add $61 if income is in the Tier 1 range (at or below 130% of the federal poverty level) and $35 if the household contains someone aged 60 or over, under 6, or permanently disabled.
The Regular HEAP benefit is a once-a-year payment toward your heating costs, paid straight to your heating vendor rather than to you. OTDA states that the 2026-2027 Regular HEAP benefit is scheduled to open on 2 November 2026. The 2026-2027 base amounts are $21 where the household is in government-subsidised housing or a group home with heat included, $45 or $50 where heat is included in the rent, $400 for electricity or natural gas billed on actual usage, $700 for wood, pellets, coal, corn or other deliverable fuel, and $990 for oil, kerosene or propane paid directly to the vendor, with $61 added for Tier 1 income and $35 where a household member is under 6, 60 or over, or permanently disabled. OTDA also states that HEAP components and their dates of operation may be adjusted based on the amount of available federal funding. The paper application is form LDSS-3421. Your local HEAP district decides eligibility and the amount — confirm both with them before you plan around anything here.
Program details →Niagara Mohawk Power Corporation d/b/a National Grid 3 programs
Niagara Mohawk Power Corporation d/b/a National Grid
Energy Affordability Program - Solar (S-SFA/REACH Credit)
Availability and timing, as we recorded it: A set monthly discount runs for one year from 1 December and is re-set each 1 December. Enrollment is automatic alongside Energy Affordability Program verification; customers may opt out at any time.
An extra automatic monthly credit on your electric bill, on top of the Energy Affordability Program credit, shown on the bill as 'S-SFA/REACH Credit'. The amount is not a fixed rate: it is set each 1 December for the following year from how much electricity the enrolled community solar facilities generated in the current year, and it rises as more solar facilities join. There is no cost to participate.
If you are already on National Grid's Energy Affordability Program Upstate, this credit is automatic and costs nothing — it arrives as a separate S-SFA/REACH Credit line on your electric bill on top of your EAP credit. The amount is not a fixed rate: it is set each 1 December for the following year out of how much electricity the enrolled community solar facilities generated during the current year, and it grows as more facilities join, so it changes annually rather than being a figure to quote. Eligibility narrowed on 1 December 2025 and this is the part to check: if you joined EAP before that date you keep the credit while you remain on EAP, but anyone enrolling since then qualifies only if they live in a disadvantaged community under the state's climate law criteria. Ask National Grid what the current year's credit works out to on your service class, and note it does not displace HEAP or any other bill assistance and you can still subscribe to a community solar project separately.
Program details →Niagara Mohawk Power Corporation d/b/a National Grid
Energy Affordability Program (EAP)
Availability and timing, as we recorded it: Credit runs 18 months from enrollment; you must receive a HEAP grant or re-submit proof every 12 months to keep it. National Grid states no customer will be disenrolled before 30 November 2026. Discounts are reviewed annually and can rise, fall or stay the same.
A monthly credit on your bill, set by tier. Gas heat: $3.00 (Tiers 1-2), $22.49 (Tier 3), $20.30 (Tier 4). Electric heat or non-heat: $22.46 (Tier 1), $39.64 (Tier 2), $62.45 (Tier 3), $60.26 (Tier 4). Gas non-heat is $3.00 at every tier. Rates effective 1 December 2025.
Electric service is where this bites hardest: the credit runs $22.46 at Tier 1 up to $62.45 at Tier 3 on electric heat or non-heat, while gas heat pays $3.00 at Tiers 1 and 2 before jumping to $22.49 at Tier 3, and gas non-heating service is $3.00 at every tier. These are the Upstate figures, effective 1 December 2025, and National Grid's tiers differ from what other New York utilities pay — do not carry a number across from another utility's page. A HEAP grant enrolls you automatically; otherwise you self-enroll with proof of SNAP, SSI, Medicaid, Lifeline, TANF, Safety Net, Child Health Plus, Federal Public Housing Assistance, Veterans Disability or Survivors Pension, or a qualifying tribal program. The credit runs 18 months and you need a HEAP grant or fresh proof every 12 months to keep it, discounts are reviewed annually and can fall as well as rise, and National Grid has said no customer will be disenrolled before 30 November 2026.
Program details →Niagara Mohawk Power Corporation d/b/a National Grid
Enhanced Energy Affordability Program (EEAP)
Availability and timing, as we recorded it: A statewide two-year pilot; the page does not print the pilot's end date. Approved accounts stay enrolled for 18 months, and the discount appears within two billing cycles of approval.
A monthly bill credit by income tier, effective 13 January 2026. Below 60% of State Median Income (Tier 7): $22.46 on electric heat or non-heat, $3.00 on gas. From 60% to under 80% SMI (Tier 8): $3.00 on everything. From 80% to 100% SMI (Tier 9): $1.00 on everything. Enrollment lasts 18 months.
Work out which tier you fall in before you gather paperwork, because the money changes shape quickly: below 60% of State Median Income it is $22.46 a month on electric heat or non-heat and $3.00 on gas, from 60% to 80% it is $3.00 on everything, and from 80% to 100% it is $1.00 on everything. The test is against State Median Income, and you must document every household member's income for the last month, on figures effective 13 January 2026. You cannot hold this and the Energy Affordability Program at the same time, so if you are already on EAP there is nothing to apply for; other New York utilities run their own version of this pilot on different amounts, so do not plan from another utility's table.
Program details →Central Hudson Gas & Electric Corporation 2 programs
Central Hudson Gas & Electric Corporation
Energy Affordability Program (EAP)
Availability and timing, as we recorded it: Enrollment runs for 18 consecutive months provided the account stays open and active; a new qualifying benefit or a reapplication is needed to continue beyond that. No seasonal application window.
A monthly bill credit set by HEAP benefit band and service type. HEAP benefit $0-$400: $67.99 electric heating, $67.99 electric non-heating, $34.28 gas heating, $3.00 gas non-heating. HEAP $401-$461: $85.17 / $85.17 / $66.04 / $3.00. HEAP $462-$496 and above: $126.10 / $107.98 / $88.85 / $3.00. Utility Guarantee or Direct Vendor: $121.72 / $105.80 / $86.66 / $3.00. A household can receive more than one credit if it takes more than one type of service.
This is bill help rather than an efficiency incentive, and the door is a benefit you may already hold: HEAP, SNAP, Medicaid, SSI, Lifeline, TANF and several others all qualify, and HEAP recipients are enrolled automatically without applying. The size of the monthly credit tracks your HEAP benefit band and service type, running from $3.00 on gas non-heating service up to $126.10 on electric heating, and a household taking more than one type of service can receive more than one credit. Two things catch people out. The door is a qualifying benefit rather than an income figure, and SSI is on Central Hudson's list while Social Security retirement is a different benefit, so if retirement income is what you have, ask Central Hudson which benefits it accepts. The other is Budget Billing: enrollment puts the account on it unless you opt out. Enrollment runs 18 consecutive months, after which a new qualifying benefit or a reapplication is needed to keep it.
Program details →Central Hudson Gas & Electric Corporation
Enhanced Energy Affordability Program (EEAP)
Availability and timing, as we recorded it: Described on the page as a two-year pilot program, with no end date printed. Approval lasts 18 months; supporting documentation must be submitted within 14 days of applying or the application is rejected.
A fixed monthly bill discount by income tier and service type. Below 60% of State Median Income (Tier 5): $67.99 electric heating, $67.99 electric non-heating, $34.28 gas heating, $3.00 gas non-heating. 60% to under 80% SMI (Tier 6): $39.27 / $39.27 / $20.14 / $3.00. 80% to under 100% SMI (Tier 7): $1.00 for every service type.
This is for households that sit above the Energy Affordability Program's door but still at or below 100% of State Median Income, and the tier you land in is most of the story: below 60% SMI the discount is $67.99 a month on electric heating service, from 60% to under 80% it is $39.27, and from 80% to under 100% it is $1.00. Work out which band you are in before you apply, because the amount is different in each. Central Hudson tests against State Median Income here; other New York utilities run their own version of this program on a different income basis with different amounts, so do not carry a figure across from another utility's page. Documentation has to be in within 14 days of applying or the application is rejected, and Central Hudson calls this a two-year pilot. We could not locate the dates that pilot runs between, so ask Central Hudson how long the discount is expected to last before you plan around it.
Program details →Orange and Rockland Utilities, Inc. 2 programs
Orange and Rockland Utilities, Inc.
Energy Affordability Program (EAP)
Availability and timing, as we recorded it: Enrollment runs 18 months from approval or from receipt of a HEAP grant. A new application is required each year after the enrollment period ends; O&R sends reminders 60 days and 30 days before the recertification deadline.
A monthly bill discount set by tier and service type, effective 13 January 2026. Tier 1: $76.81 electric heating, $76.81 electric non-heating, $9.79 gas heating, $2.40 gas non-heating. Tier 2: $92.67 / $92.67 / $37.52 / $2.40. Tier 3: $114.52 / $114.52 / $69.42 / $2.40. Tier 4 (Direct Vendor or Utility Guarantee DSS grant): $111.36 / $111.36 / $76.33 / $2.40. Tiers follow the size of the regular HEAP grant received.
Electric service is where the money is here: $76.81 a month at Tier 1 rising to $114.52 at Tier 3 on electric heating or non-heating, against gas heating at $9.79 to $76.33 and gas non-heating at $2.40 in every tier. The figures carry an explicit effective date of 13 January 2026, and O&R states the discounts are evaluated annually and subject to change, so date any number you work from. Your tier follows the size of your regular HEAP grant. A HEAP grant, a Direct Vendor or Utility Guarantee DSS grant, TANF or Safety Net Assistance enrolls you automatically, while Medicaid, Federal Public Housing Assistance, Veterans benefits, Lifeline, SNAP, SSI and qualifying tribal programs make you eligible but require you to apply — enrollment runs 18 months, and O&R reminds you 60 and 30 days before recertification.
Program details →Orange and Rockland Utilities, Inc.
Enhanced Energy Affordability Program (EEAP)
Availability and timing, as we recorded it: No application window; enrollment lasts 18 months with an annual renewal application required. Applicants have a limited window to supply documentation, and O&R reminds customers 60 and 30 days before recertification.
A monthly bill discount by income tier, effective 13 January 2026. Tier 5, under 60% of State Median Income: $76.81 electric heat, $76.81 electric non-heat, $9.79 gas heat, $2.40 gas non-heat. Tier 6, 60% to under 80% SMI: $43.44 / $43.44 / $23.00 / $3. Tier 7, 80% to under 100% SMI: $1 for every service type.
The tier you land in decides the amount: under 60% of State Median Income it is $76.81 a month on electric service, from 60% to 80% it is $43.44, and from 80% to 100% it is $1 on every service type, with gas much smaller throughout at $9.79 in the bottom tier down to $2.40 and then $1, on figures effective 13 January 2026. These are O&R's own amounts and not another utility's — O&R and Central Hudson publish the same income thresholds but different Tier 6 discounts, so confirm the figure with O&R rather than carrying one across. You cannot hold this and the Energy Affordability Program at once, applications go to CLEAResult at oru.NYEEAP.com or by phone, post or fax, and you need a utility bill from the last three months plus a month of income proof for every household member.
Program details →Other programs 12 programs
Corning Natural Gas Corporation
Energy Affordability Program (Low Income Program)
Availability and timing, as we recorded it: No application window — customers are enrolled automatically on receipt of a HEAP benefit and remain enrolled for 18 months after the last HEAP benefit received. Corning states its gas tariff was amended on November 13, 2025.
A tiered bill discount of $13.25 at Tier 1 (regular HEAP benefit, $400), $18.50 at Tier 2 (regular HEAP with a single add-on, $435-$461) and $22.50 at Tier 3 (regular HEAP with two add-ons, $496), plus one reconnection fee waived per year for a customer reconnected after a non-payment termination.
There is a question to settle before you count on this. Corning's web page heads the $13.25, $18.50 and $22.50 tier figures as monthly bill discounts, while the filed tariff leaf that same page points to heads the identical column as an annual discount amount — and between monthly and annual is a twelvefold difference. Ask Corning directly: is the Tier 1 low-income credit $13.25 each month, or $13.25 across the year? There is no application either way, because a HEAP grant enrolls you automatically and your tier follows the size of that grant; you stay enrolled for 18 months after your last HEAP benefit, and one reconnection fee is waived each year if you were cut off for non-payment.
Program details →KeySpan Gas East Corporation d/b/a National Grid (KEDLI)
Energy Affordability Program (EAP) — Long Island gas
Availability and timing, as we recorded it: The tier credit runs for 18 months from the first bill after enrollment, with a reminder letter two months before expiry. No customer is disenrolled before November 30, 2026. Discounts are reviewed annually and can increase, decrease or stay the same.
A monthly bill credit by tier, effective 1 December 2025: gas heat $63.76 (Tier 1, regular HEAP and non-utility), $95.52 (Tier 2, regular HEAP plus one add-on), $118.33 (Tier 3, regular HEAP plus two add-ons) and $116.14 (Tier 4, direct voucher or utility guarantee). Gas non-heat customers receive $3.00 a month and are placed in Tier 1.
Long Island gas figures are not the New York City figures, and the gap runs both ways: gas heat Tier 1 here is $63.76 a month against $77.27 in Brooklyn, Queens and Staten Island, while non-heating service pays $3.00 here against $1.92 downstate. Do not carry a number across from another National Grid page, because the enrollment contact and mailing address differ as well. Your tier follows your HEAP grant and any add-ons, and if a HEAP grant posts to your account you are enrolled automatically — including through an OTDA file match if the grant went to a different utility — while everyone else self-enrolls with a current award letter. The credit runs 18 months from your first bill after enrollment, is reviewed annually and can rise or fall, and an account with no past-due balance also goes onto the Budget Plan unless you opt out.
Program details →The Brooklyn Union Gas Company d/b/a National Grid NY (KEDNY)
Energy Affordability Program (EAP) — Brooklyn, Queens and Staten Island gas
Availability and timing, as we recorded it: The credit runs for 18 months from enrollment, with a reminder letter two months before expiry. National Grid states no customer will be disenrolled before November 30, 2026, and anyone disenrolled on or after October 1, 2025 is being re-enrolled automatically. Discounts are reviewed annually and can rise, fall or stay the same.
A monthly bill credit by tier, effective 1 December 2025: gas heat $77.27 (Tier 1, regular HEAP payment), $112.97 (Tier 2, regular HEAP plus one add-on), $138.67 (Tier 3, regular HEAP plus two add-ons) and $139.38 (Tier 4, direct voucher or utility guarantee). Gas non-heat customers receive $1.92 a month and are placed in Tier 1.
These are the Brooklyn, Queens and Staten Island gas figures and they are not National Grid's figures elsewhere: gas heat runs $77.27 a month at Tier 1 to $138.67 at Tier 3, with Tier 4 at $139.38 for a direct voucher or utility guarantee, while gas non-heating service gets $1.92 and sits in Tier 1. National Grid publishes three different credit schedules under one brand across its New York territories, so a number from the Long Island or Upstate page will be wrong for your address. Your tier follows the size of your HEAP payment and any add-ons, and a HEAP grant posting to your account enrolls you automatically — otherwise you self-enroll with an award letter, and staying eligible means receiving a HEAP grant or recertifying annually. The credit runs 18 months with a reminder two months before it expires, National Grid says nobody will be disenrolled before 30 November 2026, and anyone disenrolled on or after 1 October 2025 is being re-enrolled automatically.
Program details →Liberty Utilities (St. Lawrence Gas) Corp. d/b/a Liberty New York Gas
Liberty New York Gas Arrears Management Program (AMP)
Availability and timing, as we recorded it: No application window. Participation ends when the past-due balance is cleared, at which point the customer comes off the AMP Budget Billing Program. Missing a budget payment terminates the budget billing agreement and forfeits any remaining AMP benefit, though both can be reinstated if all missed and current budget payments are made.
Past-due balance forgiveness of up to $1,200 a year — a $100 AMP Credit is written off the arrears each month the customer pays their budget bill on time. Enrolled customers paying the budget amount are also protected from late payment charges and from service disconnection.
Up to $1,200 of past-due balance written off a year, at $100 a month — but only in the months you pay your budget bill on time, which makes this conditional rather than automatic. Miss a budget payment and the agreement terminates and the remaining benefit is forfeited, though both can be reinstated if you make up every missed and current payment. To get in you need to already be in Liberty's Low-Income Bill Discount Program, a past-due balance of at least $300, and to be at least 45 days behind. While you are enrolled and paying, you are also protected from late payment charges and from disconnection.
Program details →Massena Electric Department
Controlled Water Heating Credit (WHIP)
Availability and timing, as we recorded it: No closing date — this is a standing tariff provision rather than a program round. The binding commitment is the other way round: a minimum connection period of one year once the load-control equipment is fitted.
$2.00 off every billing period for letting Massena Electric control your electric water heater, plus a one-time introductory credit of $25 on the first month, one per customer location. Curtailments are at Massena's option and generally no more than four hours a day. Minimum connection period is one year.
This pays you for letting Massena Electric control your water heater, not for making it more efficient: $2.00 off every billing period plus a one-time $25 credit in the first month, in exchange for load-control equipment on all of your domestic hot water supply. Curtailments are at Massena's option and generally no more than four hours in a day, and once the equipment is fitted you are committed for at least a year. This is a standing credit on the bill rather than a rebate on equipment, so it does not change what a project costs. If you were looking for a Massena heat pump or water heater rebate, the route is Energy Makeover as an audit-identified improvement, and that program's electric-heat exclusions work against exactly that, so raise it with Massena before you plan around it.
Program details →New York State Electric & Gas Corporation (NYSEG)
Energy Affordability Program (EAP) and Enhanced Energy Affordability Program (EEAP)
Availability and timing, as we recorded it: EAP enrollment is open year-round and lasts 18 months before recertification. EEAP is explicitly time-limited: "EEAP is a two-year pilot program, so enrollment periods and eligibility may change."
A monthly credit applied straight to the bill. EAP's credit appears as "Energy Assistance Credit" under delivery charges and is set by a PSC-approved tier that depends on which assistance program you receive and your energy burden; EEAP's appears as "Enhanced Affordability Credit" under miscellaneous charges and is set by household income band. Both enrollments last 18 months before you reapply.
Two programs on one page, and which you belong in depends on where your income sits. EAP is for households already receiving SNAP, Medicaid, HEAP, SSI, federal public housing assistance, TANF, Safety Net Assistance, Lifeline, a veterans' disability or survivors' pension or certain tribal programs, and a HEAP grant landing on an active NYSEG account enrolls you automatically for 18 months. EEAP is for moderate-income households below the state median who qualify for none of those, and NYSEG describes it as a two-year pilot whose enrollment periods and eligibility may change, which is worth knowing before you plan around it. The credit is set by a PSC-approved schedule rather than by NYSEG — by assistance program and energy burden for EAP, by income band for EEAP — so ask NYSEG what your own tier pays before you budget against it. Renters qualify, EAP also puts you on Budget Billing and refers you to EmPower+, and because NYSEG's page links an RG&E-branded fact sheet, confirm the mailing address with NYSEG rather than trusting the linked form.
Program details →Private community solar providers registered with the New York State Department of Public Service, compensated under the utilities' Value Stack tariff
Community solar subscription (Value Stack / VDER community distributed generation)
Offered statewide in New York — the program sets who qualifies
Availability and timing, as we recorded it: No deadline. This is a tariff mechanism rather than a funded block, so it does not close when money runs out. It usually takes one to three months for credits to start appearing on the bill after joining an active project.
A discount on the electric bill, which NYSERDA puts at 5 to 20%. The amount is set by the provider's own subscription contract rather than by a program rate, and savings are usually calculated annually rather than monthly because the customer pays for bill credits reflecting what was generated, not what they consumed. A subscriber cannot take more than their own annual consumption, so providers typically size a share at 85-90% of annual usage.
This is solar without a roof, capital or an installation, which is what puts it within reach of renters, condominium owners, a shaded or unsuitable roof and a small business. You are buying bill credits from somebody else's array rather than generating your own. If you do own a suitable roof and you are in PSEG Long Island territory, check NYSERDA before you settle on this, because its Affordable Solar incentive for rooftop systems was open to income-qualified households there as of 18 October 2026 and which territories it covers is worth confirming for your own address. NYSERDA puts the discount at 5 to 20%, but your actual figure is set by the provider's subscription contract rather than by a program rate, and savings are usually calculated annually rather than monthly because you are paying for bill credits reflecting what the array generated. Three checks before you sign, because this is a private contract and not a state program: confirm the provider is on the Department of Public Service registered list, read the standard disclosure on page one of the contract, and check the cancellation notice period and whether cancellation fees apply. One thing not to assume — a community solar subscription is off-site, so do not count on the New York State solar tax credit, and put that question to a tax professional before you factor it into anything.
Program details →The New York electric utilities, under the Public Service Commission's net metering successor order, Case 15-E-0751
Customer Benefit Contribution (CBC) on net-metered and Value Stack solar
Offered statewide in New York — the program sets who qualifies
A monthly charge in dollars per kW of DC system size, paid by anyone whose solar system interconnected on or after 1 January 2022. The 2026 residential net-metered rates are $1.67 Central Hudson, $1.31 RG&E, $1.29 Con Edison, $1.19 NYSEG, $1.13 LIPA, $1.00 Orange & Rockland and $0.97 National Grid. Electing the Value Stack instead of net metering roughly halves it - $0.84, $0.65, $0.65, $0.60, $0.50 and $0.49 respectively, with no Value Stack option for LIPA mass-market customers. The rates are re-set every year and a customer does not lock one in at interconnection.
Availability and timing, as we recorded it: Applies to systems interconnected on or after 1 January 2022, indefinitely. The rate table is reissued annually, so the 2027 rates will replace these.
This is a charge you pay rather than an incentive, and it is the line most often missing from a solar quote. Any system interconnected on or after 1 January 2022 pays a monthly amount per kW of DC system size, and it varies by utility: in 2026 the residential net-metered rates are $1.67 at Central Hudson, $1.31 at RG&E, $1.29 at Con Edison, $1.19 at NYSEG, $1.13 on Long Island, $1.00 at Orange & Rockland and $0.97 at National Grid. Electing the Value Stack rather than net metering roughly halves it, and there is no Value Stack option for LIPA mass-market customers. The rates reset annually and you do not lock one in at interconnection, so treat this as a recurring cost for the life of the system rather than a one-off. Ask your installer which Customer Benefit Contribution you will pay, net-metered or Value Stack, and insist it is shown in the quote before you sign anything.
Program details →The New York electric utilities, under the Public Service Commission order of 16 May 2024; program designed with NYSERDA
Statewide Solar for All - household bill credit
Offered statewide in New York — the program sets who qualifies
Availability and timing, as we recorded it: Open and ongoing. Live since 1 December 2024 under the PSC order of 16 May 2024. There is no application window and no deadline; enrollment follows the household's Energy Assistance Program status.
A clearly labeled monthly credit on the household's ordinary electric bill, on top of whatever the Energy Assistance Program already gives them, and it costs nothing. The size of the credit is not a fixed per-household dollar figure: it is set by the utility's Customer Share credit pool, which is funded from the residual Value Stack credits of the community solar projects enrolled in the program, and then distributed to customers in the utility's low-income energy affordability program.
The one action here is concrete and it is not about solar: get into your utility's Energy Assistance Program, because enrollment in Solar for All is then automatic — you sign nothing, install nothing and pay nothing. The credit arrives as a clearly labeled line on your ordinary electric bill, on top of whatever the affordability program already gives you. There is no fixed per-household figure to quote, and that is the honest framing rather than a gap: the credit comes out of a pool funded by the residual Value Stack credits of the community solar projects enrolled in the program, so its size depends on how much those projects generated and how the pool is then distributed. One thing to keep straight: households who signed up between 2017 and 2024 are on the earlier Pilot Solar for All, which is a different program and pays on different terms.
Program details →PSEG Long Island
Household Assistance Program
Availability and timing, as we recorded it: Enrollment runs in 18-month terms. "all current Household Assistance Program customers will receive one automatic renewal this year. At the end of your current program enrollment, we will renew it for an additional 18 months and notify you at that time. At the end of the new 18 month enrollment period, you will need to reapply." Supporting documents must be dated within the last 18 months. Applications are accepted on a rolling basis.
A discount of $45 or more credited to every electric bill, for as long as you stay enrolled. A Home Energy Assistance Program award letter provides the largest benefit of the qualifying documents.
A discount of $45 or more credited to every electric bill for as long as you stay enrolled — PSEG Long Island publishes that as a floor rather than a single figure, and a HEAP award letter gives the largest benefit of the qualifying documents, so lead with HEAP if you have it. The door is any one of a list of benefits you may already hold: HEAP, Medicaid but not Medicare, SNAP, Child Health Plus, Federal Lifeline, Federal Public Housing Assistance, Supplemental Security Income but not Social Security, Temporary Assistance or Safety Net Assistance, a Veterans Disability Pension for non-service-connected disability, or a Veterans Survivors Benefit subject to income guidelines. Your supporting document must be dated within the last 18 months, and enrollment runs in 18-month terms with one automatic renewal before you have to reapply. This is bill assistance rather than an efficiency incentive. Being enrolled here is also what unlocks the enhanced $400 residential EV charger rebate.
Program details →Rochester Gas and Electric Corporation (RG&E)
Energy Affordability Program (EAP) and Enhanced Energy Affordability Program (EEAP)
Availability and timing, as we recorded it: EAP enrollment is open year-round and lasts 18 months before recertification. EEAP is explicitly time-limited: "EEAP is a two-year pilot program, so enrollment periods and eligibility may change."
A monthly credit applied straight to the bill. EAP's credit appears as "Energy Assistance Credit" under delivery charges and is set by a PSC-approved tier that depends on which assistance program you receive and your energy burden; EEAP's appears as "Enhanced Affordability Credit" under miscellaneous charges and is set by household income band. Both enrollments last 18 months before you reapply.
Two programs on one page, and which one applies depends on where your income sits. EAP is for households already receiving SNAP, Medicaid, HEAP, SSI, federal public housing assistance, TANF, Safety Net Assistance, Lifeline, a veterans' disability or survivors' pension or a listed tribal program — and if a HEAP grant lands on an active RG&E account you are enrolled automatically for 18 months, while a HEAP benefit paid to a different fuel vendor may still qualify you if you apply. EEAP is for moderate-income households below the state median who hold none of those, and RG&E describes it as a two-year pilot whose enrollment periods and eligibility may change, which is worth knowing before you plan around it. The credit is set by a PSC-approved schedule rather than by RG&E — by assistance program and energy burden for EAP, by income band for EEAP — so ask RG&E what your own tier pays before you count on it. You apply through the program pages and recertify every 18 months, and because RG&E's fact sheet is the document NYSEG links to as well, make sure you are following RG&E's own instructions.
Program details →National Fuel Gas Distribution Corporation
Neighbor for Neighbor Heat Fund
Availability and timing, as we recorded it: The page states the fund 'is now open and accepting applications' and that grants are awarded on a first-come, first-served basis; one grant per program year. No closing date is printed.
A one-time grant of up to $300 per program year, first-come first-served.
Up to $300 once a program year, and you do not have to be a National Fuel customer, only to live inside its Western New York service territory, and it covers home heating fuel of any kind as well as current or past-due energy bills other than electric. You do have to fit one of the qualifying categories: at least 55 years old, a household member whose disability reduces income, a certified medical emergency, a veteran, or receiving unemployment benefits. It is first-come, first-served against donated money rather than a budget line. Applications go to the Salvation Army, Catholic Charities or the Chautauqua County Office for the Aging rather than to National Fuel — call one of them to confirm the current grant amount.
Program details →There is also work on the house these programs help pay for
The two do different jobs. The programs above help with the bill you owe now; this work can make future bills smaller: insulation, air sealing and heating equipment. How much of it a program pays for differs from one program to the next. A few cover the work outright for the households they accept, and most pay a set amount or a share of a price the household owes in full. Some are limited to households inside an income range, and others are open to anyone and pay an income-qualified household more. Where a program does set a range, it can have a floor you must be above as well as a ceiling you must be under, so check both ends of that one. It is a separate application either way, so ask the program what it would cover on your house.
Home improvements where your income changes what you pay
These pay for work on the house rather than putting money toward a bill: insulation, air sealing, duct sealing, sometimes heating equipment. They do not all work the same way. A few cover the work outright for the households they accept. Most pay a set amount, or a share of a price you still owe the contractor in full, and on a big job the rest of that price is real money. Some are limited to households inside an income range; others are open to anyone and simply pay an income-qualified household more. Read each listing for the amount and for the share, and where a program does set an income range, it can have a floor you must be above as well as a ceiling you must be under, so read both ends of that one. What a program covers is decided after it looks at the home, and anything it will not cover stays yours to pay for or to leave undone. Funding is limited and these programs can close without notice, so confirm with the program that it is open, and confirm the terms, before you commit to any work.
New York State Energy Research and Development Authority (NYSERDA) 6 programs
New York State Energy Research and Development Authority (NYSERDA)
Appliance Upgrade Program
Offered statewide in New York — the program sets who qualifies
Households at 0-80% of area median income: 100% of the qualified project cost, up to $840 for an ENERGY STAR heat pump clothes dryer, up to $4,000 for an electrical panel upgrade and up to $2,500 for an electrical wiring upgrade. Households above 80% and up to 150% of AMI: 50% of the qualified project cost against the same three caps. The income bands are set per county and household size.
Your income band halves the money: at or below 80% of area median income you get 100% of the qualified project cost, and above 80% up to 150% you get 50%, against the same three caps — up to $840 for an ENERGY STAR heat pump clothes dryer, up to $4,000 for an electrical panel upgrade and up to $2,500 for wiring. The caps are the same statewide but the income limits are set per county and household size, so check your own county's threshold on the program page rather than taking a neighbour's answer. One practical distinction on installation: swapping an electric-resistance dryer can usually be self-installed, while replacing a gas dryer typically needs a participating contractor, and panel and wiring work must go through one to be rebated at all. If an undersized panel is why you have been putting off a heat pump or an induction range, this is the program that pays for the panel.
Eligibility and how to apply →New York State Energy Research and Development Authority (NYSERDA)
Heat Pump Program (NYS Clean Heat) — LMI 1-4 family statewide administration
Offered statewide in New York — the program sets who qualifies
For income-eligible one- to four-family households, NYSERDA delivers heat pump money through EmPower+ and its Sustainable Futures layer rather than through a separate NYSERDA rate table — air source heat pump $10,000 and ground source heat pump $10,000 per the Sustainable Futures caps, on top of the EmPower+ project cap.
This is a signpost rather than a separate rate table: if your one-to-four family household is income-eligible, your heat pump money comes through EmPower+ and its Sustainable Futures layer, not through a NYSERDA Clean Heat schedule of its own. Under those Sustainable Futures caps an air source heat pump is $10,000 and a ground source heat pump is $10,000, sitting on top of the EmPower+ project cap. NYSERDA states that households above the EmPower+ moderate-income limit go the other way, to their own electric utility's Clean Heat rebate table — one route or the other, never both; confirm with NYSERDA which route applies to your household. Start with the EmPower+ income test, because it decides which door you are standing at.
Eligibility and how to apply →New York State Energy Research and Development Authority (NYSERDA)
EmPower+
Offered statewide in New York — the program sets who qualifies
Low-income single-family households: no-cost improvements capped at $12,000 per project upstate, $14,000 downstate. Moderate-income single-family households: 50% of the cost of the improvements, capped at $6,000 per project upstate, $7,000 downstate. Sustainable Futures and HEAR funding sit on top of these caps and are recorded separately.
An energy auditor assesses the whole home and the program corrects what is costing the household most, and it is the door most of the other NYSERDA residential money comes through. For low-income single-family households the improvements are at no cost, capped at $12,000 per project upstate and $14,000 downstate; moderate-income households pay half, capped at $6,000 upstate and $7,000 downstate. Downstate here means Bronx, Dutchess, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk, Ulster, Westchester and Kings counties, which is worth checking because the difference is $2,000 of project ceiling. Renters qualify with owner consent, and income is proved either with a HEAP, SNAP, TANF or SSI award letter from the last twelve months, four consecutive weeks of paystubs plus every other income source, or your most recent federal return — gather that along with an itemised electric bill and a gas or delivered-fuel bill before you start.
Eligibility and how to apply →New York State Energy Research and Development Authority (NYSERDA)
Home Electrification and Appliance Rebate (HEAR) through EmPower+
Offered statewide in New York — the program sets who qualifies
Added on top of the EmPower+ caps. Air sealing, insulation and ventilation are capped together at $1,600. The amount a household gets depends on the combination of measures the contractor proposes.
This sits on top of the EmPower+ caps rather than replacing them, and it is bundle-dependent: air sealing, insulation and ventilation are capped together at $1,600, and what your household actually receives depends on the combination of measures your EmPower+ contractor proposes after the home energy assessment. That makes the assessment and the scope coming out of it the thing that sets your number, rather than a figure you can look up beforehand. You have to be going through EmPower+ to reach it, so there is no separate application to file. Ask your contractor to show how the proposed scope maps to the caps before work is scheduled, so you know what is being claimed on your behalf.
Eligibility and how to apply →New York State Energy Research and Development Authority (NYSERDA)
Inclusive Storage Incentive (ISI) - Residential, statewide
Offered statewide in New York — the program sets who qualifies
$450 per kWh of installed AC storage capacity, up to 25 kWh. The statewide block opened 13 April 2026 with $11,250,000 and $9,188,775 was still available as of 5 October 2026. It cannot be combined with the market-rate residential storage incentive.
For an income-eligible household this is the highest of NYSERDA's residential storage rates as its blocks stood on 5 October 2026: $450 per kWh of installed AC capacity up to 25 kWh, against $200 to $250 on the market-rate blocks. The statewide block opened at $11,250,000. It cannot be combined with the market-rate residential storage incentive, so this is an election rather than a stack. You qualify by living in a disadvantaged community, or with income at or below 80% of area or state median income, whichever is higher, or through a 1-4 unit affordable housing property with at least half its units under that threshold — and in an owner-occupied multi-unit building only the owner-occupied meter counts.
Eligibility and how to apply →New York State Energy Research and Development Authority (NYSERDA)
Sustainable Futures Program (SFP) funding through EmPower+
Offered statewide in New York — the program sets who qualifies
Paid on top of the EmPower+ project caps, per measure: heat pump water heater $5,000; air source heat pump $10,000; ground source heat pump $10,000; panel box $5,000; electrical wiring upgrade $2,500.
These sit on top of the EmPower+ project caps rather than inside them, which is the point most households miss: an air source heat pump adds $10,000, a ground source heat pump $10,000, a heat pump water heater $5,000, a panel box $5,000 and an electrical wiring upgrade $2,500. The heat pump water heater line is the one most often left out of a quote, so if that is in your scope make sure your contractor has included it. You have to be an approved EmPower+ participant to reach any of it, and the measure must have been recommended by the EmPower+ contractor after the home energy assessment — which makes the assessment where this money is won or lost. Ask for the scope in writing showing which Sustainable Futures lines are being claimed on your project.
Eligibility and how to apply →PSEG Long Island 6 programs
PSEG Long Island
Heat Pump Water Heater Rebate
$1,200 at market rate, rising to $1,700 for income-eligible households, when you apply through the Home Comfort / Residential Efficiency Program with a participating contractor; the market rebate is capped at 70% of project cost and the income-eligible rebate at 100%. The contractor also receives $100 per project. The mail-in / online ENERGY STAR Products route pays up to $1,200 but is capped at 50% of the purchase price. Minimum efficiency is a Uniform Energy Factor of 2.00 for tanks of 55 gallons or less and 2.20 above 55 gallons. Limit of one heat pump water heater per year.
There are two routes with very different economics, and the better one is not the obvious one. Going through the Home Comfort program with a participating contractor and pre-approval pays $1,200 at market rate and $1,700 to an income-eligible household, capped at 70% of project cost or 100% for income-eligible, while the mail-in ENERGY STAR Products route pays up to $1,200 against a 50%-of-purchase-price cap. The $1,700 rate is set in PSEG Long Island's 2026 Residential Efficiency Program rebate application, Version 2.0, so ask your contractor to quote you from that document rather than from a summary figure. Minimum efficiency is a Uniform Energy Factor of 2.00 at 55 gallons or less and 2.20 above, one unit per year, existing buildings only now that new construction rebates have ended. Get pre-approval before you buy on the Home Comfort route, because rebates expire 90 days from pre-approval and the better rate depends on going through it.
Eligibility and how to apply →PSEG Long Island
Home Comfort — Whole House Cold Climate Air Source Heat Pump & Air to Water Heat Pump
A flat per-dwelling rebate: $4,000 at market rate, $5,000 if your home is in a Disadvantaged Community, $5,000 at moderate income (80% of area median income), or $7,500 at low income (60% of area or state median income). Market, DAC and moderate-income rebates are capped at 70% of the project cost; the low-income rebate is capped at 100% of project cost. A $250 decommissioning bonus is added per project if the existing fossil-fuel heating system is decommissioned.
This is PSEG Long Island's own rebate schedule and not NYS Clean Heat — PSEG Long Island is not one of the six Clean Heat sponsoring utilities, so none of the Clean Heat tables apply here. The rebate is flat per dwelling rather than per ton: $4,000 at market rate, $5,000 if the home is in a Disadvantaged Community or you qualify at moderate income, $7,500 at low income, with a $250 decommissioning bonus if the fossil-fuel system comes out. Market, DAC and moderate-income rebates are capped at 70% of project cost and low income at 100%. Two requirements decide eligibility more than the equipment does: the system must be sized by an ACCA Manual J to 100-120% of the heating load, and if a secondary gas, oil or propane system remains, integrated controls have to be installed or the whole-house rebate is lost. New construction is no longer eligible for an air source rebate here, only geothermal is, so a builder should not plan an all-electric new home around this one — and everything must be pre-approved before purchase, with the rebate expiring 90 days after approval.
Eligibility and how to apply →PSEG Long Island
Home Performance with ENERGY STAR (Weatherization)
Per-measure rebates on three tiers — market rate / Disadvantaged Community and moderate income / low income and low-income Disadvantaged Community: insulation $2,500 / $3,125 / $5,200; air sealing $1,000 / $1,250 / $2,000; duct sealing $500 / $625 / $800; windows $4 / $4 / $8 per square foot. Both air sealing and insulation must be done for any of it to pay, and windows need a U-factor of 0.2 to 0.32. Doing weatherization alongside a whole-house heat pump adds a combination contractor incentive of $750 on the building envelope plus $250 on space heating, $1,000 in total.
Insulation and air sealing are a required pair here — do one without the other and nothing pays. The tiers are market rate, then Disadvantaged Community or moderate income, then low income: insulation $2,500 / $3,125 / $5,200; air sealing $1,000 / $1,250 / $2,000; duct sealing $500 / $625 / $800; windows $4 / $4 / $8 per square foot. Two rules are new or easily missed: starting with 2026 projects you may only participate once every two years, and windows need a U-factor of 0.2 to 0.32 and only qualify alongside a whole-house cold climate air source heat pump plus insulation and air sealing. If you heat with oil, propane or natural gas and are budgeting for window rebates, get PSEG Long Island to confirm your eligibility in writing on 1-800-692-2626 before you sign a contract, because the application carries a restriction on windows for those fuels that is not reconciled with the eligibility sentence a few rows above it. Doing weatherization alongside a whole-house heat pump adds a $1,000 combination contractor incentive.
Eligibility and how to apply →PSEG Long Island
Residential Energy Affordability Partnership (REAP) Program
A $50 bill credit plus a $35 voucher for the PSEG Long Island Online Marketplace once a REAP Home Energy Survey is completed, and for qualifying households free installation of LED bulbs, a smart thermostat, door sweeps, attic hatch covers, water heater blankets, pipe insulation and water conservation devices (faucet aerators, low-flow showerheads, thermostatic valves, water temperature turndown). The survey itself is free for households at or below 80% of area median income.
The income ceiling is 80% of area median income. If you are under that and have not had a REAP survey in five years, the survey is free, you get a $50 bill credit and a $35 Marketplace voucher on completion, and a qualifying household can have LED bulbs, a smart thermostat, door sweeps, attic hatch covers, water heater blankets, pipe insulation and water conservation devices installed at no cost. One correction for anyone working from older material: as of 1 January 2026 REAP no longer does appliance evaluations, so free refrigerator, window air conditioner, dehumidifier and air purifier replacement is gone. Every household member has to meet the income guideline and you need proof of income ready when the technician arrives or the appointment may be cancelled; the technician decides which measures go in based on your circumstances.
Eligibility and how to apply →PSEG Long Island
Residential Charger Rebate
$100 off a qualified Level 2 EV charger, plus an extra $300 — $400 in total — if your home is in a Disadvantaged Community or you are on PSEG Long Island's Household Assistance Program.
One hundred dollars off a qualified Level 2 charger, or $400 in total if your home is in a Disadvantaged Community or you are on PSEG Long Island's Household Assistance Program — so if you might qualify for that program, getting onto it first is worth $300 here on top of the bill discount itself. One wording caution: the page's phrasing could be read as requiring both the DAC location and the Household Assistance enrollment rather than either, so confirm which applies to you before buying. Keep this separate from the vehicle, because PSEG Long Island states plainly that it offers no incentive or rebate for buying an EV — the vehicle rebate is NYSERDA's Drive Clean, a different program with its own rules. PSEG Long Island does not endorse installers but does list participating contractors approved under its training program, and because the window follows the annual program cycle rather than being fixed on the page, confirm the current year's window before you order equipment.
Eligibility and how to apply →PSEG Long Island
Whole House Energy Assessment
No charge to the customer. The assessment includes a check of insulation and drafts, a thermal scan for hidden heat loss and a blower door test, and PSEG Long Island says the improvements it identifies could save up to 20% on energy bills. It is the gateway to the measure rebates, which are priced separately.
Book this first, because it is free and it is the gateway to every measure rebate that follows — insulation and draft checks, a thermal scan for hidden heat loss and a blower door test, at no charge. The assessment tells you which weatherization and heat pump rebates your house can actually earn, and it is also where your income tier gets established: low income is 60% of area median income and moderate income is 80% AMI. Anyone on PSEG Long Island residential service can book it; to claim rebates on the work it recommends you must then use a participating contractor, and the higher income tiers require verification. Treat it as diagnosis before treatment rather than as a formality to get through.
Eligibility and how to apply →Niagara Mohawk Power Corporation d/b/a National Grid 3 programs
NYS Clean Heat Statewide Heat Pump Program, administered by Niagara Mohawk Power Corporation d/b/a National Grid
NYS Clean Heat - Residential Space Heating Incentives (National Grid)
Cold-climate air source heat pump doing the full heating load: $4,000 for a single-family home outside a disadvantaged community, $8,000 in the Weatherized Tier; $6,000 / $10,000 inside a DAC. Apartments or single-family homes under 1,000 sq ft: $2,000 / $4,000 outside a DAC, $3,000 / $5,000 inside. With decommissioning: $7,000 / $12,000 outside a DAC, $9,000 / $14,000 inside (single family). Ground source retrofit: $18,000 / $23,000 outside a DAC, $23,000 / $28,000 inside; ground source new construction $14,000 outside a DAC and $19,000 inside, Weatherized Tier only. Partial-load to full-load conversion: $4,000 single family, $2,000 apartment.
In the 1 September 2026 Clean Heat manual, National Grid Upstate ground source retrofit pays $18,000 to $23,000 outside a disadvantaged community and $23,000 to $28,000 inside one. If geothermal suits your property, that is a large offset against the cost, and a qualified contractor can tell you whether it fits. On air source, the base full-load rate is $4,000 for a single-family home and $6,000 inside a disadvantaged community, and decommissioning the old fossil system takes a single-family project to $12,000, or $14,000 inside a disadvantaged community. Be careful with averages quoted for these programs, because an average heat pump or geothermal figure is a marketing summary rather than a rate in the program manual, and the manual is what your contractor gets paid against. The route into the Weatherized Tier most Upstate homes will use is prior participation in National Grid's Total Home Comfort program with attic or roof insulation included, so if you have not insulated yet, have that conversation first.
Eligibility and how to apply →NYS Clean Heat Statewide Heat Pump Program, administered by Niagara Mohawk Power Corporation d/b/a National Grid
NYS Clean Heat - Residential Water Heating Incentives (National Grid)
$1,250 per heat pump water heater, downstream or retail-only midstream. A ground source heat pump desuperheater pays $100 per unit.
This is a flat $1,250 per heat pump water heater rather than a ceiling, so if you see it written as up to $1,250 somewhere, that undersells it — the program table sets one amount per unit. One National Grid quirk to settle before you buy: its midstream channel is labeled retail-only, which is narrower than the route the other five Clean Heat utilities offer, and we could not establish from the program manual what that label excludes. Ask your installer which channel your purchase actually runs through. A ground source desuperheater pays $100 per unit, and the building must be one to four dwelling units in National Grid's Upstate territory.
Eligibility and how to apply →Niagara Mohawk Power Corporation d/b/a National Grid
Weatherization Health and Safety Program
No-cost home assessment and no-cost repair of the health and safety problems that would otherwise block a weatherization job, for households that are income-qualified on NYSERDA's EmPower+ guidelines. A qualifying household pays nothing; the value is set by what the assessment finds.
This is the program that unblocks a weatherization job rather than one that pays for insulation: the assessment and the repair of the health and safety problems that would otherwise stop the work are both at no cost to you. The sequence is fixed and worth getting right — you apply to EmPower+ first and complete the no-cost Health and Safety Assessment, and this follows from that rather than standing on its own. Eligibility is income-qualified against NYSERDA's EmPower+ guidelines, for a single-family home or a rental of four units or fewer, with renters needing landlord approval. Buildings of five or more units are explicitly excluded and routed to the Affordable Multifamily Energy Efficiency Program instead, so if that is your building, start there rather than here.
Eligibility and how to apply →Central Hudson Gas & Electric Corporation 2 programs
NYS Clean Heat Statewide Heat Pump Program, administered by Central Hudson Gas & Electric Corporation
NYS Clean Heat - Residential Space Heating Incentives (Central Hudson)
$4,000 for a cold-climate air source heat pump doing the full heating load of a single-family home, or $8,000 if the home qualifies for the Weatherized Tier. $2,000 / $4,000 for an apartment or a single-family home under 1,000 sq ft. With decommissioning of the old fossil-fuel system: $7,000 / $12,000 single family, $3,500 / $6,000 apartment. Ground source heat pump retrofit: $15,000 / $20,000 single family, $7,500 / $10,000 apartment; ground source new construction $8,000 / $4,000 (Weatherized Tier only). Converting an existing partial-load heat pump to full load: $3,000 single family, $1,000 apartment.
Central Hudson sets one Clean Heat rate for every address in its territory, which is the one of the six utility tables that works that way. Your address does not change the amount you are paid here. It changes the share of project cost the program will cover, at 85% inside a designated disadvantaged community against 70% outside. What does change the amount, substantially, is the Weatherized Tier: a cold-climate air source heat pump carrying the full heating load of a single-family home pays $4,000, or $8,000 if the home qualifies, and decommissioning the old fossil system takes that to $7,000 or $12,000. You reach that tier through ground-source new construction, prior participation in an approved weatherization program, or a measured heating load per square foot below the Upstate standard, which makes the load calculation worth doing before the equipment is chosen rather than after. One caution: these figures come from the version of the program manual effective 1 September 2026 that sits in the contractor toolkit, so ask your contractor which version they are quoting from.
Eligibility and how to apply →NYS Clean Heat Statewide Heat Pump Program, administered by Central Hudson Gas & Electric Corporation
NYS Clean Heat - Residential Water Heating Incentives (Central Hudson)
$1,250 per unit for a heat pump water heater bought downstream, and $1,250 per unit through the midstream channel, where the distributor also receives $150 and the installer $50. A ground source heat pump desuperheater pays $100 per unit.
A flat $1,250 per heat pump water heater, and what is useful about Central Hudson's is that it is steady rather than promotional — it is one of only two of the six Clean Heat utilities running no limited-time water heating offer this autumn. Tank capacity is capped at 120 gallons and the building has to be one to four dwelling units. Buy through the midstream channel and the amount reaching you is the same $1,250, with a further $150 to the distributor and $50 to the installer, which means the discount may already be inside the price you are quoted — ask whether it is, so you are not also expecting a cheque. A ground source desuperheater adds $100 per unit if you are already putting in a ground loop.
Eligibility and how to apply →Consolidated Edison Company of New York, Inc. 2 programs
NYS Clean Heat Statewide Heat Pump Program, administered by Consolidated Edison Company of New York, Inc.
NYS Clean Heat - Residential Space Heating Incentives (Con Edison)
Air source heat pump with decommissioning of the old fossil-fuel system, doing the full heating load: $7,000 for a single-family home outside a disadvantaged community, or $10,000 in the Weatherized Tier; $8,000 / $11,000 inside a DAC. Apartments: $3,500 / $5,000 outside a DAC, $4,000 / $5,500 inside. Full-load heating with integrated controls: $2,500 single family / $1,000 apartment outside a DAC, $4,500 / $2,000 inside - with no Weatherized Tier rate, because Con Edison does not pay the Weatherized Tier on projects that include integrated controls. Ground source retrofit is a whole-building rate covering every unit in a 1-4 unit building: $25,000 outside a DAC, $35,000 inside, rising to $30,000 and $40,000 in the Weatherized Tier; ground source new construction $15,000 per home outside a DAC and $20,000 inside. Converting a partial-load heat pump to full load: $4,000 single family, $1,500 apartment.
Con Edison is the only one of the six Clean Heat utilities with no plain full-load air source rate, and that is the fact to grasp before anything is designed: a project that neither decommissions the old fossil system nor includes integrated controls earns nothing here at all. Decommissioning is the better-paying route by a wide margin — $7,000 for a single-family home outside a disadvantaged community rising to $10,000 in the Weatherized Tier, and $8,000 or $11,000 inside one — while integrated-controls projects pay $2,500 to $4,500 and are barred from the Weatherized Tier entirely. Ground source retrofit is a whole-building rate rather than per-unit, from $25,000 to $40,000 depending on community designation and tier, and the scope has to cover every dwelling unit in the building. Con Edison also requires a HomeBoost Pro assessment report, paid for by the contractor, on top of the Manual J load calculation for the Weatherized Tier, so have a participating contractor walk you through which pathway your house can actually reach.
Eligibility and how to apply →NYS Clean Heat Statewide Heat Pump Program, administered by Consolidated Edison Company of New York, Inc.
NYS Clean Heat - Residential Water Heating Incentives (Con Edison)
$1,300 per heat pump water heater through either the retailer or the midstream channel, with the distributor receiving $150 and the installer $50 on midstream. A limited-time offer raises this to $1,500 per unit on both channels for applications submitted between 1 September and 30 November 2026, with the distributor incentive rising to $300 and the installer incentive to $200.
This is the one Clean Heat water heating offer where the limited-time rate genuinely reaches the customer: $1,500 per heat pump water heater instead of $1,300, for applications submitted between 1 September and 30 November 2026. The test is the date the application goes in, not the date equipment is bought or installed — which matters, because a competing 31 December equipment-purchase deadline is circulating, and we could not locate it in the Version 3 program manual, whose own test is the application date. Get your contractor to confirm in writing which test applies to your job. Retailer and midstream channels pay the customer the same amount and differ only in who handles the paperwork, and the building must be one to four dwelling units in New York City or Westchester.
Eligibility and how to apply →New York State Electric & Gas Corporation 2 programs
NYS Clean Heat Statewide Heat Pump Program, administered by New York State Electric & Gas Corporation
NYS Clean Heat - Residential Space Heating Incentives (NYSEG)
Cold-climate air source heat pump doing the full heating load: $4,000 for a single-family home outside a disadvantaged community, $8,000 in the Weatherized Tier; $5,000 / $9,000 inside a DAC. Apartments or single-family homes under 1,000 sq ft: $2,000 / $4,000 outside a DAC, $2,500 / $4,500 inside. With decommissioning: $7,000 / $12,000 outside a DAC, $8,000 / $13,000 inside (single family). Ground source retrofit: $15,000 / $20,000 outside a DAC, $16,000 / $21,000 inside; ground source new construction $10,000 outside a DAC and $11,000 inside, Weatherized Tier only. Partial-load to full-load conversion: $3,000 single family, $1,500 apartment.
The Weatherized Tier takes the base full-load air source rate for a single-family home from $4,000 to $8,000, and a decommissioning project from $7,000 to $12,000. Three routes in: ground-source new construction, having already completed the NYSEG/RG&E Home Insulation and Air Sealing Program with a contractor-led package including air sealing plus one other insulation measure, or a measured heating load per square foot below the Upstate standard. Sequence is the real decision here — have a contractor price the weatherization and the heat pump together rather than as separate jobs.
Eligibility and how to apply →NYS Clean Heat Statewide Heat Pump Program, administered by New York State Electric & Gas Corporation
NYS Clean Heat - Residential Water Heating Incentives (NYSEG)
$1,250 per heat pump water heater, downstream or midstream, with the distributor receiving $150 and the installer $50 on midstream. A ground source heat pump desuperheater pays $100 per unit. A limited-time offer running for applications submitted between 1 September and 30 November 2026 keeps the customer amount at $1,250 but doubles the distributor incentive to $300 and raises the installer incentive to $200.
Your rebate is $1,250 per heat pump water heater and it does not fall on 30 November 2026, which is worth saying plainly because there is a limited-time offer running to that date and it raises only the trade-channel payments. The distributor goes from $150 to $300 and the installer from $50 to $200; the household's $1,250 is identical either side of the deadline. A ground source desuperheater adds $100 per unit, and the installation has to be in a building of one to four dwelling units.
Eligibility and how to apply →Orange and Rockland Utilities, Inc. 2 programs
NYS Clean Heat Statewide Heat Pump Program, administered by Orange and Rockland Utilities, Inc.
NYS Clean Heat - Residential Space Heating Incentives (Orange & Rockland)
Cold-climate air source heat pump doing the full heating load: $4,000 for a single-family home outside a disadvantaged community, $8,000 in the Weatherized Tier; $6,000 / $10,000 inside a DAC. Apartments or single-family homes under 1,000 sq ft: $2,000 / $4,000 outside a DAC, $3,000 / $5,000 inside. With decommissioning: $7,000 / $12,000 outside a DAC, $9,000 / $14,000 inside (single family). Ground source retrofit: $18,000 / $23,000 outside a DAC, $20,000 / $25,000 inside; apartment ground source retrofit $7,500 / $10,000 outside a DAC and $8,500 / $11,000 inside. Ground source new construction $14,000 outside a DAC, $20,000 inside, Weatherized Tier only. Partial-load to full-load conversion: $4,000 single family, $2,000 apartment.
Orange & Rockland is a Con Edison subsidiary, and the mistake to avoid is assuming the parent's numbers apply — O&R files its own rates and they differ from Con Edison's in nearly every cell. For a Rockland, Orange or Sullivan County homeowner the standout is ground source retrofit, where O&R pays $20,000 base inside a disadvantaged community and $25,000 in the Weatherized Tier. Full-load air source pays $4,000 for a single-family home outside a disadvantaged community and $6,000 inside, rising to $8,000 and $10,000 in the Weatherized Tier, with decommissioning taking it to $12,000 or $14,000. The O&R-specific route into that tier is prior completion of its Sealed Comfort Plan with a contractor-led package including air sealing plus one other insulation measure, so if the envelope work has not been done, that is the first call rather than the equipment order.
Eligibility and how to apply →NYS Clean Heat Statewide Heat Pump Program, administered by Orange and Rockland Utilities, Inc.
NYS Clean Heat - Residential Water Heating Incentives (Orange & Rockland)
$1,250 per heat pump water heater, downstream or midstream, with the distributor receiving $150 and the installer $50 on midstream. A ground source heat pump desuperheater pays $100 per unit. A limited-time offer for applications submitted between 15 September and 31 December 2026 keeps the customer amount at $1,250 on both the retailer and midstream channels and raises the distributor incentive to $300 and the installer incentive to $200.
The dates are what catch people here. O&R's limited-time water heating offer runs 15 September to 31 December 2026, where its parent Con Edison's runs 1 September to 30 November — a month out at both ends, so anyone assuming the parent's window applies will be wrong twice. The customer's amount is $1,250 per heat pump water heater and it does not move inside that window; the uplift goes to the distributor, at $300, and the installer, at $200. A ground source desuperheater adds $100 per unit if a ground loop is going in anyway.
Eligibility and how to apply →Rochester Gas and Electric Corporation 2 programs
NYS Clean Heat Statewide Heat Pump Program, administered by Rochester Gas and Electric Corporation
NYS Clean Heat - Residential Space Heating Incentives (RG&E)
Cold-climate air source heat pump doing the full heating load: $4,000 for a single-family home outside a disadvantaged community, $8,000 in the Weatherized Tier; $5,000 / $9,000 inside a DAC. Apartments or single-family homes under 1,000 sq ft: $2,000 / $4,000 outside a DAC, $2,500 / $4,500 inside. With decommissioning: $7,000 / $12,000 outside a DAC, $8,000 / $13,000 inside (single family). Ground source retrofit: $15,000 / $20,000 outside a DAC, $16,000 / $21,000 inside; ground source new construction $10,000 outside a DAC and $11,000 inside, Weatherized Tier only. Partial-load to full-load conversion: $3,000 single family, $1,500 apartment.
RG&E's space heating rates match NYSEG's cell for cell: $4,000 base for a full-load air source system in a single-family home, $8,000 in the Weatherized Tier, $7,000 or $12,000 with decommissioning — and inside a disadvantaged community, $5,000, $9,000, $8,000 or $13,000. What does not match is how you get into that tier. RG&E has closed its Home Insulation and Air Sealing Program to new customers, which shuts the prior-participation route for any household that has not already done the work, leaving ground-source new construction or a measured heating load below the Upstate standard. If you are an RG&E customer who has not insulated, get the load calculation done early, because it is now one of only two doors into a tier; ground source retrofit pays $15,000 to $21,000 depending on community designation and tier.
Eligibility and how to apply →NYS Clean Heat Statewide Heat Pump Program, administered by Rochester Gas and Electric Corporation
NYS Clean Heat - Residential Water Heating Incentives (RG&E)
$1,250 per heat pump water heater, downstream or midstream, with the distributor receiving $150 and the installer $50 on midstream. A ground source heat pump desuperheater pays $100 per unit. A limited-time offer for applications submitted between 1 September and 30 November 2026 keeps the customer amount at $1,250 and raises the distributor incentive to $300 and the installer incentive to $200.
$1,250 per heat pump water heater, matching NYSEG's schedule exactly, with $100 for a desuperheater if you are installing a ground loop. The autumn 2026 offer running to 30 November does not change your figure — it lifts the distributor payment to $300 and the installer payment to $200, while the household amount stays at $1,250 on both sides of the date. The tank has to go into a building of one to four dwelling units in RG&E's Rochester-area territory.
Eligibility and how to apply →Other programs 2 programs
The Brooklyn Union Gas Company d/b/a National Grid NY (KEDNY) and KeySpan Gas East Corporation d/b/a National Grid (KEDLI)
Weatherization Health and Safety Program
No-cost home safety improvements that remove barriers to weatherization, plus a no-cost Health and Safety Assessment, for households that are income-qualified on NYSERDA's EmPower+ guidelines. A qualifying household pays nothing; the work is done by National Grid's pre-selected contractors.
This exists to clear the obstacles that stop a weatherization job rather than to pay for insulation: a no-cost Health and Safety Assessment plus no-cost repair of the safety problems that would otherwise block the work, carried out by National Grid's pre-selected contractors. The order of operations is what matters — you apply to EmPower+ first, and this follows from that assessment rather than being something you apply to directly. Eligibility is income-qualified on NYSERDA's EmPower+ guidelines, for a single-family home or a rental of four units or fewer, with renters needing landlord approval. A building of five or more units is directed to the Affordable Multifamily Energy Efficiency Program instead, so start there if that is your property rather than here.
Eligibility and how to apply →New York State Homes and Community Renewal (HCR), Office of Housing Preservation
Weatherization Assistance Program (WAP)
Offered statewide in New York — the program sets who qualifies
No cost to the household. After an on-site energy audit, a local Weatherization Assistance Provider installs the measures the home needs — air sealing, attic and wall insulation, heating system repair or replacement, efficient lighting and appliances, window and door repair or replacement, and the small repairs and health-and-safety fixes needed to make the work possible. Owners of rental buildings do have to contribute to the cost of improvements on their properties.
No cost to the household. HCR states that anyone in the household receiving SSI, Public Assistance or HEAP makes the whole household automatically eligible without an income calculation; confirm your own position with your local Weatherization Assistance Provider. Otherwise the test is income against the published WAP limits, and there is a catch — HCR's currently published limits are headed PY25 and sit a program year behind the HEAP limits the state has already posted, so confirm the current figures with your local Weatherization Assistance Provider rather than working from the table you find. After an on-site audit the provider installs what the home needs: air sealing, attic and wall insulation, heating system repair or replacement, efficient lighting and appliances, window and door work, and the small repairs and health-and-safety fixes that make the rest possible. Renters qualify and landlords can apply, though an owner of a rental building does contribute to the cost — priority goes to seniors, families with children and people with disabilities, and applications are taken continuously by the provider for your county.
Eligibility and how to apply →Tick the ones you want to look into and the button below takes you to one short form. It sends your request to an independent contractor who does this kind of work — nothing is sent until you fill that in and submit it, and we cannot promise a contractor is available in every part of the state. Most of these programs want the assessment and the installation done by a contractor they or the county agency accept, so ask the program whether a contractor is one it works with. Who pays that contractor is not the same from one program to the next. A few pay an approved contractor directly for work they have accepted. Most pay you a set amount, or a share of a price you owe the contractor in full, and on a large job the rest of that price can be most of it. So before any work starts, get the contractor’s price in writing and ask the program what it would actually put toward that number, and who pays for anything the contractor finds that the program will not cover.
An introduction, not a recommendation. Ticking a program is not an application for it, it does not affect anything you have already applied for, and it does not mean we have established that you qualify. We do not perform the work, we do not decide who qualifies, and being listed is not an endorsement. GetEnergyRebates.com may be paid a referral fee by a contractor it introduces you to; you pay us nothing and you are under no obligation to hire anyone.
Financing and loans
This is money you borrow and pay back, not a rebate. Interest rates, terms and how the loan is repaid differ from one program to the next — some are repaid on a utility bill, some directly to the lender, and some are secured by a lien on your home — and these listings do not carry the rate or the repayment schedule. Ask the lender for those, along with the fees, and have them in writing before you commit. The amount, the term and the approval are set by whoever lends the money, after its own review of your credit or your payment history. We do not lend and we have no relationship with any lender or lessor on this list. Being listed here is not a recommendation of one, and we take no part in the loan or the lease. Read the lender’s terms before you sign anything.
New York State Energy Research and Development Authority (NYSERDA)
On-Bill Recovery Loan
Offered statewide in New York — the program sets who qualifies
REPAID BY THE CUSTOMER. $1,500 to $25,000.
Availability and timing, as we recorded it: No closing date was found; applications are taken on an ongoing basis after a no-cost energy assessment.
The fact that separates this from NYSERDA's other residential loan is what it attaches to: a declaration is filed with the County Clerk recording the obligation against your property, and the balance may transfer to a new owner when you sell provided you give the buyer written notice. That makes it a commitment attached to the house rather than only to you, and it is the thing to understand before you sign. It is borrowed money you pay back, $1,500 to $25,000, collected as a line on your utility bill, and your estimated average energy cost savings must be greater than the loan payments for the loan to be used at all. You need to own the home, be named on the utility account and be served by Central Hudson, Con Edison, PSEG Long Island, NYSEG, National Grid upstate, Orange & Rockland or RG&E; PSEG Long Island electric customers apply through the utility rather than NYSERDA, additions and new construction and gut rehabilitation are excluded, and a no-cost energy assessment comes first. NYSERDA publishes the current rate and repayment terms on its own rate page and they change, so take them from there before you sign.
Lender and terms →New York State Energy Research and Development Authority (NYSERDA)
Smart Energy Loan
Offered statewide in New York — the program sets who qualifies
REPAID BY THE CUSTOMER. $1,500 to $25,000.
Availability and timing, as we recorded it: No closing date was found; applications are taken on an ongoing basis after a no-cost energy assessment.
NYSERDA's own sentence is the right place to start: loans are not incentives or rebates and must be paid back. You can borrow $1,500 to $25,000, unsecured, for work a no-cost energy assessment identifies first. The difference from NYSERDA's On-Bill Recovery Loan is what happens when you sell: with this one you stay liable, where an On-Bill Recovery balance can transfer to the buyer. The credit criteria are published rather than opaque so you can check yourself before applying — a 540 to 599 score needs debt-to-income at or under 40% rising to no limit at 720 and above, a mortgage paid on time for 12 months with nothing over 60 days late in 24, no bankruptcy, foreclosure or repossession in 24 months, and outstanding collections, judgments, liens and charge-offs not over $2,500. NYSERDA publishes the current rate and repayment terms on its own rate page and they change, so take them from there before you commit to a project cost.
Lender and terms →How this kind of help works
If you want to understand how this kind of help works rather than find a single program, we have written that up separately: Help paying your energy bill →
These are run separately
Bill help, the home improvement programs and ordinary rebates are run by different organizations under different rules, and holding one does not automatically rule out the others — though a few of these programs do exclude each other, so check the rules of each. Bill help covers what you owe now, the home improvement work can lower what you owe later, and the rebates cover equipment neither of those reaches. Check which New York rebates apply to you →
Frequently Asked Questions
How do I find out whether I qualify?
Ask the program. Each one sets its own rules, the rules are not the same from one utility to the next, and they are rewritten between program years. We publish what exists and link straight to the organization running it. We do not assess anyone, we do not handle applications, and we cannot tell you what answer you will get. If you already receive HEAP, SNAP, Medicaid or SSI, say so when you call, because several of these programs treat a benefit you already hold as the shortest route in.
Why does the page ask for my ZIP code?
Because most of this help is run by whoever bills you, and that is settled by your address rather than by your town. One company’s affordability program is not open to another company’s customers, so showing all of them at once would mostly be showing you other people’s programs. The statewide ones, HEAP among them, appear for everyone. We use the ZIP to work out which utility serves you and for nothing else, and it tells us nothing about whether you qualify.
Is everything listed here money toward my bill?
No, and the difference is worth catching before you act on any of it. The listings under “Help paying your energy bill” are the ones that are: a credit on your bill, or a payment the program makes to your heating vendor instead of to you. The home improvement listings pay toward work on the house rather than toward what you owe this month. The loans are money you borrow and pay back. Solar turns up here in more than one form, and the difference matters. Statewide Solar for All and the REACH credit are bill credits a utility applies for the households it enrolls, and taking part costs nothing: nothing is installed at the house, nothing is signed, and there is no subscription to pay. A community solar subscription is a different animal: it is a contract you sign with a private provider and pay for, and your saving is whatever gap the provider leaves between the credits you receive and the subscription you are billed for. One listing is a charge rather than a benefit, and it is here because it lands on the bill of a household that goes solar and belongs in the installer’s quote rather than in the first surprise bill. Read each listing for what it actually is before you count it as help.
Several utilities list two versions of the same discount. Which one is mine?
The utility decides that, and it decides it from what you can document. The regular version generally runs off a benefit you already receive; the more generous version is tested against income directly, in bands the utility sets. Two things follow from that. The band you land in drives the size of the credit, and the amounts are not the same from one company to the next, so a figure you read on another utility’s page tells you nothing about your own. Several utilities also run the two as alternatives rather than as a pair. Each listing carries that program’s own terms, and the utility will confirm yours before you plan around a number.
Can I get help with the bill and the home improvement work at the same time?
Often, yes, and they are separate applications to different organizations. Help with a bill deals with what you owe now; the home improvement programs deal with what the house uses, and a household that clears the income test for one is frequently in range for the other. A few of them do exclude each other, so read the terms of the one you are applying for rather than assuming in either direction. The improvement side starts with someone assessing the home, and what the work covers is decided from that assessment rather than in advance.
What if I rent?
Several of the bill programs serve renters directly, because the account is in your name and the credit lands on it. Where the account is in your landlord’s name the route is a different one, and the program will tell you what it is. The home improvement programs are work done to the building rather than to your belongings, so the owner has to agree to it, and at least one of them asks the owner of a rental property to contribute toward the cost. Ask the program instead of assuming that renting rules you out.