Homeowner Guide

Insulation Rebates in New York and New Jersey

This page used to tell you a federal tax credit would cover 30% of your
insulation. That is no longer true. It was our page saying it, and we have
rewritten it rather than quietly deleting the claim.

Here is what is actually open in 2026, what has closed, and which official
pages are still advertising programs you cannot get.

The federal tax credit is gone

Section 25C, the federal energy efficient home improvement credit, covered
30% of insulation and air sealing costs up to an annual cap. The IRS wording is
“The credit will not be allowed for any property placed in service after
December 31, 2025.” ENERGY STAR says the same: the credit ran through
31 December 2025.

There is no federal insulation tax credit for a job installed in
2026. Not in New York, not in New Jersey. If a contractor still has a
30% federal credit line in a quote, that quote is wrong, and tax time is an
unpleasant place to find out.

Con Edison has nothing open for houses

Con Edison’s residential weatherization program is closed. Their own page
says “The Weather Ready program is no longer accepting applications” and
“Stay tuned for information on our Residential Weatherization incentives for
2027,” and it points Westchester customers to NYSERDA’s Comfort Home Program in
the meantime.

A specific warning. Con Edison’s rebates index page still
carries a tile advertising “Get up to $4,000 to Make Your Home Weather Ready.”
That tile contradicts Con Edison’s own detail page and it is stale. It is
currently the most common reason a Westchester homeowner calls us expecting
money that is not there.

Two other Con Edison programs get confused with this one. The Residential
Neighborhood Program, which can cover up to 100% of cost, is Southeast
Queens only. The multifamily program, for buildings of five or more
units, is active for 2026. If you own a house in Westchester, neither helps.

NYSERDA Comfort Home: the live program for most of Westchester

With Con Edison closed, Comfort Home is the working program for most
Westchester homeowners. It pays in fixed packages rather than per square
foot.

  • Good Package — $2,500. Seal air leaks and insulate
    the attic and rim joist. NYSERDA puts the average saving at 14% on heating and
    cooling.
  • Better Package — $3,000. The above plus wall and
    floor insulation. NYSERDA puts that at about 20%.
  • Windows add-on — $2,000. After the air sealing and
    insulating, upgrading to ENERGY STAR windows. NYSERDA puts the additional saving
    at 8%.

Repeat participants can get up to $1,000 if the earlier
project was within the past year, up to $2,000 if it was longer
ago.

Eligibility, in NYSERDA’s words: “Homeowners of one-to-four family homes who
pay into the System Benefits Charge (SBC) on their electric bill are eligible to
participate.” That charge is on most investor-owned utility bills in the state,
so it is a low bar here.

Two rules catch people. The work has to be done by a contractor on NYSERDA’s
approved Comfort Home list. And the house has to meet the conditions of the
entire package — you cannot complete two thirds of the
Better Package and collect $3,000.

One thing we could not verify. NYSERDA’s live page mentions
an additional $1,000 for Westchester residents ineligible for Con Edison’s
Weather Ready Program. The fact sheet behind it is dated July 2024 and describes
a retired package structure, and Weather Ready is now closed to everyone, which
makes the condition ambiguous rather than generous. We are checking with
NYSERDA. Do not budget for it.

EmPower+ for income-qualified households

EmPower+ is NYSERDA’s income-qualified program and it is considerably more
generous than Comfort Home. You are eligible if household income is below 80% of
state or area median income, or if you participate in a utility
payment assistance program. That second route matters — people who assume
they earn too much sometimes qualify through it.

It covers “air sealing, insulation, heat pumps, heat pump water heaters, and
electrical service and wiring upgrades.”

  • Low income: no-cost improvements, capped at $14,000
    per project     downstate. Westchester is downstate.
  • Moderate income: 50% of cost, capped at
    $7,000 downstate.

EmPower+ is also how New York delivers the federal HEAR money: up to
$1,600 for ENERGY STAR qualified insulation, air sealing and
ventilation. NYSERDA’s wording is “Currently the only IRA home energy
rebate programs available in NYS are IRA HEAR incentives offered through the
EmPower+ program.”

We are deliberately not publishing an income figure. Thresholds vary by county
and household size and they move. Use NYSERDA’s own household income eligibility
tool on the EmPower+ page.

NYSEG: the one open utility rebate, and only in six towns

NYSEG has an open insulation and air sealing incentive worth up to
$2,000, and unlike everything else here it is
instant. NYSEG’s wording is that it is “automatically deducted
from total work cost.” Nothing to file.

Who qualifies: current NYSEG customers in single-family homes, townhouses
with individual meters, mobile homes, and one to four unit residences. Heating
with gas qualifies. So does heating with delivered fuels — oil,
propane, wood, kerosene — with some air conditioning. So does a
heat pump or electric resistance. Being off the gas main does not disqualify
you, which matters in northern Westchester.

The catch is territory. NYSEG serves parts of six Westchester towns:
Bedford, Lewisboro, North Salem, Pound Ridge, Somers and
Yorktown. Parts. The boundary does not follow the town line — a
substantial share of each is Con Edison electric, and neighbors on the same road
can be on different utilities.

Read the name on your electric bill. That is the only
reliable way to know. Con Edison is the sole gas utility in Westchester County,
so a Con Edison gas bill tells you nothing about who delivers your
electricity.

Rockland County: Orange & Rockland has nothing of its own, so it is NYSERDA

Orange & Rockland is both the electric and the gas utility for all of Rockland County, and it does not run an insulation or air-sealing rebate. Its weatherization page sends homeowners to NYSERDA, which is the honest place to start.

That means the NYSERDA programs above are the Rockland programs. Comfort Home pays the same $2,500 and $3,000 packages to O&R customers, through a participating Comfort Home contractor, as a credit on the contract. EmPower+ counts Rockland as downstate, so the no-cost cap is $14,000 and the moderate-income cap is $7,000, with the federal HEAR add-on of up to $1,600 for air sealing, insulation and ventilation. Town by town detail is on the Rockland County page.

What to ignore

  • Home Performance with ENERGY STAR. We could not verify it as
    a current homeowner-facing program in New York; it survives mainly as a
    contractor credential. Treat any page offering you a Home Performance rebate as
    unconfirmed until NYSERDA says otherwise.
  • Assisted Home Performance. Absorbed into EmPower+.
  • New York’s HOMES and HER rebates. The other half of the
    federal home energy rebate money. We could not confirm these have launched in
    New York, and NYSERDA’s own statement is that HEAR through EmPower+ is currently
    the only such program in the state.

There is also no New York State income tax credit for
insulation. The state’s residential energy credits cover clean heating
fuel, geothermal and solar. Weatherization is not on the list.

New Jersey: the utilities run the programs, and the contractor has to be in them

We work across Bergen County. Since 2021 New Jersey’s residential efficiency programs have been run by the utilities under the state’s Clean Energy framework, so the program you can use depends on who sends your electric bill. PSE&G supplies gas to every Bergen town we cover; electricity is PSE&G in most of them and Rockland Electric (the New Jersey arm of Orange & Rockland) in Closter, Cresskill, Mahwah, Montvale, Norwood and Ramsey.

PSE&G Whole Home Energy Solutions offers up to $7,500 in rebates toward air sealing, insulation and related work, plus 0% on-bill repayment of up to $25,000 over 7 or 10 years. It starts with PSE&G’s home energy assessment, and the work must be done by a BPI-certified contractor participating in PSE&G’s program. PSE&G does not publish what each measure pays, so “up to $7,500” is as precise as anyone can be. The Whole Home Energy Assessment itself is free for any PSE&G gas or electric customer, once a year.

Rockland Electric Whole Home Energy Solutions offers up to $7,500 in rebates plus interest-free financing, typically over seven to ten years. Every project must include at least attic air sealing and an attic insulation upgrade, and the work must be done by a BPI-certified contractor participating in the program. Rockland Electric’s home energy assessment is free for its residential customers.

Two no-cost programs sit under those. PSE&G Home Weatherization and Rockland Electric Home Weatherization install insulation, air sealing and duct sealing at no cost for income-qualified households (for PSE&G, above 250% and below 400% of the federal poverty level). New Jersey Comfort Partners does the same at or below 250% of the federal poverty guidelines, for example $82,500 for a family of four; homes heated with oil or propane are referred to the state weatherization office instead.

The New Jersey IRA Home Energy Rebates have not launched. The state’s own page says “under development,” and when they do open they are aimed at multifamily buildings and at Comfort Partners households, not at a general homeowner insulation rebate. Do not count on them. The federal 25C credit is gone in New Jersey exactly as it is in New York. Town by town detail is on the Bergen County page.

What the work costs before incentives

Most of our spray foam projects run between $3,500 and
$12,500. A Comfort Home package is a fixed $2,500 or $3,000 against
that, so on a mid-sized job it covers a slice rather than the whole thing. In
the six NYSEG towns the $2,000 instant discount can come off as well.

Open cell foam runs R-3.9 to R-4.2 per inch. Closed cell
runs R-6.9 to R-7.1 per inch and also acts as a vapor retarder,
which is why it costs more and is right only in some assemblies. All products
are manufactured in the United States and meet applicable building code and
safety standards. After air sealing and insulating, homeowners typically save
20% or more on heating and cooling.

If you want help working out which one applies

We are in New Rochelle, NY, and work across Westchester, Fairfield and Bergen
counties. We walk the attic, the basement and the crawl space, tell you which
program your address qualifies for, and price the work with and without the
incentive. No charge for the audit.

Call 914-825-6824. Open 8am–8pm, seven days.

Common questions about New York and New Jersey insulation rebates

Is there still a federal tax credit for insulation in 2026?

No. The Section 25C credit will not be allowed for any property placed in
service after December 31, 2025, so a job installed in 2026 gets nothing
federal, in New York or New Jersey. This page said otherwise until we corrected
it, and plenty of other sites still do.

Can I still get $4,000 from Con Edison to weatherize my house?

No. The Weather Ready program is no longer accepting applications, and Con
Edison’s own page now points Westchester customers to NYSERDA and says to expect
news about 2027. The $4,000 tile still sitting on Con Edison’s rebates index
page is stale and contradicts their detail page.

How much is the NYSERDA Comfort Home rebate?

$2,500 to air seal and insulate the attic and rim joist, or $3,000 if wall
and floor insulation is included, plus up to $2,000 more toward ENERGY STAR
windows once the insulation work is done. Repeat participants can get up to
$1,000 or $2,000 depending on how long ago the earlier project was.

I heat with oil and I am not on a gas main. Do I qualify for anything?

Yes. NYSERDA Comfort Home keys off the System Benefits Charge on your
electric bill, not your heating fuel. And if you are a NYSEG electric customer
in Bedford, Lewisboro, North Salem, Pound Ridge, Somers or Yorktown, NYSEG
accepts delivered fuel customers with some air conditioning for its $2,000
incentive, taken straight off the cost of the work.

Do I have to use a specific contractor to get these rebates?

For NYSERDA Comfort Home, yes. The installer has to be on NYSERDA’s approved
Comfort Home list, and the house has to meet the conditions of the whole package
rather than part of it. EmPower+ also works through approved contractors. Check
before the work starts, not after.

What insulation rebates are there in Bergen County, New Jersey?

They run through your electric utility. PSE&G Whole Home Energy Solutions and Rockland Electric Whole Home Energy Solutions each offer up to $7,500 in rebates for air sealing and insulation, plus financing, through a BPI-certified contractor participating in the program, and both utilities offer a free home energy assessment. New Jersey Comfort Partners does the work at no cost for households at or below 250% of the federal poverty guidelines. The New Jersey IRA rebates have not launched, and the federal 25C credit ended for anything placed in service after 31 December 2025.

How to check this yourself

Verified 5 September 2026. Programs change — if you are reading
this much later, check the links above.

Learn more