P PaybackZIP

Home · Calculator · Pennsylvania

Pennsylvania home electrification rebates (2026)

HEAR is still rolling out in PA, but Keystone HELP, AEPS solar policy, and strong utility programs make Pennsylvania a quietly good electrification state.

HEAR program: Launching soon

DOE-approved plan; rollout expected 2026.

Pennsylvania's HEAR status

Pennsylvania's HEAR plan was approved by the DOE in 2024 and is in administrative rollout. The Pennsylvania Department of Environmental Protection runs it, with launch expected throughout 2026 — first for income-qualified households, then broader middle-income tiers. As of mid-2026, PA HEAR is not yet broadly accepting applications, but the launch is closer than in some peer states.

Meanwhile, PA has several pre-existing programs that aren't going anywhere and are worth using whether HEAR is open or not.

Keystone HELP: PA's underrated financing tool

Keystone HELP (Home Energy Loan Program) provides below-market-rate financing — typically 1–2 points below conventional home improvement loans — for energy efficiency upgrades. Up to $25,000, no equity requirement, fast approval. Stackable with rebates.

This matters because the biggest barrier to electrification isn't the eventual ROI, it's the upfront capital. A $17,000 heat pump install minus eventual rebates still requires $17,000 of upfront cash unless you finance. Keystone HELP at 5–6% vs a credit card at 18% can make or break a project.

Active programs in Pennsylvania

We're tracking 3 state-level programs. Stack them with federal HEAR (where open) and utility-level rebates for the largest combined incentive.

Air-Source Heat Pump

PA Keystone HELP Loan

Open

Low-interest financing for heat pumps, water heaters, insulation, and more.

Low-interest loan up to $25,000 for energy efficiency upgrades

Air-Source Heat Pump

PECO Smart House Call Heat Pump Rebate

Open

Available to PECO residential customers in southeastern Pennsylvania.

$500–$1,200 depending on equipment tier and ductwork sealing

Heat Pump Water Heater

PECO HPWH Rebate

Open

Available to PECO residential electric customers.

$300–$600 flat rebate for qualifying HPWH

The utility landscape

  • PECO — Philadelphia metro. Decent heat pump rebate program, strong HPWH incentives, smart thermostat give-aways.
  • PPL Electric Utilities — central and northeast PA. Smaller rebate menu but pairs well with state programs.
  • Duquesne Light — Pittsburgh metro. Strong on efficiency and emerging heat pump programs.
  • FirstEnergy companies (Met-Ed, Penelec, West Penn Power) — most of the rest of the state.
  • Natural gas utilities (UGI, Columbia Gas, Peoples Gas) — currently don't offer electrification incentives (obviously), but most of PA outside Philadelphia uses gas heat, so most heat pump conversions reduce demand on these utilities.

The solar situation: AEPS keeps it interesting

Pennsylvania has an Alternative Energy Portfolio Standard (AEPS) that creates a small but real SREC market — typically $5–$40 per SREC. Not as lucrative as Illinois Shines or NJ's SRP, but it adds $100–$400/year to a typical 7 kW solar system.

Net metering is full retail in PA, which makes solar genuinely workable. State-level solar tax credit is $0 (the federal one expired), but the property tax exemption applies to commercial solar and is being expanded for residential in some counties.

A $24,000 install in PA in 2026: no federal credit, no state credit, full retail net metering, modest SREC stream, no property tax penalty. Payback 11–14 years for most homeowners. Workable but slow.

By product

Frequently asked

When does PA HEAR actually open? +

PA DEP has indicated phased launch through 2026. Low-income tier (≤80% AMI) is expected to launch first, followed by moderate-income (80–150% AMI). Specific dates have not been published. Watch the PA DEP Energy Programs page.

Can I get Keystone HELP without good credit? +

Keystone HELP has more lenient credit requirements than conventional home improvement loans, but it's not a no-credit program. The minimum FICO is around 640 for most lenders in the network. The interest rate is fixed and below market — typically 1.5–2 points below comparable home equity loans.

Is solar still worth installing in PA without the federal credit? +

It depends on your electricity rate and roof orientation. PECO and PPL territories have electricity rates of 17–20¢/kWh, which is high enough to make solar work even at 11–14 year payback. In western PA on Duquesne or West Penn at lower rates, the math is more marginal — 14–18 year paybacks are common.

Does Philadelphia have its own incentives on top of state programs? +

Philadelphia's Beneficial Electrification Program (run through Philadelphia Energy Authority and PHL Office of Sustainability) provides targeted support for low-income electrification in the city, separate from PECO's rebates. The Philly Solar Rebate provides additional $0.20/W for residential solar within city limits.

My utility is FirstEnergy. Are they as bad on efficiency as I've heard? +

FirstEnergy's residential efficiency programs are objectively less robust than PECO's or Duquesne's, which is a fair criticism. Their Act 129 rebates (PA's required efficiency program) are real but modest — $200–$600 for most heat pump and HPWH installs. State programs (Keystone HELP, eventually HEAR) fill the gap.