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2026 Update · Inflation Reduction Act

IRA Homeowner Incentives — What Ended and What's Left

The 2025 tax law ended the Inflation Reduction Act's homeowner tax credits for solar, heat pumps, insulation, windows and EV chargers. The IRA's Home Energy Rebates, run by states, were not repealed and are open in a growing number of states.*

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Ended
homeowner energy tax credits
$14,000
max Home Energy Rebates per household
2 min
to your free report
12/31/25
25C and 25D ended
6/30/26
30C ended
9/30/31
Home Energy Rebate funding runs through

IRA homeowner incentives at a glance

Public Law 119-21, signed July 4, 2025, moved up the end dates for the IRA's homeowner credits. Here is where each one stands.

Projects already finished: Work completed before each credit's end date can still be claimed on that year's federal tax return.
☀️
Residential clean energy credit (25D)
Solar, batteries and geothermal. Ended after 12/31/2025
Ended
🌡️
Energy efficient home improvement credit (25C)
Heat pumps, insulation, windows, doors and audits. Ended after 12/31/2025
Ended
⚡
EV charger credit (30C)
Ended for chargers installed after 6/30/2026
Ended
🚗
Clean vehicle credits (30D, 25E)
Ended for vehicles acquired after 9/30/2025
Ended
🏠
Home Energy Rebates (HEAR and HOMES)
State-run, with income limits for HEAR. Open in some states
Up to $14,000
Federal homeowner tax credits for 2026 projects$0

What are the Home Energy Rebates?

Two IRA programs that states run with federal funds. HEAR pays income-qualified households for heat pumps, heat pump water heaters, electrical panels, wiring and insulation, up to $14,000 per household. HOMES pays for whole-home upgrades based on energy savings. As of October 2026, about a dozen states plus DC were taking applications.

What should I do now?

Check your utility's rebates, see whether your state's Home Energy Rebates are open, and compare installer quotes without any federal credit. Your HomeShark report lists the state and utility programs we know of for your state.

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03 — REPORT

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04 — QUOTES

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★★★★★
"The neighbor comparison was eye-opening — I was using 34% more electricity than similar houses. The insulation upgrade pays for itself in under two years."
Cheri J. · Las Vegas, NV · Insulation Upgrade

Frequently asked questions

Which IRA tax credits ended?

The residential clean energy credit (25D) and the energy efficient home improvement credit (25C) ended after December 31, 2025, the EV charger credit (30C) after June 30, 2026, and the clean vehicle credits after September 30, 2025.

Are the IRA Home Energy Rebates still available?

Yes. The 2025 law did not repeal them. Each state runs its own program, and as of October 2026 about a dozen states plus DC were taking applications.

Can I still claim a credit for work done in 2025?

Yes. Work completed by December 31, 2025 can be claimed on your 2025 return.

Is there an income limit for the Home Energy Rebates?

HEAR is limited to households at or below 150% of area median income. HOMES is open to all incomes, with larger rebates for lower-income households.

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