Start with a home assessment and a complete budget. The most useful improvement depends on the condition of your home and equipment.
- Identify safety, moisture and repair needs first.
- Compare insulation, air sealing and ductwork with equipment replacement options.
- Use home-specific heating and cooling loads when sizing equipment.
- Compare full installed cost, maintenance, warranties and estimated operating costs.
- Confirm the exact incentive and any preapproval before starting.
Program status checked September 12, 2026. Federal homeowner credits 25C and 25D are unavailable for new installations after December 31, 2025. Texas HEAR and HOMES rebates have not launched, according to SECO's August 21, 2026 update. Confirm current utility funding before committing to work.
Official sources: IRS: 25C, IRS: 25D, SECO: Texas rebate status.