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Rebates & financing, without the fog

Rebate programs change yearly and half the internet is out of date. Here's what actually exists for northern Front Range homeowners in 2026 — including the part most companies skip: which programs your address can't use.

The short version

Figures checked July 2026. Programs change and have fine print — we confirm current numbers and eligibility on every quote before you commit to anything.

Federal credit: gone

The federal 25C tax credit ended December 31, 2025. 2026 installations don't qualify. We'd rather tell you that plainly than let a sales pitch imply otherwise.

Colorado credit: $1,000

The state's 2026 heat pump credit is $1,000 for air-source systems — delivered through the installing contractor, with at least a third passed to you as an upfront discount.

Utility rebates: depends on your address

Xcel, United Power, and Longmont's municipal utility all run different programs. Which one you're on decides what you get — we check for you.

Utility rebates around here, program by program

Xcel Energy territory

Xcel's rebates for cold-climate heat pumps run around $2,250 per heating ton (standard heat pumps less), which can take thousands off a right-sized system. The fine print is real: equipment has to meet cold-climate performance specs, eligibility depends on your Xcel account type, and the program requires working with a registered contractor. That box is checked here — Longview is an Xcel Energy trade partner for ducted heat pump installations, so the rebate paperwork rides along with your install instead of landing on your kitchen table.

United Power territory

Much of Frederick, Firestone, Dacono, Fort Lupton, and Brighton isn't on Xcel at all — it's on United Power, the local electric co-op. United Power pays up to $1,000 for ducted heat pumps and $500 for ductless mini-splits on retrofits, with an application window of 90 days after installation — a deadline that's easy to miss if nobody's watching it.

Longmont

Most of Longmont runs on the city's own municipal electric utility — so Xcel's electric rebates generally don't apply there, and the city's efficiency programs have their own rules. (Gas service in Longmont is still Xcel.)

Two more worth asking about

Power Ahead Colorado, a new Denver-metro rebate of $1,500 for cold-climate heat pumps, opened in mid-2026 and can apply to some metro addresses like Thornton and Broomfield. And the income-qualified federal HEAR rebate (up to $8,000 toward a heat pump) exists on paper, but funds are limited and reserved in many areas — ask us about current availability rather than counting on it.

The Colorado $1,000 state credit stacks on top of utility rebates in most cases — that's how the math gets meaningfully better.

How It Works With Us

You shouldn't need a spreadsheet to buy a furnace

When we quote a replacement, we start with your address: it tells us which utility you're on and which programs are actually in play. Your quote shows the equipment price, the rebates and credits that genuinely apply, and what that nets out to — before you decide anything.

Considering a heat pump? Rebates are most of the reason they've gotten affordable here. Start with the heat pump page, then see what a full system runs in our AC and furnace cost guides.

Financing through GoodLeap

Monthly payments
  • Financing available through GoodLeap on installations
  • Monthly payment options, subject to credit approval
  • Payment numbers shown alongside the cash price on your quote
  • No pressure either way — cash, card, or financed, the price is the price

Rebate questions, answered straight

Is the federal HVAC tax credit still available in 2026?

No. The federal 25C credit ended December 31, 2025 — 2026 installations don't qualify. Anyone telling you otherwise is selling. The good news: Colorado's state credit and the utility programs above are still active.

How much is the Colorado heat pump credit in 2026?

$1,000 for an air-source heat pump. It flows through the installing contractor, who passes at least a third to you as an upfront discount on the quote. The amount has stepped down each year — it was higher in 2024 and 2025 — so it's worth using while it lasts.

Which utility rebates apply to my address?

Whoever sends your electric bill decides: Xcel addresses use Xcel's programs, United Power addresses (much of the Carbon Valley, Fort Lupton, and Brighton) use United Power's, and most of Longmont is on the city utility. We check your address and tell you what actually applies — it's step one of every heat pump quote.

Do you offer financing?

Yes — through GoodLeap, with monthly payment options, subject to credit approval. Ask when you get your quote and we'll include payment numbers alongside the cash price.

Want the real number for your house?

Book a free replacement quote — we'll bring the rebate math with us.

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