IRA Rebate Eligibility Checker
Which IRA Rebates Do You Actually Qualify For?
Find out which federal Inflation Reduction Act programs you qualify for. Covers the 25C tax credit (no income limit), HEEHRA electrification rebates (income-qualified), and HOMES performance rebates. Plus stacking rules and your state’s rollout status.
Your potential rebate stack
$0
Based on your income, state, and selected projects.
Your income vs AMI (HEEHRA / HOMES)
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How federal income tiers work (reference)
Fixed program definitions below: they are not your personalized tier label. Your tier is computed above from state, household size, and income.
- Low-income (HEEHRA): annual household income at or below 80% AMI — qualifies for the maximum HEEHRA percentage (up to caps).
- Moderate-income (HEEHRA): above 80% AMI through 150% AMI — qualifies for the partial HEEHRA percentage (up to caps).
- Above 150% AMI: not eligible for HEEHRA income-qualified rebates (25C tax credit may still apply).
Section 30C (EV charger) uses a separate rule: an address in a non-urban area or a HUD-designated low-income census tract. That tract label is geographic, not your household AMI tier.
Eligible federal programs
State and utility programs in your state
Important. This tool estimates eligibility based on the rules as of 2026-05-10. AMI thresholds are state-level approximations from HUD published 4-person income limits, scaled by household size. Actual HUD limits are county-specific and may differ from your state average. HEEHRA and HOMES programs are administered state by state with rollout still in progress. Always confirm with your state energy office and a tax professional before making decisions.
Want help applying for these programs?
We can match you with a contractor who handles IRA rebate paperwork directly. They submit the applications, you sign one form, the rebate either reduces your invoice or comes back to you depending on the program.
Affiliate disclosure: when you accept a contractor match through our service, we may earn a referral fee at no cost to you. How we make money.
Federal IRA programs are administered through the IRS (25C tax credit) and state energy offices (HEEHRA, HOMES). State rollout status varies. This tool reflects rules as of 2026-05-10 and is not tax or legal advice.
Data sources and methodology
AMI thresholds: HUD FY2025 4-person household income limits (state median), scaled by household-size factor (1p: 70%, 2p: 80%, 3p: 90%, 4p: 100%, 5p: 108%, 6p: 116%, 7p: 124%, 8+p: 132%). State-level approximation; HUD publishes at the county/metro level and your specific limit may differ. HUD Income Limits dataset. Last reviewed 2026-05-10.25C Energy Efficient Home Improvement Credit: 30% of installed cost, annual caps per project type, no income limit, available 2023-2032. IRS guidance.
HEEHRA Home Electrification and Appliance Rebates: Income-qualified only, 80%-150% AMI tiers, household total cap $14,000. State-administered. DOE program page.
HOMES rebates: Performance-based on modeled or measured energy savings. Two tiers (20-35% savings, 35%+ savings). State-administered. Same DOE source.
State HEEHRA/HOMES rollout status: Compiled from DOE state rollout tracker and individual state energy office announcements as of 2026-05-10. Status moves frequently; verify with your state.
Section 30C EV charger credit: Eligibility-conditional (non-urban area OR HUD-designated low-income census tract — geographic, not the same as household AMI %). Listed for context but not auto-applied. DOE eligibility map.
Section 25D residential solar credit: ENDED Dec 31 2025. NOT covered by this tool.
What this tool does NOT do: Determine eligibility for utility-specific rebates (use our cost calculators for those), submit any applications on your behalf, or guarantee program funding availability. Always verify with your state energy office and tax pro.
Data last updated 2026-05-10 · Methodology