NY · New York

Six utilities. Six rate sheets. Your zip code sets the math.

New York is the most fragmented utility map of the 11 states we serve. Con Edison, NYSEG/RG&E, National Grid Upstate, PSEG-Long Island, Central Hudson, and Orange & Rockland each set their own rate, their own territory caps, and their own bonus stack on top of the statewide NYS Clean Heat program. Con Ed customers see the highest residential rate in the country; an upstate customer thirty miles away pays roughly half. The same heat pump install pencils out very differently depending on which line your house hangs from. Here is what each utility offers in 2026.

NY · Utilities
A New York residential street: a Westchester suburban block, row of Long Island Capes, or upstate village porch in late-day amber light, distribution lines visible against the sky with mature trees and a pole-mounted transformer
~$0.34/kWh
Con Edison residential rate (highest in country)
$10,000 ASHP
Con Edison instant invoice rebate
$24,000 LMI
EmPower+ heat pump cap, income-eligible
The one most homeowners miss

Con Edison's heat pump rebate is an instant invoice deduction: $10,000 off the contractor's quote, before NYS Clean Heat ever shows up.

Con Ed's Clean Heat ASHP rebate, up to $10,000, comes off the contractor's final invoice directly; the homeowner never files paperwork or waits for a check. It stacks with the statewide NYS Clean Heat schedule (up to $12,000 combined ASHP, up to $24,000 for income-eligible households via EmPower+/HEAR funding). Combined with Con Ed's premium retail rate (the highest in the country), the heat pump payback in NYC, Westchester, and the Bronx is shorter than anywhere else in our service area. Eligibility is limited to 1-4 unit residential as of January 1, 2026.

Coverage at a glance

Who offers what.

A read across the state. Each cell shows the program count by category. The marks utilities with a flagship or unique program in that category, the ones worth a closer look.

Utility Heat pumpsSolarStorageInsulationWindows
Con Edison5331
NYSEG / RG&E3321
National Grid Upstate New York1221
PSEG-Long Island3121
Central Hudson2321
Orange & Rockland1221
Utility · 1 of 6

Con Edison (NYC, Westchester)

Con Edison serves roughly 3.5 million electric customers across New York City and most of Westchester County. Con Ed's residential retail rate runs around $0.34/kWh, the highest of any major US utility, which means every kWh of solar net metering, every avoided kWh from a heat pump, and every dispatched battery kWh is worth more here than in any other Northeast territory.

Heat pumps · 5 programs
Con Edison Air-Source Heat Pump Rebate (Clean Heat)Flagship
up to $10,000 instant
Up to $10,000 instant invoice rebate for central air-source heat pumps; the contractor deducts the rebate directly from the final invoice, no homeowner paperwork. Stacks with NYS Clean Heat statewide. Eligibility: 1-4 unit residential, must use a NYS-certified Clean Heat Participating Contractor.
Con Edison Heat Pump Water Heater Rebate
$1,000 instant
$1,000 instant rebate for ENERGY STAR-certified heat pump water heaters up to 120 gallon storage. Equipment must be purchased by December 31, 2026. Deducted from contractor invoice at point of sale.
Con Edison Smart Thermostat Rebate
up to $85
Up to $85 rebate for qualifying smart thermostats installed in Con Edison territory. Pairs naturally with a heat pump install for thermostat-controlled zoning.
NYS Clean Heat (statewide stack)
up to $12,000 ASHP
Statewide stack on top of utility-specific rebates: up to $12,000 combined for ASHP. Income-eligible customers (≤80% AMI) receive up to $24,000 through EmPower+ with HEAR funding. Eligibility limited to 1-4 unit residential as of January 1, 2026. Reauthorized for 2026-2030 with a roughly $5.36B program budget.
Heat pump electric tariff
Not yet offered
No Con Edison-specific discounted heat pump electric tariff at this time. Con Ed customers should monitor PSC dockets; an HP-specific TOU may emerge from PSC Case 25-E filings.
[NEEDS RESEARCH, TOU rate for HP customers may be in PSC Case 25-E filings]
Solar · 3 programs
Net Metering (≤25 kW residential)Best in NY
1:1 retail · ~$0.34/kWh
Full 1:1 retail credit for residential systems ≤25 kW interconnected in 2026, locked 20 years. With Con Ed's premium rate, each net-metered kWh is worth meaningfully more than in any upstate territory. Customers post-January 1, 2022 also pay a monthly Customer Benefit Contribution (CBC) charge that partially offsets bill credits.
VDER (Value Stack)
Optional · usually less
Optional alternative to net metering; compensation based on time/location/grid value. NYC residential VDER rates typically pencil lower than 1:1 net metering, so most homeowners stay on the net-metering tariff.
NY-Sun MW Block (NYSERDA)
~$0.20/W · $0.80/W LMI
Statewide per-watt rebate; Con Edison territory rate runs about $0.20/W standard, $0.80/W for low-income/LMI installs. Most blocks are closed; final downstate blocks remain open mid-2026. Verify current block status before quoting.
Energy storage · 3 programs
Con Edison "Bring Your Own Battery" (BYOB)
VPP · pilot status
Virtual power plant launching later in 2026; battery owners receive performance payments for grid dispatch. Pilot status; statewide enrollment expansion expected Q3-Q4 2026. Sales agents should monitor enrollment opening dates monthly.
NYSERDA Residential Energy Storage IncentiveHighest blocks
declining-block · highest in NYC
Statewide declining-block program with fixed $/kWh rates by region. Con Edison (NYC) territory carries the highest NYSERDA block values of any region; verify the current block on the NYSERDA dashboard at point of sale, blocks step down as capacity fills.
Smart Usage Rewards (Rider T)
DR · aggregator pathway
Demand-response program for participants with metered load reduction. Primarily commercial, but a residential aggregator pathway exists for battery owners working through a third-party DERMS provider.
Insulation & weatherization · 1 program
NYS Clean Heat / EmPower+
free · ≤80% AMI
Free weatherization for income-eligible households (≤80% AMI). Above-AMI customers receive co-pay support through the federally funded HOMES program. Pre-weatherization barrier removal (knob-and-tube wiring, mold, asbestos) is often covered separately as a prerequisite to insulation work.
Windows & doors · no utility rebate
No utility rebate available
Con Edison does not offer a windows/doors rebate. The federal 25C credit (up to $600/year for windows) expired December 31, 2025 with no utility replacement program in Con Ed territory. Inherent ROI (utility savings, comfort, resale value) is the case for the upgrade.
Utility · 2 of 6

NYSEG / RG&E (Avangrid)

NYSEG and RG&E are the two Avangrid utilities serving roughly 1.3 million combined electric customers across central, western, and southern tier New York. Both utilities sunset their standalone residential heat pump rebate program on June 30, 2025; all current heat pump incentives now flow through NYS Clean Heat via Participating Contractors.

Heat pumps · 3 programs
NYS Clean Heat (administered by NYSEG/RG&E)
$10,000 ASHP · $18,000 GSHP
Statewide schedule administered through NYSEG and RG&E: up to $10,000 for air-source heat pumps; up to $18,000 for ground-source (geothermal). NYSEG/RG&E's standalone residential rebate program ended June 30, 2025; all heat pump incentives now flow through NYS Clean Heat via Participating Contractors.
NYS Clean Heat HPWH Rebate
$1,250 instant
Heat pump water heater rebate of $1,250, available either as instant invoice deduction or through standard post-install processing. Available to NYSEG/RG&E electric or combo customers replacing furnace/boiler/water heater with eligible equipment.
Heat pump electric tariff
Not yet offered
No NYSEG/RG&E-specific discounted heat pump electric tariff at this time. Eligibility for Clean Heat is 1-4 unit residential only as of January 1, 2026.
[NEEDS RESEARCH, Avangrid HP-specific tariff filings]
Solar · 3 programs
Net Metering (≤25 kW residential)
~$0.13–0.16/kWh · 1:1
1:1 retail credit, 20-year lock for 2026 enrollees. NYSEG/RG&E's retail rate runs about $0.13-0.16/kWh, meaningfully lower than Con Ed; net-metering credits are correspondingly less valuable per kWh.
VDER (Value Stack)
$0.08–0.14/kWh
Optional alternative to net metering. Upstate VDER rates run roughly $0.08-0.14/kWh for new residential 2026 installs. Typically less attractive than net metering for upstate residential, but worth modeling case-by-case.
NY-Sun MW Block (upstate)
~$0.20/W · $0.80/W LMI
Upstate per-watt rebate currently around $0.20/W standard, $0.80/W for low-income installs. Most blocks are closed; verify current block status with the NYSERDA dashboard before quoting.
Energy storage · 2 programs
NYSERDA Residential Energy Storage
declining-block
Statewide declining-block storage incentive applies in NYSEG/RG&E territory. Verify the current block value at enrollment; upstate blocks typically run lower than downstate but remain open longer.
Battery DR / VPP
Not yet offered
No NYSEG/RG&E-specific battery demand response or virtual power plant program identified for residential. Avangrid's working group has a BYOD pilot under review at the PSC.
[NEEDS RESEARCH, Avangrid BYOD pilot under review]
Insulation & weatherization · 1 program
NYS Clean Heat / EmPower+
free · ≤80% AMI
Same statewide framework as Con Ed: free weatherization for income-eligible, co-pay HOMES support for above-AMI households. NYSEG/RG&E administers in its territory but rebate amounts and eligibility match the statewide schedule.
Windows & doors · no utility rebate
No utility rebate available
NYSEG/RG&E does not offer a windows/doors rebate. Federal 25C credit expired December 31, 2025; no utility replacement.
Utility · 3 of 6

National Grid Upstate New York

National Grid Upstate serves roughly 1.7 million electric customers across most of upstate New York, including Albany, Syracuse, Buffalo, and the North Country. National Grid is the only NY utility with a per-event residential battery dispatch program, ConnectedSolutions NY, paying $50/kW for actual performance.

Heat pumps · 1 program
NYS Clean Heat (administered by National Grid)
$10,000 ASHP · $18,000 GSHP · $1,250 HPWH
Statewide program · administered by National Grid in upstate territory: up to $10 in this territory.
Solar · 2 programs
Net Metering (≤25 kW residential)
1:1 retail · upstate rate
1:1 retail credit, 20-year lock for 2026 systems. Upstate retail rates run lower than Con Edison, so the effective per-kWh credit value is meaningfully lower than downstate.
NY-Sun MW Block (upstate)
~$0.20/W · $0.80/W LMI
Same upstate per-watt rates as NYSEG/RG&E territory. Most blocks are closed; verify current block status before quoting.
Energy storage · 2 programs
National Grid ConnectedSolutions (NY)Only NY VPP
$50/kW · ~$180/yr typical
Performance-based $50/kW for actual battery dispatch performed May 1 through September 30. Average annual payout around $180. The battery may charge from grid (no solar required for participation), which makes this the only NY residential battery program available to grid-charge homes.
NYSERDA Residential Energy Storage Incentive
declining-block · stacks
Statewide declining-block program; stacks with ConnectedSolutions in National Grid territory. Verify current block value with NYSERDA at point of sale.
Insulation & weatherization · 1 program
NYS Clean Heat / EmPower+
free · ≤80% AMI
Statewide program · administered by National Grid in upstate territory in this territory.
Windows & doors · no utility rebate
No utility rebate available
National Grid Upstate does not offer a windows/doors rebate. Federal 25C credit expired December 31, 2025; no utility replacement.
Utility · 4 of 6

PSEG-Long Island

PSEG-Long Island is a LIPA-contracted operator serving roughly 1.1 million electric customers across Nassau, Suffolk, and the Rockaways. Long Island is regulatorily separate from the rest of New York: PSEG-LI does not participate in NYS Clean Heat, and its solar incentives are Long Island-specific. The 2026 rebate stack runs higher than most upstate utilities.

Heat pumps · 3 programs
PSEG-LI Heat Pump Rebate (Jan 1, 2026)Flagship
$4,000–$10,500 per system
Effective January 1, 2026. Rebate amount scales with tonnage and use case: a 1-ton ASHP retrofit replacing a gas baseline runs roughly $4,000; a 5-ton new-construction ASHP runs up to $10,500. Available for new construction and existing retrofits.
PSEG-LI HPWH Rebate
up to $1,200
Up to $1,200 for ENERGY STAR-certified heat pump water heaters. Pairs with the heat pump rebate for whole-home electrification on Long Island.
Income-Qualified Free Install
free · ≤60% SMI
Income-eligible customers (≤60% State Median Income) may receive free heat pump installation through PSEG-LI's income-qualified pathway. Eligibility verified at intake.
Solar · 1 program
PSEG-LI Net Metering
1:1 retail · LIPA-tariffed
1:1 retail credit, similar to upstate IOUs. PSEG-LI is a LIPA-contracted operator and follows the New York PSC framework but tariffs are filed under LIPA, not the NY PSC. Long Island also does not participate in NYS Clean Heat; solar incentives are Long Island-specific.
[NEEDS RESEARCH, PSEG-LI tariff filed under LIPA; verify 2026 lock period at enrollment]
Energy storage · 2 programs
PSEG-LI Time-of-Day Rate
dynamic TOU · arbitrage
Dynamic time-of-day rate available for residential customers. Battery owners can arbitrage on/off-peak spread by discharging at peak and recharging overnight. Useful pairing for solar-plus-storage homes on the Island.
Battery DR / VPP
Not yet offered
No PSEG-LI ConnectedSolutions equivalent identified. The LIPA Board has discussed a residential VPP pilot in the 2025-2026 docket.
[NEEDS RESEARCH, LIPA Board residential VPP docket 2025-2026]
Insulation & weatherization · 1 program
PSEG-LI Energy Efficiency Program
co-pay by income
Comprehensive energy efficiency offering covering insulation, air sealing, and barrier removal. Co-pay structure varies by income tier; LI does not flow through EmPower+ but offers an analogous structure.
Windows & doors · no utility rebate
No utility rebate available
PSEG-LI does not offer a windows/doors rebate. Federal 25C credit expired December 31, 2025; no utility replacement.
Utility · 5 of 6

Central Hudson

Central Hudson serves roughly 320,000 electric customers across the mid-Hudson Valley, including Dutchess, Ulster, Orange, Sullivan, Putnam, Greene, Columbia, and Albany counties. Central Hudson uniquely applies an 85% project rebate ceiling to all customers regardless of disadvantaged-community status, the most generous cap among upstate utilities.

Heat pumps · 2 programs
NYS Clean Heat (Central Hudson territory)85% cap
$3,000–$8,000 by home
Tiered Clean Heat schedule for Central Hudson territory. Single-family homes >1,000 sq ft removing oil tank or fossil heat source: $8,000. Single-family >1,000 sq ft not removing fossil source: $5,000. Apartments / single-family <1,000 sq ft: $5,000 with tank removal, $3,000 without. Must use a NYS-certified Clean Heat contractor.
Generous rebate ceiling (85% of project)
85% cap · all customers
Central Hudson uniquely applies the 85% project rebate ceiling to all customers regardless of disadvantaged-community (DAC) status. Most upstate utilities reserve the higher ceiling for DAC-tagged zip codes only; Central Hudson extends it territory-wide.
Solar · 3 programs
Net Metering (≤25 kW residential)
1:1 retail · 20-yr lock
1:1 retail credit for 2026 enrollees, locked 20 years. Hudson Valley retail rate runs between Con Ed and the upstate utilities; net-metering credits are correspondingly mid-tier in value.
VDER (Hudson Valley)
60–90% of retail
Optional alternative to net metering. Exported credits typically 60-90% of retail depending on time of export and grid-zone location. Worth modeling case-by-case for high-export systems.
NY-Sun MW Block (upstate)
~$0.20/W · $0.80/W LMI
Upstate per-watt rate, around $0.20/W standard and $0.80/W for LMI installs. Verify current block at the NYSERDA dashboard.
Energy storage · 2 programs
NYSERDA Residential Energy Storage
declining-block
Statewide storage incentive available in Central Hudson territory. Verify the current block value at point of sale.
Battery DR / VPP
Not yet offered
No Central Hudson-specific battery demand response or virtual power plant identified for residential. Central Hudson has filed a pilot petition with the NY PSC.
[NEEDS RESEARCH, Central Hudson PSC battery pilot petition]
Insulation & weatherization · 1 program
NYS Clean Heat / EmPower+
free · ≤80% AMI
Same statewide framework: free for income-eligible, HOMES co-pay above AMI.
Windows & doors · no utility rebate
No utility rebate available
Central Hudson does not offer a windows/doors rebate. Federal 25C credit expired December 31, 2025; no utility replacement.
Utility · 6 of 6

Orange & Rockland (Con Ed subsidiary)

Orange & Rockland (O&R) serves roughly 300,000 electric customers across Orange, Rockland, and Sullivan counties. O&R is a Con Edison subsidiary but operates a distinct rate territory with its own NY-Sun and NYS Clean Heat schedules. Programs follow the standard statewide framework with O&R-administered intake.

Heat pumps · 1 program
NYS Clean Heat (O&R)
$10,000 ASHP · $18,000 GSHP · $1,250 HPWH
Statewide schedule administered by O&R. Customers must work with NYS-certified Clean Heat Participating Contractors and meet all NYS Clean Heat eligibility (1-4 unit residential as of January 1, 2026). Statewide max around $10,000 ASHP, $18,000 GSHP, $1,250 HPWH.
Solar · 2 programs
Net Metering (≤25 kW residential)
1:1 retail · 20-yr lock
1:1 retail credit, 20-year lock for 2026 systems. O&R retail rate runs between upstate and Con Ed levels.
NY-Sun MW Block
$0.15–$0.40/W
Per-watt rebate ranging $0.15-$0.40/W depending on territory and current block. O&R's per-watt rate runs slightly below the Con Ed downstate rate but above pure upstate territories.
Energy storage · 2 programs
NYSERDA Residential Energy Storage
declining-block
Statewide declining-block storage incentive available in O&R territory. Verify current block at point of sale.
Battery DR / VPP
Not yet offered
No O&R-specific battery demand response or VPP identified for residential. Worth monitoring as Con Ed's BYOB pilot may extend to O&R territory in 2027.
[NEEDS RESEARCH, O&R battery DR/VPP filings]
Insulation & weatherization · 1 program
NYS Clean Heat / EmPower+
free · ≤80% AMI
Statewide program · administered by O&R in this territory.
Windows & doors · no utility rebate
No utility rebate available
Orange & Rockland does not offer a windows/doors rebate. Federal 25C credit expired December 31, 2025; no utility replacement.
A wide horizontal shot of a New York neighborhood at peak utility load hour: late afternoon to early evening, lights coming on inside houses, subtle utility infrastructure in frame, settled lived-in mood

Six utilities serve New York homes; your zip code matters more here than in any other state we cover.

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Your Home Efficiency Score figures out which of the six NY utilities serves your house, which Clean Heat tier you qualify for, and what your full stack looks like, statewide programs plus utility extras, for your zip code, your roof, your bill.

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