Energy efficiency rebates in Missouri.
Every federal, state, and utility incentive for heat pumps, insulation, air sealing, and weatherization in Missouri — cross-referenced and kept current.
Tell us about your project. We'll match you with local pros and every rebate you qualify for.
Missouri Division of Energy
- Type
- State Agency
- Website
- energy.mo.gov
- IRA allocation
- ~$151M ($75M HEEHR + $76M HOMES)
Active rebate programs
2 programs currently accepting applications in Missouri.
| Program | Amount | Eligibility | Status |
|---|---|---|---|
| Ameren Missouri PAYS (Pay As You Save) Tier 4 rebates | Up to $5,000 | Ameren Missouri customers enrolled in PAYS Tier 4 who have lived in the home 12+ months; valid Jan 1 - Dec 31, 2026. Air-source heat pump (15.2+ SEER2) $2,000/system, dual-fuel ASHP $2,000, geothermal (23+ EER2) $5,000, central AC $1,000, mini-split (AC or HP, 19+ SEER2) $500/ton, smart thermostat $250, air sealing $0.06/sqft, blown-in cellulose attic insulation to R-38 $0.20/sqft, duct sealing 50% up to $250. Ameren's standalone Heating & Cooling rebate program ended Jan 1, 2025 - PAYS is now the only path. No heat pump water heater rebate in the current table. | Active |
| Evergy Missouri MEEIA Residential Rebates | Up to $2,000 | Evergy Missouri electric customers. Air-source heat pump $650 (15.2-15.99 SEER2) / $900 (16-16.99) / $1,200 (17+), central AC $550/$650/$800, geothermal $1,300 (new/replace failed) / $2,000 (replace operating), mini-split $200, heat pump water heater (<55 gal) $650, air sealing $0.06/sqft (max $400), ceiling insulation to R-38 $0.20/sqft (max $650), duct sealing 50% (max $250), energy audit credit $250. Spire gas customers may also claim Spire insulation/air-sealing rebates. NOTE: verify MEEIA Cycle 4 amounts before quoting as firm - the current published chart footer covers MEEIA Act 3 (through Dec 31, 2024); 2025/2026 secondary sources show identical figures. | Active |
Run the numbers for Missouri.
Free, no account needed. Every figure is cited, so you have a benchmark before a Missouri contractor quotes you one.
IRA implementation status
How Missouri is implementing the Inflation Reduction Act home energy rebates.
Metro areas in Missouri
Local utility programs and municipal incentives by metro area.
Ameren Missouri territory
Evergy Missouri territory
Rebates are step one
Once you know what Missouri pays, here's the rest of the path: what order to do the work in, and what belongs on a fair quote.
What order to do it in
Envelope first, equipment second — how to sequence a retrofit to your budget and your rebates' deadlines.
How to read a quote
What belongs on a heat pump or insulation quote, and the red flags that mean keep shopping.
What attic insulation costs
Per-square-foot prices by material, and why this is the work rebate programs subsidize hardest.
Claim rebates after install
The document kit, the application walkthrough, and the mistakes that get claims rejected.
Rebates cover part of it. Here's the rest.
What Missouri pays is the first rung. These cover the money questions underneath it: the 2026 federal rules, the state and utility loan programs worth checking before a bank, and the borrowing routes that come after.
How to pay for it
The whole money picture in order of cost: rebates first, then low-interest loans, then borrowing.
State energy loans
The state and utility loan programs we have verified at the administrator, with rates and conditions.
The 2026 rebate rules
What DOE Program Notices 26-1 and 26-2 changed about HEAR and HOMES, and which states are live.
Latest Missouri energy news
National rebate and efficiency coverage — Missouri-specific news appears here the moment our sources report it.
179D After the Cutoff: What Mechanical and Sheet Metal Contractors Can Still Claim
A federal tax break tied to energy-efficient commercial buildings changed recently, and while it's aimed at building owners and contractors rather than individual homes, it's worth knowing about if you own or help manage a commercial property, church, or nonprofit building. The deduction, called Section 179D, has existed since 2006 for commercial buildings that cut energy use in lighting, heating and cooling systems, or insulation by at least 25 percent compared to a standard reference building. Under a new law, construction that starts after June 30, 2026, no longer qualifies. But projects that broke ground before that date can still claim it, even if they're finished later. This matters most for owners of public, tribal, or nonprofit buildings, since those organizations don't pay income tax and can't use the deduction themselves. Instead, they can formally assign it to whoever designed the building's energy systems. If you're involved with a nonprofit or community building project, it's worth asking whether this deduction has already been claimed or assigned to someone. There's also a time limit: claims for a building already in use generally have to be filed within three years of the original tax return for that year, so older projects can age out of eligibility. The size of the deduction also depends on paperwork showing fair wages were paid during installation. None of this applies to typical home upgrades, but it's useful context if your household touches a commercial or nonprofit building project.
HVAC Price Increase List: October 2026
Several HVAC equipment makers are raising prices this October, which could affect what you pay for heating and cooling equipment or repairs in the coming months. The increases mostly run in the 3%-6% range, though a few are higher: Aeris Metals is raising prices on linesets (the tubing connecting indoor and outdoor AC or heat pump units) by an average of 12.9%, and Robertshaw is increasing prices on some products by up to 15%, though it says most of its lineup will stay the same or even drop in price. Other changes include Heat Controller raising prices up to 5% on water-source heat pumps and residential geothermal equipment, Regal Rexnord adding 2.5% on some motors and parts, Western Enterprises adding 3%, tekmar raising prices about 6%, Nailor Industries adding 5%, and Panasonic raising prices 3.7%-4.0% on products affected by tariffs (other Panasonic products are unchanged). Resideo is also adjusting prices on its Honeywell Home air zoning products, though the amount wasn't specified. Most of these changes take effect between October 1 and October 31, 2026. If you're planning a furnace, air conditioner, or heat pump purchase or replacement, these increases suggest equipment costs may tick up this fall, though the impact depends on which brand and parts your contractor uses. Not every product line is affected, and some prices are actually dropping.
HARDI Flags Potentially Illegal HVAC Products in Distribution Channel
A trade group for HVAC distributors, HARDI, is warning that some air conditioning equipment and refrigerants moving through the supply chain may not meet federal rules. The concern centers on outdoor condensing units using R-410A refrigerant, the type phased out of new systems in favor of newer, lower-emission refrigerants. Units made in 2025 or 2026 are only allowed on the market to repair an existing system, not to install as part of a full replacement, and they're required to meet federal energy-efficiency standards and carry a "for servicing only" label. HARDI says some units showing up for sale don't meet these conditions. For a homeowner, this mostly matters if you're planning a full system replacement soon. If a contractor offers you a new R-410A outdoor unit for a complete swap rather than a repair, that's worth a second look, since such units are supposed to be for servicing existing equipment only. Warning signs include a brand or model that can't be verified against federal databases, missing or unverifiable safety certifications (from groups like UL or Intertek), or claims that a unit works safely with multiple refrigerant types that shouldn't mix according to safety rules. This is mainly a supply-chain and compliance issue playing out among distributors right now, not a recall or a known safety hazard in homes. But if you're shopping for a new cooling system, it doesn't hurt to ask what refrigerant it uses and to confirm the unit is a genuine, currently certified model rather than older or mislabeled equipment.
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Missouri: up to $5,000 back right now
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