Insulation rebates in Minnesota
Every figure links to its official source · verified 2026-07-06.
Insulation is the quiet workhorse of Minnesota rebate stacking: it's cheap relative to mechanicals, most utilities pay for it now, and doing it first unlocks bonus money on the projects that follow.
Live now — verified amounts
Rebate is a percentage of project cost — confirm current percentage and cap on the official page. Doing this FIRST earns a $600 bonus on a later Xcel heat pump rebate.
Official source · verified 2026-07-06 · all Xcel Energy rebates
Percentage of cost — confirm on the official page.
Official source · verified 2026-07-06 · all CenterPoint Energy rebates
Not with one of these utilities? Most Minnesota co-ops and munis run similar rebates that aren't centrally published — look up your utility's page for contacts.
Coming — Save Energy MN money for insulation
HEAR's published caps include up to $1,600 for insulation, air sealing, and ventilation for income-qualified households.
Up to $1,600, same income rules and household cap.
These amounts are provisional and the program has not launched. HEAR cannot pay retroactively, and the state cannot guarantee earlier projects will qualify for HOMES — don't sign a contract that depends on unlaunched money.
Order of operations
Do insulation before the heat pump: Xcel adds a $600 insulation-first bonus, and a tighter envelope lets contractors size a smaller, cheaper system. HOMES will also reward the whole-home savings insulation produces — with an energy audit as the required first step.
Get a insulation estimate from a contractor who knows the rebates
Free to you — one licensed Minnesota contractor gets your request and quotes the project with the rebate stack applied. Participating contractors pay to receive estimate requests; that never changes your price.
Get one email the day the $14,000 rebates launch
Save Energy Minnesota has no launch date, and starting work early can forfeit the money — HEAR can't pay retroactively, and the state can't guarantee earlier HOMES projects will qualify. We watch the Commerce page so you don't have to — you'll know the day it goes live, with your tier and the official link. We never sell your email.
Cold-climate heat pump rebates →
Ductless mini-split heat pump rebates →
Air sealing rebates →
Heat pump water heater rebates →