The best Energize CT rebates, incentives, and loans in 2022


Solar rebates loans incentives

Electricity in Connecticut isn’t cheap. In fact, the Constitution State ranks 2nd in the nation for highest residential electricity rates, according to the Department of Energy (DOE).

Luckily for residents of Connecticut, there are a number of rebates, services, and incentives available to help them tackle high energy costs. The main initiative to support these efforts is the Energize Connecticut program, a state-backed energy conservation program. 

So what exactly is Energize CT, and how does it help residents looking for energy savings?

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    Key takeaways

    • Energize CT is a state-backed initiative to help Connecticut residents make smart energy choices and reduce their energy consumption and electric bills.
    • Energize CT can help you save on energy-hungry appliances such as heat pumps, HVACs, and water heaters, with rebate amounts as high as $15,000.
    • There are low-interest loans for a range of energy-related home improvement projects, and an ultra-low rate loan for eligible heating equipment.
    • Home Energy Solutions is a subsidized service that combines energy-efficiency recommendations with on-site services.
    • The Residential Renewable Energy Solutions program guarantees a good financial return for homeowners who install solar panels.
    • You can find detailed information about the Energize CT rebates and services on

    What is Energize CT?

    Energize CT is a state-backed initiative designed to help Connecticut residents make intelligent energy decisions. It offers technical assessments and support, as well as special rebates and financing, so electric utility customers can improve their energy efficiency and reduce consumption. 

    Energize CT’s goals include saving residents and businesses money, boosting the local economy, contributing to environmental protection, tackling climate change, and improving Connecticut’s energy security.

    Energize CT is a joint initiative of the following:

    • The state of Connecticut
    • The Energy Efficiency Fund
    • The Connecticut Green Bank
    • Electricity providers Eversource and United Illuminating (UI)
    • Gas providers SCG and CNG

    What Energize CT rebates are available in 2022?

    There are many CT energy rebates you can use to save money and the beauty of these programs is that they help you to save money twice

    The first is the rebate or instant discount offered for the purchase of approved electrical products. The second is the ongoing savings over the life of the new energy-efficient product, as it reduces your overall energy usage, which in turn, reduces your monthly power bill.

    Here are the most popular rebates offered by Energize CT:

    1. Discounts on energy-efficient lighting

    Switching to energy-efficient appliances and lighting has a big impact on your monthly utility bills.

    The average homeowner can save $75 every year by changing their five most-frequently-used light bulbs, lamps, and fixtures to Energy Star models.

    This is an easy rebate to take advantage of, as certified lighting products are already discounted at authorized distributors. Just check the product for the Energize CT label.

    2. Rebates for heat pumps

    Heating is the single-largest energy expense for the average U.S. household, making up 43% of energy bills. Installing ductless or ducted air-source heat pumps reduces energy use by 25% to 50%, compared to a traditional HVAC system.

    Energize CT offers instant rebates of up to $15,000 on eligible models to make these units available to more Connecticut property owners.

    3. Rebates on ground-source heat pumps (geothermal)

    If you’re interested in using a geothermal energy system for heat and cooling, you can reduce your installation costs with a rebate of up to $15,000. Do note that these require a pre-application through your utility company.

    4. Rebates for central heating and air conditioning systems

    For those who prefer traditional central air units, small rebates are available for Energy Star-certified high-efficiency heating and cooling systems. You can get up to $200 back.

    5. Rebates for heat pump water heaters

    Need a new water heater? Energy Star-certified heat pumps heat your water faster, with less demand for energy resources. You can get a $750 discount through Energize CT on your new unit. For bigger buildings, high-efficiency furnaces, and boilers that use natural gas, oil, or propane qualify for rebates, as well.

    What Energize CT loans are offered in 2022?

    1. Heating Loan Program

    The Energize CT Heating Loan Program provides loans to Connecticut residents who want to buy and install eligible heating equipment in their homes.

    Loans of up to $15,000 are offered on very easy terms, with a fixed interest rate of just 0.99%. The loans are offered through their partner company Capital for Change. You can see the full loan details here.

    If you are in need of a new and more efficient heating system, this is an excellent offer that is definitely worth your consideration.

    2. Smart E-Loan program for home improvement projects

    Smart E-loans are financing options offered by Connecticut Green Bank, in partnership with Energize CT, and they apply to 40 different home improvement projects. The main categories they cover are home performance/efficiency, heating and cooling, water heating, and renewables - including solar panel systems.

    Smart E-loans are being offered at rates of 4.49% or higher, with no money down.

    Before choosing a Smart E-loan to finance a home upgrade, it might be worth your while to compare it against other loan options, such as a HELOC. 

    If it’s specifically solar panels you’re looking to install, then be sure to assess all solar loan options. A good solar installer can also help connect you to financing options.

    What is Energize CT’s Home Energy Solutions service?

    Energize CT Home Energy Solutions is an on-site service that helps you improve the energy efficiency of your home. It is offered at a subsidized cost of just $50, and is available to residential customers of Eversource, UI, CNG, and SCG.

    This service is similar to a standard home energy assessment (or home energy audit), where qualified technicians are tasked with recommending energy efficiency improvements. However, Home Energy Solutions goes further, also offering on-site services during the visit.

    Here’s what you can expect from a Home Energy Solutions visit:

    • A thorough evaluation of your property’s current energy performance
    • Basic weatherization services like air sealing and hot water pipe wraps
    • Installation of energy-efficient accessories for lighting and plumbing
    • Written recommendations for additional changes that will improve your energy efficiency, as well as guidance on which ones qualify for rebates and discounts. 

    The services included in the assessment are valued at nearly $1,000 for the average resident. In addition, homeowners typically end up with an annual savings of $200–$250 each year on their electric bills.

    In-home services had been paused due to COVID-19, but these have now been resumed. 

    You can see information on how to apply here, or by calling Energize CT’s official number 77-WISE-USE (877-947-3873).

    Does Energize CT offer solar incentives?

    Energize CT currently offers a solar incentive program known as the Residential Renewable Energy Solutions. 

    This program took effect on Jan 1, 2022, and will run through 2027; it is run by the state’s Public Utilities Regulatory Authority. It replaces the Residential Solar Investment Program (RSIP), which had been offered by the Connecticut Green Bank.

    It is designed to encourage homeowners to go solar by guaranteeing a good financial return on their investment. This is achieved through three incentive options: 

    • Buy-All Tariff
    • Netting Tariff
    • Income-based incentives

    For a full explanation of these options work - and which is best - check out our detailed article: Overview of Connecticut net metering (Residential Renewable Energy Solutions Program).

    The key thing to know is that while the new incentive program isn’t exactly net metering, it is just as generous to homeowners, and helps them achieve a similarly high level of savings from solar.

    Solar projects up to 25 kilowatts (kW) are covered; this is enough for the vast majority of homes. Incentives apply for a period of 20 years. Incentive specifics can vary based on whether you are an Eversource of UI customer.

    Can I save money with solar power in Connecticut?

    Absolutely. Solar power in Connecticut is very attractive because of high electricity costs and the availability of excellent incentives

    Currently, the payback period for a typical residential solar installation in Connecticut is about 5.3 to 6.4 years

    The energy-efficiency programs offered through Energize CT can reduce that time further by improving your home’s energy efficiency, allowing you to send more of your solar power to the grid. 

    You can get an accurate idea of the payback period for a solar panel system for your home, as well as the cost and savings involved, by entering your address into the solar calculator below.

    Estimate how much you can save by going solar in Connecticut

    How do I find the best solar company in Connecticut?

    Homeowners can use our site, SolarReviews, to find the best solar energy company in Connecticut. See the top-rated solar companies in CT.

    Your local solar contractor can also help you find the best ways to apply for Energize CT rebates, as well as assist you with the rebate application (including rebate forms and other required documentation).

     - Author of Solar Reviews

    Zeeshan Hyder

    SolarReviews Blog Author

    Zeeshan is passionate about promoting renewable energy and tackling climate change. He developed these interests while studying at beautiful Middlebury College, Vermont, which has a strong focus on sustainability. He has previously worked in the humanitarian sector — for Doctors Without Borders — and in communications and journalism.

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