Last updated: March 29, 2026
HEAR program status: PENDING — Florida's HEAR (Home Electrification and Appliance Rebates) program has not yet received DOE approval for administration. The Florida Department of Agriculture and Consumer Services (FDACS) submitted a state plan; no launch date is published. Note: Federal 25C and 25D tax credits were terminated December 31, 2025 (OBBBA). Utility rebates remain available.
| Program | Eligible Measure | Max Benefit | Income Limit |
|---|---|---|---|
| 25C Federal Tax Credit | Heat pump HVAC (air source, mini-split) | $2,000/yr (30% of cost) | None |
| 25C Federal Tax Credit | Heat pump water heater | $600/yr (30% of cost) | None |
| 25C Federal Tax Credit | Insulation & air sealing | $1,200/yr (30% of cost) | None |
| 25C Federal Tax Credit | Electrical panel upgrade | $600/yr (30% of cost) | None |
| 25C Federal Tax Credit | Energy-efficient windows | $600/yr (30% of cost) | None |
| 25D Federal Tax Credit | Solar PV system | 30% of cost (no cap) | None |
| 25D Federal Tax Credit | Battery storage (standalone) | 30% of cost (no cap) | None |
| Maximum 25C annual credit (combined) | $3,200/year | ||
Florida's major utilities offer rebate programs independent of federal IRA programs:
| Utility | Service Territory | Notable Rebates |
|---|---|---|
| Florida Power & Light (FPL) | Southeast and eastern FL (Miami, Fort Lauderdale, West Palm Beach, Orlando area) | $300–$500 for ENERGY STAR heat pump replacement; smart thermostat rebates; home energy audit program |
| Duke Energy Florida | Central FL (Tampa Bay, Citrus County, central-west) | Heat pump water heater rebates up to $350; smart thermostat rebates; on-bill financing for weatherization |
| Tampa Electric (TECO) | Tampa, Hillsborough County | Heat pump rebates; EV charger rebates; weatherization rebates for income-qualified customers |
| JEA | Jacksonville metro | ENERGY STAR heat pump water heater rebate up to $350; insulation rebates; solar water heater rebates |
| Gulf Power / NextEra | Northwest FL (Pensacola, Fort Walton Beach) | Heat pump rebates; energy efficiency programs |
| OUC (Orlando Utilities) | Orlando and St. Cloud | Heat pump water heater rebate up to $400; EV charging incentives |
Verify current rebate amounts directly with each utility. Florida utility rebates change frequently and can be combined with 25C credits.
Florida is already almost entirely heat-pump territory for HVAC — the mild climate means heat pumps are the standard equipment choice, not a specialty installation. This affects the practitioner conversation:
Florida has one of the highest concentrations of electric resistance water heaters in the country — older housing stock with standard tank heaters. Switching to a heat pump water heater:
Florida's HEAR program will likely be large in absolute terms — the state has the third-largest population and a significant low-to-moderate income household base. Based on the federal program structure:
| Measure | LMI (<80% AMI) | Moderate (80–150% AMI) | Above 150% AMI |
|---|---|---|---|
| Heat Pump HVAC | Up to $8,000 | Up to $4,000 | Not eligible |
| Heat Pump Water Heater | Up to $1,750 | Up to $875 | Not eligible |
| Electric Stove / Induction | Up to $840 | Up to $420 | Not eligible |
| Electric Dryer | Up to $840 | Up to $420 | Not eligible |
| Electrical Panel Upgrade | Up to $4,000 | Up to $2,000 | Not eligible |
| Insulation & Air Sealing | Up to $1,600 | Up to $800 | Not eligible |
| Household cap (federal maximum) | $14,000 LMI / $7,000 Moderate | ||
| Metro Area | 80% AMI (4-person HH) | 150% AMI (4-person HH) |
|---|---|---|
| Miami-Fort Lauderdale-West Palm Beach | ~$74,000 | ~$139,000 |
| Orlando-Kissimmee | ~$72,000 | ~$135,000 |
| Tampa-St. Petersburg | ~$72,000 | ~$135,000 |
| Jacksonville | ~$72,000 | ~$135,000 |
| Sarasota-Bradenton | ~$73,000 | ~$137,000 |
| Naples-Marco Island | ~$83,000 | ~$155,000 |
| Rural FL / Panhandle | ~$60,000–$67,000 | ~$113,000–$126,000 |
AMI figures are approximations based on HUD FY2025 data. Verify current area-specific figures at huduser.gov.
The IRA Practitioner Brief tracks program launches across all 50 states. Florida is one of the most-watched pending states — we'll cover the launch timing, enrollment process, and early implementation details as soon as they're announced.