SMUD HVAC Rebates & AC Trade-in Credits
For eligible SMUD homeowners
Get up to $3,000 toward a new heating & AC system.
Replace your aging AC and furnace with one high-efficiency heat pump. Explore $0-down options, and let our local team handle the SMUD rebate paperwork.
- Up to $3,000 in qualifying SMUD rebates
- One efficient system for heating and cooling
- $0-down Comfort Plan for qualified homeowners
Free, no-obligation rebate & replacement review. Live local team, Mon–Fri, 8am–8pm. Can't talk now? Get a call back
New installs only. Rebate amounts, qualification and financing are subject to program terms.
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Is it time?
Stop fighting your HVAC system. Start feeling comfortable at home.
An aging system rarely fails all at once. It gets louder, rooms drift out of balance, repair bills creep up, and then it quits on the hottest week of July. Here is what changes when you replace it on your schedule instead of its.
Living with an aging system
- An AC or furnace 12 to 15 years old, or older
- Rooms that never feel right, summer or winter
- R-22 refrigerant that keeps getting pricier to recharge
- Repair visits every season, and two machines to maintain
Living with a new heat pump
- One efficient system that cools and heats
- Steadier temperatures, room to room
- Quieter, low-speed operation on variable-stage systems
- New equipment, not a system you are waiting on to fail
Replacement usually wins. Under it, repair usually does. It is a starting point, not the whole answer. If a repair makes more sense for your house, we will tell you that on the call. Already have a replacement quote from someone else? We will give you a straight second opinion.
The SMUD rebate, simply
Could you qualify? Here is what SMUD pays.
SMUD pays residential customers up to $3,000 toward a qualifying new heat pump HVAC system installed by a SMUD Contractor Network contractor. The amount depends on the system you install and what it replaces.
$3,000
Variable-stage heat pump
Replacing gas heating. SMUD's top tier.
$2,000
Two-stage heat pump
Replacing gas heating. 15.2 SEER2 minimum.
$1,000
Two- or variable-stage heat pump
Replacing an existing electric system.
Amounts as published by SMUD, checked November 2026. Single-stage systems do not qualify. Rebates are subject to available funding, so we confirm the current amount for your address before you sign anything.
Quick eligibility check
- SMUD sends your electric bill
- Your home is individually metered by SMUD
- The new system is not installed yet
- A SMUD Contractor Network contractor does the install
Check all four? There is a good chance a rebate applies. On PG&E or Roseville Electric? Different utility, different rebates. See our HVAC service areas.
Call to check my tier
Senga Comfort Plan · powered by Palmetto
A new HVAC system. Without the big upfront expense.
The bill is the number one reason people keep nursing a failing system. The Comfort Plan gives eligible homeowners a brand-new, high-efficiency system for one predictable monthly payment.
- $0 down
- One predictable monthly payment
- Professional installation included
- Maintenance included
- Covered repairs for the life of the plan
- Soft credit check to see your options
Available to eligible homeowners, subject to approval and plan terms. Checking your options uses a soft credit inquiry, so it will not affect your credit score.
Comfort Plan
$0 down, one monthly payment
Installation, maintenance and covered repairs in one plan. For homeowners who want a new system without the upfront cost or surprise repair bills.
Financing
0% APR through GoGreen Home
California's GoGreen Home program offers 0% APR financing for qualifying homeowners and homes. You own the system.
Buy outright
Pay for the project directly
The lowest total cost, with the SMUD rebate applied to your project when the system qualifies.
Which option gets the rebate? It depends on how you pay. Under the Comfort Plan, it depends on the plan terms. Your quote lays every option out side by side, so you can compare before you decide.
Ask about $0 downWhy Senga
The rebate is the easy part. The install is what you live with.
A heat pump that is sized wrong or connected to leaky ducts will never feel right, rebate or not. Here is the difference to look for in any quote, including ours.
The rebate-chaser quote
- System sized by square footage, or by whatever was there before
- Ducts assumed to be fine
- Electrical panel capacity checked on install day, if at all
- Permit and Title 24 verification left vague
- Rebate promised verbally, not shown in writing
The Senga approach
- A load calculation sized to your actual house
- Ductwork checked for leaks and undersized runs
- Panel and breaker capacity confirmed before we quote
- Permit and Title 24 verification included
- The SMUD rebate shown as its own line on your written quote
One company, one point of accountability. Every project runs under Senga's contractor license, with a Senga coordinator in charge from quote to final inspection.
What homeowners say
Straight talk is how Senga works.
From Senga Energy customers on Google.
"All the benefits, all the risks, everything was put on the table. It allowed me to make an easy and informed decision."
"The reps were super helpful in answering all of our questions and walking us through the whole process."
"No money down and we couldn't be happier. It looks great and we would definitely use them again."
Free HVAC rebate & replacement review
What you get from one phone call.
Not a sales pitch. A local comfort advisor helps you figure out what your home needs, what SMUD may pay, and what it could cost to fix it for good.
Step 01 · about 10 minutes
Call Senga
Tell a local comfort advisor about your home and your current system: how old it is, how you heat, and what it is doing.
Step 02 · on the same call
Explore your options
Your likely SMUD rebate tier, whether repair or replacement makes more sense, and the ways to pay, including $0 down.
Step 03 · your choice
Get a clear path forward
If you want it, an in-home assessment with a load calculation and a written quote, with the SMUD rebate shown as its own line.
No obligation, no pressure. If a new system is the wrong move for your house, you will hear it on this call.
Call (916) 545-9053Straight answers
Questions homeowners ask before they call.
How much is the SMUD heat pump rebate in 2026?
SMUD offers $3,000 for a qualifying variable-stage heat pump that replaces gas heating, $2,000 for a qualifying two-stage heat pump that replaces gas heating, and $1,000 for a two-stage or variable-stage heat pump that replaces an existing electric system. Single-stage systems do not qualify. Rebates are subject to available funding, so confirm the current amount before you sign a contract.
How much does a new heat pump system cost?
It depends on the size of your home, the condition of your ductwork, your electrical panel and the system you choose, so any honest price comes after a look at the house. You get a written quote that shows the SMUD rebate as its own line, plus $0-down and financing options side by side.
Does my system actually need to be replaced?
Not always. A useful rule of thumb: multiply the repair quote by the age of the system. Over $5,000, replacement usually makes more sense. Under it, repair usually does. We will walk through the real numbers for your house, and if a repair is the better call, we will tell you.
Can I get the SMUD rebate for a system I already installed?
Generally, no. The rebate is tied to a new installation completed by a SMUD Contractor Network contractor, who submits it as part of the project. That is why the time to call is before you replace anything, ideally before the old system fails.
Do I have to apply for the SMUD rebate myself?
No. Under SMUD's program, the participating contractor gives you the rebate application to sign and submits it for you. When Senga installs your system, we handle the submission and show the rebate amount on your written quote.
Can I use the SMUD rebate with the $0-down Comfort Plan?
It depends on the plan terms, and it can differ from paying cash or financing. We will show you exactly how the rebate applies to each payment option on your quote before you choose, so there are no surprises.
Does SMUD give a rebate for a new air conditioner only?
SMUD's HVAC rebates are for heat pumps, not standard air conditioners. A heat pump cools exactly like an AC in summer and also heats in winter, which is why it can replace both your AC and your furnace.
Do heat pumps work in Sacramento winters?
Yes. Sacramento winters rarely stay far below freezing, which is well within the range where modern heat pumps heat efficiently. In summer, a correctly sized heat pump cools like any central air conditioner, including on 105-degree days.
Is there also a SMUD rebate for heat pump water heaters?
Yes. SMUD offers separate rebates for qualifying heat pump water heaters that replace gas, scaled by tank size. If you are replacing your HVAC anyway, ask us about doing both in one project.
Is the federal heat pump tax credit still available?
No. The federal 25C energy efficient home improvement credit ended for systems installed after December 31, 2025, which makes the SMUD rebate one of the main incentives left for Sacramento-area homeowners in 2026. Senga does not provide tax advice.
SMUD territory we serve
Heat pump installation across SMUD's service area.
SMUD serves most of Sacramento County plus small parts of Placer and Yolo counties. If SMUD sends your bill in one of these communities, a rebate is likely on the table.
- SacramentoNatomas, Land Park, East Sacramento, Pocket, Curtis Park, South Sacramento, Arden-Arcade
- Elk GroveLaguna, East Elk Grove, Franklin · 95624, 95757, 95758
- Folsom95630
- Rancho CordovaIncluding Mather · 95670, 95742, 95655
- Citrus Heights95610, 95621
- Carmichael95608
- Fair Oaks95628
- Orangevale95662
- Gold River95670
- Antelope & North Highlands95843, 95660, McClellan 95652
- Rio Linda & Elverta95673, 95626
- Galt, Wilton & Herald95632, 95693, 95638
Not sure who your utility is? Check the top of your electric bill. Need a repair instead? Start with AC repair in Sacramento. Want the deeper version? See our Sacramento heat pump installation guide and heat pump vs. AC and furnace.
Before your system fails
Find out what SMUD will put toward your new system.
A ten-minute call with a local comfort advisor. You will hang up knowing whether you likely qualify, which rebate tier fits, and what it would take to get a new system in.
Free HVAC rebate & replacement review
(916) 545-9053Tap to call. Live local team, Mon–Fri, 8am–8pm. No obligation.
- Up to $3,000 in qualifying SMUD rebates
- $0-down Comfort Plan and 0% APR options for eligible homeowners
- A straight answer on repair versus replace
- Local team, one point of accountability
Can't talk right now?
Send the basics and a Senga comfort advisor will call you back during business hours about your SMUD rebate.
By submitting, you agree Senga Energy may contact you by phone, text or email about your request. Consent is not a condition of purchase. Message and data rates may apply. See our privacy policy.
Rebate availability, amounts and eligibility are set by SMUD, are subject to funding and program rules in effect at the time of installation, and can change without notice. Rebates apply to new qualifying installations only. Financing and the Senga Comfort Plan are available to eligible homeowners and subject to approval and plan terms. Senga Energy does not provide tax or legal advice.
SMUD is a trademark of the Sacramento Municipal Utility District. Senga Energy is not affiliated with or endorsed by SMUD, PG&E, Roseville Electric or any government agency.