Indiana Energy Saver Program
Qualified Indiana households get free home energy upgrades — no upfront cost, no payments during installation, and nothing owed afterward. 100% covered through the federal Inflation Reduction Act.
What Is the Indiana Energy Saver Program?
The Indiana Energy Saver Program (IESP) is a federally funded initiative that provides completely free home energy upgrades to eligible Indiana households — no payment before, during, or after. There is no loan, no lien on your home, and nothing to pay back. Ever.
USA Smart Home Solutions is a certified program administrator. We handle everything: eligibility verification, energy audits, application paperwork, contractor coordination, and installation oversight — all at zero cost to you. You just answer a few questions and we take it from there.
Who Runs This Program?
The Indiana Office of Energy Development (OED) administers the program at the state level using Inflation Reduction Act funding. USA Smart Home Solutions is an official program administrator that guides you through every step so you never have to figure it out alone.
No cost to you, ever. This is not a loan or a deferred-payment plan. All eligible upgrades are provided at absolutely zero cost — before, during, and after installation — through direct federal program funding.
Program Quick Facts
HOMES vs. HEAR — Understanding Your Options
Indiana offers two distinct programs through IESP. Many households qualify for both — and combining them can maximize the upgrades you receive.
HOMES Program
Whole-home energy efficiency upgrades based on measured energy savings — available to everyone.
Up to $8,000 for all others
- Who qualifies: All Indiana households
- Income requirement: None — open to everyone
- Requirement: Minimum 20% whole-home energy savings
- Renters eligible: Yes, with landlord consent
- Covers: Insulation, HVAC, water heaters, duct sealing, lighting
HEAR Program
Point-of-sale rebates on individual appliances for income-qualified households — no energy audit needed.
Up to $7,000 for 80–150% AMI
- Who qualifies: Households under 150% Area Median Income
- Income requirement: Under 150% AMI (varies by county & household size)
- Requirement: First-time upgrade; replaces non-electric equipment
- Renters eligible: Yes, primary residence required
- Covers: Heat pumps, water heaters, stoves, dryers, electrical panel & wiring
You may qualify for both programs. If your household is under 150% AMI, you could receive HEAR rebates on individual appliances AND HOMES rebates for whole-home efficiency improvements — potentially exceeding $20,000 in total free upgrades. Our team will help you maximize every dollar.
What Can I Get for Free?
Both programs cover a wide range of home energy upgrades. Your specific eligibility depends on your income tier and program qualification.
Heat Pump HVAC
Central heating & cooling. Up to $8,000 via HEAR or included in HOMES whole-home savings.
Heat Pump Water Heater
Energy-efficient hot water. Up to $1,750 via HEAR; also covered under HOMES efficiency savings.
Insulation & Air Sealing
Attic, wall, and crawlspace insulation. Up to $1,600 via HEAR; key driver of HOMES energy savings.
Electrical Panel Upgrade
Up to $4,000 via HEAR for households switching from gas or upgrading older panels to support electric appliances.
Electric Stove & Cooktop
Replace gas ranges with modern induction or electric models. Up to $840 via HEAR for qualified households.
Heat Pump Dryer & Wiring
Up to $840 for a heat pump clothes dryer and up to $2,500 for electrical wiring upgrades via HEAR.
Quick Eligibility Check
The Indiana Energy Saver Program is open to a wide range of households. Most Hoosiers are surprised to learn they qualify. Here's what generally matters:
Indiana Primary Residence
Your home must be in Indiana and your primary place of residence.
Homeowners & Renters Welcome
Both programs allow renters to participate (with landlord approval for some upgrades).
Income Guidelines (HEAR only)
Household income must be under 150% of your county's Area Median Income. HOMES has no income limit.
Find out in minutes which IESP programs you qualify for and how much you could receive.
Take the Free QuizNo cost, no obligation
Frequently Asked Questions
Answers to the most common questions about the Indiana Energy Saver Program.
Any Indiana resident living in their primary residence can apply. Homeowners and renters are both eligible. For the HEAR program, your household income must be under 150% of the Area Median Income (AMI) for your county. The HOMES program is available to all income levels as long as the upgrades result in at least 20% whole-home energy savings.
It depends on which programs you qualify for and your income level:
- HEAR Program: Up to $14,000 for households under 80% AMI; up to $7,000 for households between 80–150% AMI.
- HOMES Program: Up to $8,000 (up to $16,000 for households under 80% AMI), based on energy savings achieved.
- If you qualify for both, total benefits can exceed $20,000.
No. Both the HOMES and HEAR programs allow renters to participate, as long as the property is your primary residence. However, some upgrades (like insulation or HVAC replacements) require your landlord's written consent before they can be performed. Our team will help you navigate this process.
Covered upgrades include heat pump HVAC systems, heat pump water heaters, insulation and air sealing, duct sealing, electrical panel upgrades, wiring, electric stoves/cooktops, and heat pump clothes dryers. The exact upgrades available depend on which program you qualify for and the results of your energy audit (for HOMES) or equipment assessment (for HEAR).
Timelines vary, but the typical process takes 4–8 weeks from initial application to completed installation. This includes eligibility verification (1–2 weeks), energy audit scheduling and completion (1–2 weeks), plan approval (1 week), and contractor scheduling and installation (1–3 weeks). Our team keeps you informed at every step.
HOMES provides whole-home efficiency rebates based on measured energy savings — available to all Indiana households regardless of income. Rebates range from $2,000–$16,000 and require a minimum 20% reduction in home energy use.
HEAR provides point-of-sale rebates on individual appliances and electrification upgrades. It's income-limited (under 150% AMI) but doesn't require an energy audit or minimum savings target. It covers specific equipment like heat pumps, water heaters, stoves, and electrical panels.
Yes! If you qualify for both programs, you can pursue both simultaneously or sequentially to maximize your upgrades. Our team will assess your full eligibility and create a plan that combines both programs to get you the most comprehensive — and free — home improvement package possible.
Start by taking our free 2-minute eligibility quiz. Once confirmed, our team prepares your application documents and submits everything on your behalf — you never have to navigate any government portal alone. We handle it all at no charge.