Missouri Heat Pump Rebates
Stackable incentives available to Missouri homeowners installing a qualifying heat pump in 2026.
Rebate data is re-verified against primary sources every two months.
What's available in Missouri
Missouri has no statewide heat pump rebate program; incentives come almost entirely from utilities and rural electric cooperatives, and the two investor-owned utilities now deliver them through on-bill PAYS programs. Evergy's FastTrack HVAC PAYS program (launched August 2025) offers $1,000-$1,300 instant rebates for its western Missouri service territory, and Ameren Missouri's 2026 FastTrack HVAC PAYS incentive sheet lists $2,000 per system for air-source or dual-fuel heat pumps and $5,000 for ground-source, all through participating contractors. Numerous rural electric cooperatives (MOREC, Cuivre River, Co-Mo, Central Missouri Electric, Intercounty, Southwest) and municipal utilities (City of Columbia Water and Light, Springfield City Utilities) offer per-ton or flat heat pump rebates ranging from roughly $150 to $750 per ton. Missouri was allocated about $75 million in federal IRA HEAR (HEEHRA) funding plus $76 million for HOMES; the Department of Natural Resources selected BDO Government Services as implementer in August 2026 but says rebates may not be available until 2027 at the earliest and possibly 2028. Utility programs are the only 2026 incentive layer.
HEEHRA in Missouri
HEEHRA rebate: Point-of-sale rebate up to $8,000 for households at or below 80% of area median income. Funded by the IRA, administered by each state. Missouri is finalizing program rules.
How heat pump rebates work in Missouri
Missouri has no statewide heat pump rebate program; incentives come almost entirely from utilities and rural electric cooperatives. Evergy's FastTrack HVAC PAYS program (launched August 2025) offers the largest investor-owned utility rebates at $1,000-$1,300 for its western Missouri service territory — $1,300 for an air-source heat pump replacing electric resistance heat, $1,000 for a dual-fuel heat pump paired with backup gas/propane (the two tiers are mutually exclusive per install). Ameren Missouri ended its standalone mail-in heat pump rebates after 2024, but its 2026 FastTrack HVAC PAYS on-bill program now offers $2,000 per system for a 15.2+ SEER2 air-source or dual-fuel heat pump and $5,000 for a ground-source heat pump through participating contractors. Numerous rural electric cooperatives (MOREC, Cuivre River, Co-Mo, Central Missouri Electric, Intercounty, Southwest) and municipal utilities (City of Columbia Water and Light, which offers $800-$1,200 SEER2-tiered rebates plus a $500 HPWH rebate) offer per-ton or flat heat pump rebates ranging from roughly $150 per ton to $1,200 per system. Missouri received approximately $75.4 million in federal IRA HEEHRA/HEAR funding for income-qualified households, but the Missouri Department of Natural Resources selected an implementer (BDO Government Services) in August 2026 and says rebates may not be available until 2027 at the earliest, possibly 2028.
Missouri rebate programs
Evergy FastTrack HVAC PAYS Heat Pump Rebate
$1,300Instant rebate applied at point of sale through participating Evergy contractors, bundled with FastTrack's on-bill financing: after the rebate, the remaining cost is repaid on your Evergy bill (capped at 80% of estimated savings, plus a 3% service fee, no credit check). Up to $1,300 for an air-source heat pump replacing electric resistance heat, $1,000 for a dual-fuel heat pump with gas/propane backup, $500 for a mini-split, and $1,900 for a ground-source heat pump. Available to Evergy Missouri residential electric customers in homes on a permanent foundation; tiers are mutually exclusive per install.
MOREC Heat Pump Rebate (Air-Source with Fossil Backup)
$500Per-ton rebate from the Missouri Rural Electric Cooperative (MOREC) for ENERGY STAR air-source heat pumps with HSPF2 ≥ 8.1: $500/ton for new and replacement units paired with NEW fossil-fuel backup heat, or $300/ton for replacement units with EXISTING fossil-fuel backup. Residential cap 10 tons; no electric backup heat allowed; ceiling insulation R38+ and walls R13+ required. Effective 2025-07-01. Available to MOREC member-owners.
MOREC Heat Pump Water Heater Rebate
$1,05050% of cost up to $1,050 per unit for ENERGY STAR heat pump water heaters; limit 2 units per metered location. Brand, model #, serial #, size, UEF, cost, and dated purchase receipt required. Available to Missouri Rural Electric Cooperative member-owners.
City of Columbia Water & Light Air Conditioner/Heat Pump Rebate
$1,200$800 rebate for 15.2–18.1 SEER2 heat pumps/AC, $1,200 for 18.2+ SEER2 or geothermal under 5 tons. Available to City of Columbia Utilities residential electric customers replacing an existing system (10+ years old). Separate Efficient Electrification program offers $1,400 for gas-to-dual-fuel HP conversion.
City of Columbia Water & Light Heat Pump Water Heater Rebate
$500$500 rebate (or up to 100% of installation cost, whichever is less) for ENERGY STAR certified heat pump water heaters (40-gallon+). Limit 2 per residence. Available to City of Columbia Utilities residential electric customers.
Springfield City Utilities Heat Pump Rebate
$500Springfield's municipal utility. Up to $500 for an air-source heat pump (minimum 15.2 SEER2 / 11.7 EER2 / 7.8 HSPF2) and $1,025 for a geothermal system (minimum EER 17.1 / COP 3.6 water-to-air, or EER 16.1 / COP 3.1 water-to-water). Open to City Utilities residential, multi-family, and new-construction electric customers.
Ameren Missouri FastTrack HVAC PAYS Heat Pump Incentive
$2,000Ameren Missouri's 2026 HVAC PAYS incentive sheet (program year Jan 1 - Dec 31, 2026) lists $2,000 per system for a 15.2+ SEER2 air-source heat pump (replacing an existing heat pump, replacing electric resistance, or new install), $2,000 for a 15.2+ SEER2 dual-fuel heat pump, $500 per ton for a 19+ SEER2 mini-split, and $5,000 for a 23+ EER ground-source heat pump. The incentive is delivered through a participating contractor as part of the FastTrack HVAC PAYS on-bill tariff (remaining cost repaid on the Ameren bill); you must have lived in the home 12 months for the usage analysis and participate in tier 4 of PAYS.
6 utility-specific programs not shown here. Enter your ZIP in the calculator to filter to just your utility.
A worked example: dual-fuel install in Kansas City
Justin owns a 2,000 sq ft home in Kansas City served by Evergy Missouri. He has an aging gas furnace and central AC. He gets quotes for a 3.5-ton ducted dual-fuel system: ASHP for primary heating down to about 28°F with the existing gas furnace retained as backup for colder snaps. Installed cost: $13,800. Because Evergy's FastTrack HVAC PAYS program covers dual-fuel heat pumps paired with backup gas at $1,000 (the dual-fuel tier), he qualifies for the full $1,000 rebate, processed as an instant point-of-sale discount through his participating Evergy contractor. His household income is approximately 130% of Jackson County AMI — Missouri HEEHRA hasn't launched, so the federal income-qualified rebate isn't available. The federal §25C credit is gone. Combined stack: $1,000 against $13,800. Net out-of-pocket: $12,800. Note that if Justin had instead installed a full-electric heat pump (no gas backup) replacing electric resistance heat, he'd qualify for the higher $1,300 tier — but his existing gas service makes the dual-fuel configuration the more practical choice.
Choosing a contractor in Missouri
Missouri licenses HVAC contractors at the municipal level rather than statewide for residential work — verify at the city level where the install will happen (Kansas City, St. Louis, Springfield, Columbia, etc.). Evergy FastTrack HVAC PAYS requires a participating contractor; the contractor processes the rebate as an instant point-of-sale discount, so enrollment must be confirmed before signing. The participating contractor list is on evergy.com. MOREC and other cooperative rebates require the contractor to be familiar with the specific cooperative's rebate-filing process; ask 'have you filed [cooperative name] heat pump rebates before?'
Common pitfalls for Missouri homeowners
- Assuming Ameren Missouri still pays an HVAC rebate. Ameren Missouri no longer offers its old standalone mail-in heat pump rebates (the 2024 chart with $500-$900 tiers still circulates on aggregator sites). In 2026, heat pump incentives ($2,000 per system ASHP or dual fuel, $5,000 GSHP) are available only through the FastTrack HVAC PAYS on-bill program via a participating contractor. Ameren MO does still offer a $550 heat pump water heater rebate — that's still active. Confirm with Ameren directly at amerenmissouri.com before relying on any HVAC heat pump rebate amount from Ameren MO.
- Stacking Evergy's FastTrack tiers on a single install. Evergy FastTrack HVAC PAYS offers two mutually exclusive tiers per install: $1,300 for ASHP replacing electric resistance heat OR $1,000 for dual-fuel pairing with gas/propane backup. A single install cannot claim both. Choose the tier that matches your install scenario and confirm with the contractor before filing.
Estimate your net cost
Used to determine HEEHRA eligibility (under 80% area median income).
- Ameren Missouri FastTrack HVAC PAYS Heat Pump Incentive−$2,000
- Evergy FastTrack HVAC PAYS Heat Pump Rebate−$1,300
- City of Columbia Water & Light Air Conditioner/Heat Pump Rebate−$1,200
- MOREC Heat Pump Water Heater Rebate−$1,050
- MOREC Heat Pump Rebate (Air-Source with Fossil Backup)−$500
- City of Columbia Water & Light Heat Pump Water Heater Rebate−$500
- Springfield City Utilities Heat Pump Rebate−$500
Estimate only. Includes only programs accepting applications today — waitlisted or closed programs are excluded. Mutually exclusive programs (e.g. HEEHRA vs HOMES) and project-cost caps are applied per current program rules; confirm with your installer and utility before signing.
How to claim each rebate
- Get pre-approved (where required). Some utility programs require approval before install. Check program details before signing a contract.
- Use a participating contractor. Many programs require a licensed installer from an approved contractor list — especially HEEHRA, which routes through CEC-approved contractors who process the rebate at point of sale.
- Save documentation. AHRI certificate, model numbers, and itemized invoice are required for most utility rebates.
- Submit utility rebate within 60–90 days of install. Some programs are first-come first-served and close mid-year — funding can run out before the calendar year does.
If you can't afford a replacement in Missouri
Rebates lower the price, but they still assume you can pay the rest. If your heating system is unsafe or has failed and a new one is out of reach, these programs repair or replace equipment at low or no cost for income-qualified households. Heat Pump Pricing Index is an independent information site — we don't fund, discount, or install equipment — so these are the doors to knock on first:
- Weatherization Assistance Program (WAP). Free energy and health-and-safety repairs — an unsafe furnace is exactly the kind of problem it fixes — for households at or near 200% of the poverty line. Apply through your local community action agency: how to apply (energy.gov).
- LIHEAP. Heating-bill help plus, in most states, a crisis component for broken or dangerous heating equipment. Same local agency; Missouri LIHEAP contacts.
- USDA Section 504 Home Repair. For homeowners outside cities: 1% loans up to $40,000, and grants up to $10,000 for homeowners 62 and older to remove health and safety hazards. Program page and state offices (rd.usda.gov).
- Your utility and 211. Most electric and gas utilities run an income-qualified assistance fund — call the number on your bill and ask. Dialing 211 reaches a local specialist who knows which agencies in Missouri currently have funds.
Safety first: if a technician has told you a heat exchanger is cracked, stop using the furnace and make sure you have a working carbon monoxide detector before anything else.