Energy-Efficient HVAC Rebates & Tax Credits in Florida (2026)

Replacing your AC system in Miami is a major expense — but between federal tax credits, utility rebates, and manufacturer incentives, qualified homeowners can reduce their out-of-pocket cost by $1,500–$3,500 or more. Here's a complete breakdown of every incentive available in 2026.

1. Federal Tax Credit — Inflation Reduction Act (IRA)

The Inflation Reduction Act (IRA), signed in 2022, extended and expanded federal tax credits for home energy efficiency improvements through 2032. For HVAC equipment:

Equipment Type	Credit Amount	Efficiency Requirement
Central AC (split system)	30%, up to $600	SEER2 ≥ 16, EER2 ≥ 12
Heat Pump (ducted)	30%, up to $2,000	ENERGY STAR certified
Heat Pump (ductless mini-split)	30%, up to $2,000	ENERGY STAR certified
Smart Thermostat	30%, up to $150	ENERGY STAR certified
Home Energy Audit	30%, up to $150	Conducted by qualified auditor

Important: These are tax credits (not deductions) — they reduce your tax bill dollar-for-dollar. They apply to your primary residence. File using IRS Form 5695. Consult your tax advisor for your specific situation.

The annual limit is $1,200 for most home improvements (with the $600 sub-limit for AC), but heat pumps have a separate $2,000 limit. You can claim these credits every year through 2032 — so if you install a heat pump this year and add insulation next year, you get credits both years.

2. Florida Power & Light (FPL) Rebates

FPL offers rebates for residential and commercial customers who install qualifying high-efficiency equipment. Current 2026 residential rebates include:

Central AC (SEER2 16+): $75–$150 rebate
Heat Pump (SEER2 16+): $150–$300 rebate
Smart Thermostat: $75 rebate
Duct sealing and testing: Up to $200 rebate

FPL rebates are processed after installation with proof of purchase and efficiency documentation. We handle all the paperwork for our customers. Visit fpl.com/save for current offers, as rebate amounts and availability change periodically.

3. TECO (Tampa Electric) & Other Utility Rebates

If you're served by TECO, Duke Energy, or another Florida utility rather than FPL, similar rebate programs exist. Check your utility's website or ask us — we track current programs across major South Florida utility providers.

4. Manufacturer Rebates & Promotions

Most major HVAC brands run seasonal rebate promotions:

Carrier: Up to $1,500 in instant rebates on Infinity series systems during promotions
Trane: Seasonal cash rebates on XV and XR series
Daikin: Mail-in and instant rebates on qualifying systems
Lennox: Loyalty and new installation rebates

Manufacturer promotions are time-limited and vary by model. We always check current promotions when preparing your estimate and apply them automatically.

5. PACE Financing (Property Assessed Clean Energy)

Florida's PACE program (through providers like Ygrene and PACE Funding) allows homeowners to finance energy-efficient HVAC upgrades with no money down and repay through their property tax bill. Interest rates are competitive and qualification is based on home equity rather than credit score. Note: PACE financing does have implications for mortgage refinancing and home sales — review carefully with a financial advisor.

Stacking Incentives: A Real Example

A Miami homeowner installing a Carrier Infinity heat pump system (SEER2 20, $9,500 installed) could receive:

Federal IRA tax credit (heat pump): −$2,000
FPL heat pump rebate: −$250
Carrier manufacturer rebate: −$800
Total savings: $3,050
Net cost: $6,450 (vs. $9,500 before incentives)

We Handle the Rebate Paperwork for You

We'll identify every incentive you qualify for and handle the documentation. You just enjoy the savings.

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