2026 New Jersey Natural Gas SAVEGREEN Whole Home Energy Solutions Program

Whole-Home Efficiency Rebates & Financing for NJNG Customers

If your home feels drafty in winter, stuffy in summer, or just hard to keep comfortable — you’re not alone.

Many NJNG homeowners feel stuck in the middle:

• The heat works, but comfort is uneven

• Certain rooms always feel harder to condition

• Drafts show up every winter, humidity creeps in during summer

• You’re thinking about upgrades, but it’s unclear what to do first

• You want incentives — but the program options can feel fragmented

The good news: NJNG’s SAVEGREEN Whole-Home Efficiency (Whole Home Energy Solutions) is designed to help homeowners take a practical, step-by-step path to a tighter, more comfortable, more efficient home — with rebates and financing that can make upgrades easier to plan and complete.

What NJNG Whole Home Energy Solutions Means (In Plain English)

NJNG’s SAVEGREEN whole-home offerings are designed to improve how your home performs as a complete system — not just one component at a time.

Instead of guessing which upgrade will help most, the program is built around:

• Assessing the home (so upgrades are based on real conditions)

• Reducing air leakage (drafts and uncontrolled infiltration)

• Improving insulation (so the home holds conditioned air)

• Upgrading equipment where appropriate (HVAC and water heating)

• Coordinating incentives and financing so projects are easier to execute

The core idea is simple:

When the home holds and distributes comfort better, heating and cooling systems can perform the way they’re supposed to.

Who This Program Is For

You may be a good fit for NJNG SAVEGREEN Whole-Home Efficiency if you notice any of the following:

✅ Drafts, temperature swings, or uneven comfort
✅ One floor is consistently harder to heat/cool
✅ High humidity, stale air, or poor circulation
✅ Attic/basement/crawlspace feels extreme
✅ An older home that’s difficult to condition evenly
✅ You’re considering HVAC or water-heating upgrades and want to do it the right way

If you’re considering heat pumps (now or later), whole-home work is often the best first step because heat pump performance is optimized in a tight, well-insulated home.

What the Program Typically Covers

NJNG’s SAVEGREEN whole-home path commonly supports improvements such as:

1) Air Sealing

Targeted air sealing reduces uncontrolled drafts and helps stabilize indoor comfort.

2) Insulation Improvements

Insulation helps the home hold conditioned air longer and maintain more even temperatures across rooms and floors.

3) Efficient Water Heating

Efficient water-heating upgrades, including heat-pump water heaters, can reduce the energy required to produce hot water and complement broader home performance improvements.

4) Heating & Cooling Upgrades

In some cases, HVAC upgrades (including high-efficiency equipment and heat pump options) may be eligible through SAVEGREEN pathways.

NJNG SAVEGREEN Support: Cash-Back + 0% On-Bill Repayment

If you live in an older New Jersey home, you already know the pattern:
you get used to the drafts, the uneven temperatures, the hot upstairs, the cold downstairs — and the idea of fixing it feels like too big of a project.

NJNG’s SAVEGREEN program changes that equation.

Eligible New Jersey Natural Gas customers can access:

• Up to $7,500 in cash-back incentives for qualifying whole-home efficiency improvements

• Up to $25,000 in 0% interest On-Bill Repayment (OBRP) financing to spread project costs over time through the utility bill

That combination is the reason many homeowners participate: it makes it possible to improve comfort and performance.

Important: Incentives and financing are subject to program rules, available funding, and eligibility requirements. OBRP financing is available to qualified borrowers.

What This Makes Possible (Especially in Older Homes)

With SAVEGREEN support, homeowners commonly choose to address the improvements that matter most first — such as:

• Air sealing to reduce uncontrolled drafts

• Insulation upgrades to help the home hold conditioned air

• Targeted heating and cooling improvements when systems are aging

• Efficient water heating upgrades, including heat-pump water heaters, when appropriate

The goal isn’t to “do a renovation.”
It’s to make your home easier to heat and cool, more consistent from room to room.

Why Starting With an Audit Helps You Maximize Incentives

A lot of homeowners aren’t excited about the idea of a Home Energy Audit.
It can sound like an extra step — or an inconvenience — when what you really want is to start improving your home.

Here’s the reality:

A Home Energy Audit is a prerequisite for participating in NJNG’s SAVEGREEN Whole Home Energy Solutions program.
NJNG requires this step because the program is designed around verified home performance and proper documentation — not guesswork.

The biggest mistake homeowners make is choosing upgrades out of order. That’s when projects run into preventable problems: missed paperwork, delayed approvals, and upgrades that don’t qualify the way homeowners expected.

What the Audit Actually Does (and Why It Matters)

A Home Energy Audit helps you:

• Identify the improvements that will have the biggest impact in your home
  (so you’re not spending effort on low-impact fixes)

• Confirm the correct SAVEGREEN pathway and required documentation
  (so incentives and financing stay on track)

• Sequence upgrades so they qualify properly
  (whole-home programs often require a specific order)

• Avoid rework, delays, and missed eligibility
  (the audit reduces “do-overs” and stalled projects)

In other words, the audit turns a vague “we should do something” into a clear plan — and it creates the documentation foundation NJNG uses for rebates and financing coordination.

The Bottom Line

If you want to access SAVEGREEN incentives and On-Bill Repayment financing, the audit isn’t optional — it’s the starting point.

And when done correctly, it’s not a slowdown.
It’s the step that makes everything else easier.