2026 PSE&G Whole Home Energy Solutions Program
If your home feels drafty in winter, hot in summer, or never quite comfortable, you are not imagining it. PSE&G Whole Home Energy Solutions is a practical, step by step path to a tighter, more comfortable, more efficient home, with rebates up to $7,500 and interest free on bill repayment up to $25,000 for qualifying projects.
Current program terms run through June 30, 2027.
Who the program is for
You may be a good candidate if you notice any of the following:
- Drafts or temperature swings
- One floor is hard to keep comfortable
- High humidity, stale air, or uneven airflow
- An older home that is difficult to heat or cool evenly
- An attic, basement, or crawlspace that feels extreme
- HVAC equipment that is aging or due for replacement
What the program typically covers
1. Air sealing
Targets the main leakage points that drive drafts and comfort problems, especially at the attic plane, rim joist, and other key transitions.
2. Insulation
Helps your home hold conditioned air and maintain more even temperatures across rooms and floors.
3. Efficient water heating
Reduces the energy required to produce hot water, including heat pump water heaters, alongside broader home performance improvements.
Incentives and financing
PSE&G provides up to $7,500 in cash back rebates, based on your home's modeled energy savings: a $2,000 base rebate at 5% projected savings, plus $200 for each additional percentage point, capped at 50% of eligible project costs. Enhanced support is available for income qualified households.
PSE&G also offers up to $25,000 of 0% interest On Bill Repayment to qualified borrowers, with 7 or 10 year terms. There is no bank loan and no credit check; qualification is based on your utility payment history. We help you understand which financing options apply to your project and how they integrate with rebates and milestones.
How this relates to PSE&G Building Decarbonization
These two programs often work best together. Whole Home Energy Solutions improves the home itself: insulation, air sealing, duct performance, and whole home comfort and efficiency.PSE&G Building Decarbonization focuses on the heating and cooling system: heat pumps, hybrid heating setups, electrical upgrades, and electrification incentives.
Many homeowners use Whole Home Energy Solutions first to improve envelope performance, then pursue Building Decarbonization incentives for heat pumps or hybrid heating, because the system performs better in a tight, well insulated home. Combined on one project, the two programs raise your available 0% on bill financing to $75,000.
Why we always start with a home energy audit
A Home Energy Audit is a prerequisite for participating in PSE&G Whole Home Energy Solutions. PSE&G requires it to establish eligibility, identify the most effective upgrades, determine which program pathway applies to your home, and document conditions for incentives and financing.
The audit answers the questions homeowners actually care about: where is my home losing comfort, which improvements will matter most, do insulation and air sealing need to come first, and what can be sequenced over time. Rather than guessing or starting with the wrong upgrade, the audit creates a clear, prioritized roadmap. It costs $99 (a $299 value), credited toward your project if you move forward.
How to get started
- Schedule a home energy audit
- Review your home's findings and eligible upgrade pathways
- Choose a phased plan or a comprehensive improvement package
- Complete upgrades and required test out
- We submit documentation for your incentives and financing
Ciel Power LLC is a PSE&G Participating Contractor, an ENERGY STAR Contractor of the Year, and a PSE&G Top 10 Contractor. Your rebate comes from PSE&G; we handle the audit, energy modeling, scopes, paperwork, installation coordination, and final rebate closeout, start to finish.
Frequently asked questions
Do I need to know what upgrades I want before the audit?
No. The audit exists to diagnose the home and identify the right sequence.
Is this program only about insulation?
No. Whole Home Energy Solutions often includes insulation and air sealing, but may also support duct, water heating, and HVAC improvements depending on the home.
Do I have to install all of the recommended upgrades?
No. Adequate attic insulation, air sealing, and remediating any health and safety issues are program requirements. Outside of these areas, you can pick and choose the upgrades that meet your needs and your budget.
Can I combine Whole Home Energy Solutions with Building Decarbonization?
Often, yes. Both rebates apply to the same project, and combined 0% on bill financing rises to $75,000. Sequencing matters, and the audit helps you choose the best path.
Can I use this program to upgrade my rental properties?
Yes, in many instances this program can be used to upgrade qualifying rental properties. Call or email us to discuss yours.
Is there a charge for a Ciel Home Energy Audit?
Yes. The Ciel Home Energy Audit is offered at $99 (a $299 value). If you move forward with recommended work through Ciel Power, the $99 is credited toward your project.