New York State is offering some of the most aggressive geothermal incentives in the country. For homeowners in Westchester County and Putnam County, the financial opportunities are substantial.
Through the NYS Clean Heat Program, residential customers installing Geothermal / ground source heat pumps may qualify for incentives ranging from thousands to tens of thousands of dollars depending on utility territory and eligibility criteria.
Our geothermal experts answered the most frequently asked questions about geothermal heating systems in Westchester and Putnam County.
You can also click here to speak with Bell Mechanical today and explore a customized geothermal solution for your home.
Why Geothermal and why now?
Historically, geothermal has required a larger upfront investment than conventional HVAC systems. The 2026-2030 incentive structure offered by New York State and local utilities substantially offset upfront costs. However, availability is tied to local demand, so it’s important to act quickly.
The benefits of geothermal heating and cooling systems:
Long-term savings on annual electricity bills
System lifespan is estimated at 50 years
Reduced carbon footprint
Quieter operation all season
2026 Geothermal Incentives Notes
How much money will I save with the geothermal incentives?
*Incentives vary depending on your location, your local utility company, and whether your project is a retrofit, an upgrade, or new construction. As time passes, available incentives will change, so it’s imperative to act now.
Con Edison Territory (NYC, Westchester County, and portions of Hudson Valley)
For whole-building geothermal installations:
Standard areas: Up to $30,000 per home
Disadvantaged Communities (DAC) areas: Up to $40,000 per home
This represents the highest geothermal incentive currently available in New York State. If you live in Westchester County or New York City, this is a rare opportunity to dramatically reduce installation costs.
👉 Contact Bell Mechanical to see if you qualify.
Central Hudson Territory (Hudson Valley)
Retrofit Installations
Single-family home: Up to $18,000
Apartment or small home (<1,000 sq ft): Up to $8,000
New Construction
Single-family home: Up to $8,000
Apartment or small home: Up to $4,000
NYSEG Territory (Upstate NY, Finger Lakes, Southern Tier)
Retrofit Installations
Single-family home - standard area: Up to $17,000
Single-family home - DAC area: Up to $18,000
Apartment or small home - standard area: Up to $7,000
Apartment or small home - DAC area: Up to $8,000
New Construction
Single-family home - standard area: Up to $10,000
Single-family home - DAC area: Up to $11,000
Apartment or small home - standard area: Up to $5,000
Apartment or small home - DAC area: Up to $6,000
National Grid Territory (Upstate NY, parts of Long Island & Hudson Valley)
Retrofit Installations
Single-family home - standard area: Up to $20,000
Single-family home - DAC area: Up to $25,000
Apartment or small home - standard area: Up to $10,000
Apartment or small home - DAC area: Up to $12,500
New Construction
Single-family home - standard area: Up to $14,000
Single-family home - DAC area: Up to $19,000
Apartment or small home - standard area: Up to $7,000
Apartment or small home - DAC area: Up to $9,500
Additional rebates are available for heat pumps and domestic hot water heating systems.
Domestic Hot Water Integration (Desuperheater)
$100 rebate for geothermal water heating integration
Heat Pump Water Heater
Typical rebate: Up to $1,250 per unit
👉 Contact Bell Mechanical for a complimentary home survey.
Who is eligible for 2026 geothermal system rebates?
To qualify under the 2026 program rules:
The property must be a residential building with 1–4 dwelling units
The geothermal system must meet 100% of the heating load
Installation must be completed by a participating contractor in the NYS Clean Heat Program
Bell Mechanical is a participating contractor and can guide you through every step of eligibility and installation.
👉 Confirm your home’s eligibility today.
Is Geothermal right for my home?
Geothermal may be an excellent fit if you:
Own a single-family home
Plan to remain in your home long-term
Want predictable heating costs
Are replacing oil, propane, or aging HVAC systems
Are building a new residence
Even if you are early in your research, understanding available incentives can help clarify whether geothermal makes financial sense today. 👉 Contact Bell Mechanical for a complimentary assessment.
How do I get started on my geothermal installation in my home?
The Bell Mechanical process:
Step 1: Home Evaluation
We assess your existing heating system, property layout, and energy profile.
Step 2: Incentive Review
Available rebates and tax credits are identified based on utility territory and eligibility.
Step 3: System Design
Engineers design a geothermal solution tailored specifically to your home.
Step 4: Professional Installation
Experienced technicians manage installation with minimal disruption.
Step 5: Incentive Coordination
We help ensure required program documentation is properly submitted.
Why work with Bell Mechanical?
Geothermal installation is not a standard HVAC replacement. It requires expertise in:
Whole-home heating load analysis
Ground loop engineering
Electrification planning
Utility compliance documentation
Incentive qualification management
Bell Mechanical is a participating contractor within the NYS Clean Heat network and manages the full process. That includes a home evaluation, coordinating your incentives, filing all permits required, installation, and future maintenance.