NJ energy incentive operations — run by the team that mastered the country’s hardest rebate market.
New Jersey runs one of the most complex residential energy-rebate markets in the country — three electric utilities, the $7,500 NJ Whole Home program, and PSE&G’s Building Decarbonization stacking rules. HomeWise operationalized all of it: we find every incentive, handle the paperwork, and track each job to a paid check. NJ is where we proved it — we run the same playbook in any market.
Programs and amounts current as of 2026-04-25. NJ rebates change yearly and funding is first-come, first-served — confirm current figures with our team.
We built our operating layer in New Jersey on purpose.
Rebate paperwork is where home-energy revenue leaks. If you can run PSE&G, JCP&L, and ACE programs cleanly — with NJ Whole Home and Building Decarbonization scope-splitting rules — you can run rebates anywhere. NJ is the beachhead and the proof, not the limit.
Which NJ programs we operate — and for how much.
NJ Whole Home Energy Solutions
One bundled scope — insulation, air sealing, HVAC, water heater. Requires a BPI-certified audit first and ≥5% total energy savings. All 7 NJ utilities.
Up to $7,500
PSE&G Building Decarbonization — Clean Heat
$12,000 for income-eligible (LMI) plus adders; PSE&G electric customers only. An optimized project can exceed $17,500.
Up to $10,000+
PSE&G BD — Dual Heat / Hybrid Heat
Mutually exclusive with Clean Heat — one BD program per project, highest applicable value wins.
$5,000 / $2,000+
Equipment rebates — PSE&G / JCP&L / ACE
PSE&G heat pump $900; JCP&L $750; ACE $300–$700. Standalone heat-pump water heater $750.
$300–$900
0% On-Bill Repayment financing
$25,000 standard / $50,000 heat-pump caps, repaid on the utility bill. The one element that stacks across programs.
Up to $75,000
Every one of these has a different application portal, eligibility spec, and exclusion rule. Knowing them cold is the job — and it’s the job we do.
Can NJ Whole Home and Building Decarbonization be stacked?
No. They are two separate programs, not one stacked rebate.
Heating and cooling can sit under one program at a time. Taking the larger Building Decarbonization heat-pump rebate pulls HVAC out of the Whole Home scope, which reduces the Whole Home rebate — there is no “$7,500 + $10,000 = $17,500” path. The only thing that stacks is 0% On-Bill Repayment financing, up to $75,000 combined.
Get this wrong and you over-promise a homeowner or fail a program audit. HomeWise computes both paths — full Whole Home vs. split-scope plus Building Decarbonization — and recommends the higher net rebate, automatically, on every job.
Who serves which NJ territory?
PSE&G
Northern + Central NJ (the largest)
Whole Home, the $900 heat-pump rebate, and all three Building Decarbonization programs — electric customers only.
JCP&L (FirstEnergy)
Central + Northern NJ
Whole Home and the $750 equipment heat-pump rebate.
Atlantic City Electric (ACE)
Southern NJ
Whole Home, $300–$700 rebates, plus $200/measure for income-eligible homes.
Rockland Electric
Smallest NJ territory
Whole Home only; no equipment rebates currently active.
Per-utility eligibility is exactly the knowledge that breaks contractors and slows program participation. It’s pre-loaded in our system.
We proved it in NJ. We run the same playbook in your market.
For contractors
We handle the program paperwork so you sell on instant savings, get paid faster, and stop chasing reimbursement checks — in any state’s utility programs.
For program partners
We sit on top of your existing DSM or rebate platform as the contractor-engagement and participant-acquisition layer — we don’t replace it.
SOC 2 Type II engagement underway — partners can . Add-ons (a white-label homeowner portal, referral system, ambassador network, and community-partnership campaigns) ship from the HomeWise app and layer on top of core Luna.
The receipts: our rebate-knowledge library.
We maintain working guides on every NJ program, utility, and stacking rule above — the same operational knowledge we run on each job.
- NJ Whole Home
- PSE&G Building Decarbonization
- OBR financing
- PSE&G / JCP&L / ACE
NJ rebate questions, answered.
- What energy rebate programs does HomeWise operate in New Jersey?
- HomeWise operates the full NJ residential incentive stack: the NJ Whole Home Energy Solutions program (up to $7,500), PSE&G Building Decarbonization (Clean Heat up to $10,000+, Dual Heat $5,000+, Hybrid Heat $2,000+), the PSE&G $900 / JCP&L $750 / ACE $300–$700 equipment rebates, the standalone $750 heat pump water heater rebate, and 0% On-Bill Repayment financing. We handle eligibility, application, and tracking to a paid check across all three electric utilities — PSE&G, JCP&L, and Atlantic City Electric.
- Can the NJ Whole Home rebate and PSE&G Building Decarbonization rebate be combined on one job?
- No — they are two separate programs, not a stacked rebate. Heating and cooling can sit under one program at a time. If a project takes the larger Building Decarbonization heat-pump rebate, HVAC comes out of the Whole Home scope, which reduces the Whole Home rebate. The only thing that stacks is 0% On-Bill Repayment financing — up to $75,000 combined. HomeWise computes both paths automatically and recommends the higher net rebate per job.
- How much is the NJ Whole Home Energy Solutions rebate and what does it require?
- Up to $7,500 per single-family or small multi-family (up to 4 units) home, covering insulation, air sealing, HVAC, and water-heater upgrades as one bundled scope. It requires a BPI-certified energy audit as step one and a minimum 5% total energy savings. The full $7,500 is paid only when the bundled scope is completed — HomeWise manages the audit-to-payment paperwork end to end.
- Is this a New-Jersey-only service?
- No. New Jersey is where HomeWise built and proved its rebate-operations engine — one of the most complex utility markets in the country. The same playbook runs in any market: we onboard a state’s programs, eligibility specs, and utility portals as configuration, then handle the paperwork and reimbursement tracking for contractors and program partners nationwide.
- What is 0% On-Bill Repayment (OBR) financing in NJ?
- OBR is 0% APR financing repaid as a line item on the homeowner’s utility bill for up to 10 years — up to $25,000 for standard projects and up to $50,000 for heat-pump projects. It is the one element that stacks across NJ Whole Home and PSE&G Building Decarbonization, for up to $75,000 combined. HomeWise structures the financing alongside the rebate so contractors can sell on near-zero out-of-pocket.
- Are federal IRA tax credits part of the NJ rebate numbers?
- No. The federal Inflation Reduction Act tax credits (25C and 25D) expired on December 31, 2025. All amounts here are NJ state and utility rebates, current as of the date shown. HomeWise keeps program rules current so contractors never quote an expired or superseded incentive.
See Luna run your next project.
Book a 20-minute demo. We will show Luna on a real home-energy project — and how the founding cohort works.