Home Performance Program

The SMUD Home Performance Program (HPP) is a whole-house approach that bundles energy-efficiency upgrades to deliver more savings, comfort and rebate options. (Rebates are subject to availability.)

1. Select your contractor

Find a participating HPP contractor. Your contractor will recommend improvements, rebate packages and financing options that fit your schedule and budget.


Find a contractor

2. Select your upgrade package

We’ve improved our HPP program to make it easier to choose what’s right for you. Your contractor will recommend the best package for you based on your needs. There are 4 available options:


  • Heating and Cooling Package − rebates up to $3,000
  • Go-Electric Bonus Package − rebates up to $2,500 
  • Heat Pump Water Heaters − rebates up to $2,500
  • Seal and Insulate Package − rebates up to $3,000

3. Finance your project with SMUD

SMUD offers 6.99% APR financing on Home Performance Program energy upgrade projects. The maximum unsecured loan amount is $30,000, with a maximum loan term of 180 months and a loan application fee of $100.


Interest rates may vary so please check with a participating contractor or call SMUD Financing at 1-916-732-5472.


Get pre-qualified

Upgrade packages

Heating and cooling can be 40% of the energy used in your home. Rebate up to $3,000.

Choosing a more efficient heat pump water heater can help you reduce your monthly water heating bills. Rebates up to $2,500.

Air-sealing and adding insulation are often the most cost-effective ways to improve your home’s energy efficiency. Rebates up to $3,000.

Make your house electric ready. Wire your house for an EV charger and electric appliances. Rebate up to $2,500.

Program information

How much do upgrades cost?

Costs are dependent on the scope of work, your home's size and ability to access the work areas; it's therefore impossible to offer suggested values. Each home requires unique repairs which will trigger different prices.

What types of dwellings are eligible?

Single-family homes, town homes, and condominiums qualify. Duplexes, triplexes and quadplexes also qualify with special restrictions. Each unit in these types of buildings must be at least 1000 sq. ft. If not, the rebate is reduced by 50% per unit less than 1000 sq. ft. Apartment complexes of more than four units and mobiles homes are not eligible for this program.

Do I have to do all the upgrades at once to receive a SMUD rebate?

No, you may complete your project in phases as long as you complete the entire project within five years of the first application submission. For example, you may replace a broken furnace now and complete additional work such as attic insulation or a water heater replacement at a later date.  

How do I track the status of my SMUD rebate application?

Initially, your contractor will be your first point of contact for information on the status of your rebate. Once your application is in our system, you will receive an email with instructions on how to set up your account. After you set up an account, you can check the status of your rebate at any time by clicking on the link that you’ll receive by email. If you don't have internet access or need additional assistance, please contact our Home Performance Program team at the phone number or email listed on this page.

What happens after the project is complete?

You may have several follow-up visits to inspect the project. A local building inspector will visit your home to confirm the work complies with building codes, which are written to ensure your safety and health. In addition, if your project included changes to your heating and cooling system, SMUD will send a Home Energy Rating System (HERS) rater to ensure the system is working as designed. The contractor is responsible for building permits and HERS testing. You should ask if these fees are part of their proposal.

Who receives the rebate check?

The rebate can be paid to you or the contractor. You should confirm who will receive the rebate check with your contractor. We suggest you do this before starting your project. Rebate recipients must be in SMUD’s payment system, either as a SMUD account holder or SMUD verified contractor. Any other payees can be added by contacting our Home Performance Program team at the phone number or email listed below.

When should I expect the rebate check?

Once the final paperwork is approved, we typically send payment within 2 weeks of the approval date.

Where can I get more information?

You can contact SMUD's Advanced Home Solutions line at 1-916-732-5732. Inquiries can also be referred by email to AdvancedHomeSolutions@smud.org for questions on program eligibility, the installation process and a list of participating contractors. for details on SMUD financing, please contact one of our financing professionals at 1-916-732-5472.



Heat Pump HVAC requirements

  • 16 SEER cooling efficiency
  • 8.2 HSPF heating efficiency
  • 2-stage compressor or better
  • Connected thermostat (Wi-Fi enabled, 7-day programable)
  • Existing ductwork sealed as required by Title 24 energy code
  • Replacement ductwork insulated to a minimum of R-8  

Go-Electric Rebate Requirements

  • Up to $500 paid for each eligible circuit, up to a total of $2,500
  • All circuits must be wired to the source (wire and breaker).
  • Eligible circuits include: dryer, cooktop/range, electric vehicle and water heater.
  • If an electrical panel upgrade is included with future appliance circuits, the customer is eligible for a total rebate of $2,500. The home must be all-electric ready with the panel plus all eligible circuits. 

*These specifications are a condensed version of guidelines outlined in the HPP Participating Contractor Handbook. Contractors are responsible for knowing the current program rules and advising customers appropriately.

Our HPP contractors follow standards set by the Building Performance Institute and have extensive training in building science and technology.

To become a SMUD HPP Contractor, contact Efficiency First California, SMUD’s Program Administrator at contractorsupport@efficiencyfirstca.org or 916-209-5117