IRA 25C: annual $3,200 cap for efficiency upgrades (heat pump, water heater, insulation, windows). Stacks across multiple eligible products in the same year. IRA 25D: 30 percent of installed cost (no cap) for solar, battery storage, and geothermal heat pumps. Runs through 2032 then steps down. IRA 30C: $1,000 cap (30 percent of cost) for residential EV chargers in low-income or rural census tracts.
25C Energy Efficient Home Improvement Credit
Annual $3,200 cap. Covers heat pumps ($2,000), heat-pump water heaters ($2,000), induction cooktops, electric panels ($600), insulation ($1,200), windows ($600), doors ($500), home energy audits ($150).
Non-refundable; offsets tax liability up to the credit amount. Excess does not roll forward. Runs through 2032.
25D Residential Clean Energy Credit
30 percent of installed cost, no annual cap. Covers solar PV, battery storage (over 3 kWh), geothermal heat pumps, fuel cells, small wind.
Non-refundable but rolls forward indefinitely. Runs at 30 percent through 2032, then 26 percent in 2033, 22 percent in 2034, 0 percent in 2035+.
30C Alternative Fuel Vehicle Refueling Property Credit
30 percent of installed cost up to $1,000 for residential EV chargers. Only applies in eligible census tracts (low-income or rural).
Check eligibility via the Argonne National Lab census tract lookup tool before claiming. Runs through 2032.
Lock the rate before the next reset.
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