Savings Within Reach
Increased incentives for income-qualified households
Energy-saving home improvements can help lower your energy bills, and you don’t need a big budget to get started. Savings Within Reach helps make home energy upgrades more affordable for income-qualified households. With increased cash incentives on qualifying projects, you’ll spend less on energy-saving projects and enjoy a more comfortable home.
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Establish your eligibility.
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Contact an Energy Trust of Oregon trade ally contractor trained to provide Savings Within Reach services.
Your contractor will provide a bid for eligible upgrades.
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Prior to beginning improvements, your contractor will ask you to sign an Income Verification form to confirm your eligibility.
All improvements must be installed by an approved Energy Trust trade ally trained to provide Savings Within Reach services.
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After installation, your contractor will submit your signed incentive application.
Your Income Verification form and invoices for your energy-efficient improvements will also be submitted to Energy Trust. Incentives will be paid directly to your contractor, who will deduct the incentive amount from your invoice, reducing your out-of-pocket costs. You are responsible for paying the balance of the invoice.
In addition to the eligibility requirements listed in the Steps tab, to participate you must live in a single-family home, manufactured home or multifamily residence that is either an attached side-by-side unit or a duplex, triplex or fourplex. Stacked structures with five or more units are only eligible for the ductless heat pump and heat pump water heater incentives. You must also meet Energy Trust’s income qualifications listed below.
Please note: If you live in a rental property, the homeowner or property owner must approve work before it begins.
| Household size | Gross annual income minimum | Gross annual income maximum |
|---|---|---|
| 1 resident | $25,760 | $55,610 |
| 2 residents | $34,840 | $72,722 |
| 3 residents | $43,920 | $89,832 |
| 4 residents | $53,000 | $106,944 |
| 5 residents | $62,080 | $124,056 |
| 6 residents | $71,160 | $141,166 |
| 7 residents | $80,240 | $144,374 |
| 8 residents | $89,320 | $147,582 |
Temporary Eligibility
Employment Status COVID-19 Impacts
You may qualify if your employment was impacted by COVID-19 and you are eligible to receive assistance from one or more of the following:
- Local, state and/or federal agencies
- A community-based emergency fund
This eligibility extension is available through December 31, 2021.
For qualification questions or more information regarding Savings Within Reach, call 1.866.368.7878.
| Upgrade | Incentive | Requirements |
|---|---|---|
| Attic insulation | $0.50 per square foot | If existing condition is R-11 or less, insulate to R-38. Manufactured homes are not eligible for this incentive. |
| Wall insulation | $0.50 per square foot | Exterior wall insulation: Knee wall insulation: Rim joist insulation: Manufactured homes are not eligible for this incentive. |
| Floor insulation | $0.40 per square foot | If R-0, insulate to R-30 or fill cavity. Manufactured homes are not eligible for this incentive. |
| Heat pump controls | $250 | Controls must be included in Energy Trust’s list of qualifying products. Controls must have an outdoor temperature sensor or be web-enabled and retrieve weather data from the internet. Must lockout electric furnace auxiliary heat at 35°F or lower. Existing or replacement heat pump must have electric furnace backup to qualify. Cannot be combined with other heat pump, heat pump controls or smart thermostat incentives. |
| Efficient heat pump | $1,000 | Minimum efficiency heating seasonal performance factor (HSPF) 8.5. Incentive is only available for homes replacing from electric forced-air furnace. Cannot be combined with other heat pump, heat pump controls or thermostat incentives. |
| Ductless heat pump* | $1,000 | Minimum efficiency HSPF 9.0. Home must use electric resistance heat** as the primary heat source. One indoor unit must be installed in the primary living area of the home and must displace electric resistance heat. |
| High-efficiency gas furnace | $550 | Furnace must be home’s primary heating source. 90% annual fuel utilization efficiency (AFUE) or greater. Gas furnaces used as backup for heat pumps, also known as hybrid systems, are not eligible. |
| Heat pump water heater tier 3* | $270 | Eligible models must meet Northwest Energy Efficiency Alliance’s (NEEA’s) Advanced Water Heater Specification Tier 3 and replace an existing electric water heater to qualify for this cash incentive. Tank may be any size. |
*Please note: Stacked structures with five or more units are eligible for the ductless heat pump and heat pump water heater incentives only.
**Examples of electric resistance heat include baseboards, ceiling heat, wall heat and electric forced-air furnaces.
Special qualification rules and restrictions apply. Incentives are subject to funding availability and may change.
Incentives are not intended to influence consumer decisions on fuel sources.
You may qualify for certain upgrades at no cost from your local Community Action Agency based on your income. Visit oregon.gov to find a Community Action Agency near you.
Download our Savings Within Reach fact sheet.
Energy Trust recommends getting at least three bids from contractors, but it is not a requirement to participate. To participate in Savings Within Reach, your contractor must be a trained Energy Trust trade ally contractor approved to offer Savings Within Reach. Approved contractors can be found using our Find a Contractor tool. Energy Trust is also happy to send you three approved contractors if you would like.
Yes. If you invest in additional energy-saving improvements, you can receive standard Energy Trust incentives. However, each improvement is eligible for only one incentive. For example, if you install wall insulation, you must choose either the Savings Within Reach incentive or the standard Energy Trust incentive. With Savings Within Reach, the incentive is paid to your contractor and provided as a line-item discount on your invoice.
To receive standard incentives for a project that is not part of Savings Within Reach, you will pay your contractor in full and then submit your incentive application and invoices to Energy Trust to receive your cash incentive.
Ductless heat pump or equipment upgrades that are made in individual units can qualify for Savings Within Reach incentives by using the income of the property owner or the income of the tenant residing in the unit where the energy upgrade is being installed.
For upgrades that are completed throughout the entire building to qualify, like insulation, the income verification must be for the property owner or for every tenant household.
Your gross annual income is the total amount currently earned annually by all household members before taxes and deductions. Income includes all gross wages, tips, rental income, public assistance, social security or pensions, income from self-employment, alimony, or any other sources of income defined by the IRS income tax return.
Here is a sample income calculation:
$15 hourly wage x 32 hours per week x 52 weeks per year = $24,960.
Yes. However, if your gross income is below the minimum income level for your household size, you may qualify for free weatherization services from Oregon’s Weatherization Assistance Program, which is administered by Oregon Housing and Community Services. For more information, call 1.800.453.5511, option 2, or contact your local Community Action Agency. (Please note: You are not required to use these services to participate in Savings Within Reach.)
Anyone reported as a member of your household on the IRS income tax return for the previous tax year.
You can qualify for Savings Within Reach if you or a contributing member of your household was laid off or furloughed due to COVID-19 and are eligible to receive assistance from either:
- Local, state and/or federal government agencies
- Community-based emergency fund grant systems
Examples of these programs include:
- Oregon Department of Employment’s Unemployment Insurance (UI) Benefits
- Pandemic Unemployment Assistance Program (PUA)
- Federal program offering benefits to self-employed, contract and gig workers
- Federal Pandemic Unemployment Compensation (FPUC) benefit
- Additional $600 of benefits in addition to other unemployment benefits
- Wage replacement emergency fund for culturally specific communities, which are not eligible to receive public benefits such as the Oregon Worker Relief Fund (which serves immigrant communities)
- A wage replacement emergency fund for culturally specific communities of the state that are not eligible to receive public benefits, such as:
- The Valentine Fund, serving the artist community
- COVID-19 Oregon Musicians Relief Fund
You can qualify for Savings Within Reach if you or a contributing member of your household was laid off or furloughed due to COVID-19 and are/were eligible to receive assistance from either:
- Local, state and/or federal government agencies
- Community-based emergency fund grant systems
You can qualify for Savings Within Reach if you or a contributing member of your household’s employment status was further impacted by COVID-19 and are/were eligible to receive assistance from either:
- Local, state and/or federal government agencies
- Community-based emergency fund grant systems
As long as a household member’s unemployment is connected to the COVID-19 pandemic, self-employed contract and gig workers are eligible to participate in Savings Within Reach through June 30, 2021
Your installation must be completed by a Savings Within Reach approved trade ally contractor between July 1, 2020 and June 30, 2021. To find Savings Within Reach qualified trade ally contractors, you may visit Energy Trust’s Find a Trade Ally Contractor tool and search by Savings Within Reach and your zip code.
Once you select a Savings Within Reach approved trade ally contractor, inform your contractor you would like to participate in Savings Within Reach. They will fill out the forms for you to sign; you will need to indicate your employment status on the Income Verification form.
The Savings Within Reach incentive will be paid directly to your contractor, who will deduct the incentive amount from your invoice, reducing your out-of-pocket costs. You are responsible for paying the balance of the invoice. Your trade ally will submit all forms on your behalf.
As long as you are eligible to receive benefits through unemployment benefits, wage replacement or relief funds due to COVID-19, you qualify.
If you are eligible to receive benefits through wage replacement or relief funds due to COVID-19, you qualify.
As long as you are eligible to receive unemployment benefits, wage replacement or relief funds due to COVID-19, you qualify.
Customers do not need to provide proof of COVID-19 employment impact, but customers will need to sign the Savings Within Reach application and Income Verification form to verify qualification. Customers must agree to terms and conditions and meet these qualifications:
“My household income is impacted due to Coronavirus-related employment disruptions … and is eligible to participate in Savings Within Reach through June 30, 2021.”
Yes, as long as one person in your household has had their employment affected by COVID-19.
The new guidelines are effective July 1, 2020 through June 30, 2021.
Qualifying installations completed on or after July 1, 2020 will be eligible for the guidelines.
A multifamily property owner may use their own income or COVID-19 employment disruption to access Savings Within Reach incentives to complete upgrades in any unit of a multifamily property they own.
A multifamily property owner may use a tenant’s income or a tenant’s COVID-19 employment disruption to access Savings Within Reach incentives to complete upgrades in the unit of the affected tenant.
Questions?
For income qualification questions or more information regarding Savings Within Reach, call 1.866.368.7878 for single-family home projects or 1.877.510.2130 for multifamily projects.