Act Now to Maximize Your Savings: 2025 Financial Incentives for Heat Pumps in St. Louis

Act Now to Maximize Your Savings: 2025 Financial Incentives for Heat Pumps in St. Louis. Thinking about upgrading to a heat pump? Don’t wait – the countdown has begun on the best incentives we’ve ever seen! Energy costs are rising, and more St. Louis homeowners are switching to energy-efficient systems, including heat pumps. The final months of 2025 are your chance to secure major savings with valuable financial incentives, putting more money back in your pocket now and for years to come.

For just a few more months, three programs overlap for the first, and probably only, time:

• The federal Section 25C tax credit for qualifying systems that must be installed by December 31, 2025
• Ameren Missouri’s new FastTrack HVAC Pay As You Save® program (PAYS) with rebates and on-bill financing
• Daikin manufacturer rebates available for a limited time

What You’ll Learn in This Post

• How heat pumps help lower your utility bills and make your home more comfortable
• Which federal tax credits are available through the end of 2025 (shortened from 2032 after the passage of the One Big Beautiful Bill)
• How Ameren Missouri’s brand-new rebate program adds even more savings
• Details on the Daikin rebate available this fall
• How to stack all these savings for maximum benefit
• SmartHouse financing options that make upgrades more affordable
• What to know about eligibility and how SmartHouse helps you qualify

Energy Efficiency That Pays Off Long-Term

Unlike old-school HVAC systems that burn fuel to generate heat, heat pumps transfer heat, using far less energy. That means:

• Lower electricity and natural gas bills
• Fewer temperature swings (especially with inverter technology)
• Less wear-and-tear on your equipment
• A smaller carbon footprint for your household

The U.S. Department of Energy reports households can save about $300–$1,500 per year with a heat pump, depending on climate and usage.

Federal Tax Credits for Heat Pumps: Get Up to $2,000 Back

The Energy Efficient Home Improvement Credit (Section 25C) lets homeowners claim 30% of the cost – up to $2,000 – for qualifying air source heat pumps installed by December 31, 2025 that meet ENERGY STAR® criteria.

The Residential Clean Energy Credit (25D) lets homeowners claim 30% of the cost for qualifying ground-source (geothermal) heat pumps installed by December 31, 2025.The 25D has no cap – it’s 30% of the installed cost.

Ameren Missouri’s FastTrack HVAC PAYS® Program

Ameren Missouri’s FastTrack HVAC PAYS helps make high-efficiency systems more affordable with rebates and on-bill financing. The process is simple:

1. Connect with SmartHouse: schedule your free visit.
2. Get an offer: using Ameren’s program, we’ll determine eligibility and walk you through the FastTrack HVAC PAYS offer, including your upfront rebates and the portion advanced by Ameren that’s repaid on your monthly bill. Any remaining amount not covered by Ameren (co-pay) can be easily paid by check, credit card or one of our flexible financing plans.
3. Install and save: once installed, the monthly program charge will simply be added to your Ameren bill.

Rebates available (Now – Dec 31, 2025):

• Central Air Conditioner: up to $1,000 per system
• Air-Source Heat Pump: up to $2,000 per system
• Ground-Source Heat Pump: up to $5,000 per system
• Mini-Split: up to $500 per ton
• Smart Thermostat: up to $250

Eligibility: single-family residential customers in the Ameren Missouri service area.

Manufacturer Rebates: Daikin

Daikin is currently offering instant rebates on select systems with purchase and installation windows in 2025.

Daikin Rebates (Now – Dec 31, 2025)

• $1,000 rebate available on the Daikin FIT system

Daikin offers can often be combined with qualifying federal tax credits and local utility incentives like Ameren’s FastTrack PAYS.

Stacking Your Savings: Tax Credits + Ameren + Manufacturer Rebates

Right now, St. Louis homeowners have a limited-time chance to combine multiple incentives for unbeatable savings:

• Federal 25C tax credit (up to $2,000 for qualifying heat pumps, expiring Dec. 31, 2025 after the passage of the One Big Beautiful Bill)
• Ameren FastTrack HVAC PAYS rebates and on-bill financing to reduce upfront costs and spread repayment through your utility bill
• Daikin manufacturer rebate of $1,000 on qualifying Daikin FIT systems

Here’s a real-world example:

Upgrading to a Daikin FIT enhanced 18.5 SEER2 heat pump with a 97% efficient modulating gas furnace (system price $18,340) could stack up like this:

• $1,000 manufacturer rebate
• $1,575 Ameren & Spire rebate
• $5,000 advanced by Ameren
• $2,600 federal Section 25C tax credit

That brings the final cost after rebates and credits to $13,165. With financing, that works out to about $138 per month for 10 years at 7.99% — and it even includes an annual maintenance visit and free filters for three years.

SmartHouse will guide you step by step to make sure you capture every incentive while they last.

How to Qualify for Ameren’s New Rebate Program

Ameren’s new HVAC PAYS program makes it simple to save money on a new heat pump.

Here’s how it works:

• The system must meet Ameren’s efficiency standards (like the Daikin FIT).
• Installation has to be done by a participating contractor (that’s us).
• Ameren looks at your property’s utility usage history (not your credit score) to pre-approve an advance toward the system cost.
• Your estimated energy savings with your new system must be equal to or greater than the monthly charge added to your bill for the advance by Ameren.
• The program is available to Ameren Missouri single-family, residential customers who have resided in the home for at least one year. The repayment is tied to the electric meter and stays with the property if you move.

Don’t Wait — These 2025 Heat Pump Incentives Won’t Last Forever

If you’re thinking about replacing your AC or upgrading your entire HVAC system, the last few months of 2025 are the very limited window to take advantage of everything at once. With federal tax credits expiring after December 31, 2025, and Ameren’s brand-new FastTrack HVAC PAYS rebates and on-bill financing now in place, homeowners can stack savings in a way that may not be possible again. Add in manufacturer rebates, and the combination of incentives this fall creates the strongest opportunity to save that St. Louis homeowners will see for years.

Ready to see how much you can save on a new heat pump?

Call 314-370-1816, text 314-310-2242, or schedule an appointment online with SmartHouse Heating & Cooling today. We’ll help you find the right system, the right savings, and the right payment plan — all with our signature craftsmanship and care.