Skip to Main Content

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.

  1. Establish your eligibility.

    Read More >

    You must live in Oregon and heat your home with electricity or natural gas provided by Portland General Electric, Pacific Power, NW Natural, Cascade Natural Gas or Avista. Additional requirements apply; check the Details tab for additional requirements.

  2. 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.

  3. 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.

  4. 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 an attached side-by-side unit like a rowhome, or is a unit within a duplex, triplex, or fourplex property. Stacked structures with five or more units are only eligible for the ductless heat pump incentive. 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 sizeGross annual income minimumGross annual income maximum
1 resident$29,160$62,530
2 residents$39.440$81,770
3 residents$49,720$101,010
4 residents$60,000$120,252
5 residents$70,280$139,492
6 residents$80,560$158,732
7 residents$90,840$162,341
8 residents$101,120$165,948

For qualification questions or more information regarding Savings Within Reach, call 1.866.368.7878.

Upgrade Incentive Requirements
Attic insulation $1.50 per square foot

If existing condition is R-18 or less, insulate to R-38 or greater or fill cavity for single-family homes Insulate to R-30 or greater or fill cavity for manufactured homes.

Wall insulation $0.75 per square foot

Exterior wall insulation:
If existing condition is R-4 or less, insulate to R-11 or fill wall cavity; all heated exterior wall surfaces must be insulated.

Knee wall insulation:
If existing condition is R-4 or less, insulate to R-15 for 2×4 cavities; R-21 for 2×6 cavities; cover attic side of wall with vapor permeable air barrier. Please note: Attic insulation must be R-19 or higher in order for knee wall insulation to be eligible for an incentive.

Rim joist insulation:
If existing condition is R-4 or less, insulate to R-15 or fill cavity.

Manufactured homes are not eligible for this incentive.

Floor insulation $0.75 per square foot

If R-0, insulate to R-30 or greater or fill cavity for single-family homes. Insulate to R-22 or greater or fill cavity for manufactured homes.

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 (HSPF2) 7.5.

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 HSPF2 8.55.

One indoor unit must be installed in the primary living area of the home and must replace electric resistance heat** as primary heat source.

High-efficiency gas furnace $1,000

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.

*Please note: Stacked structures with five or more units are eligible for the ductless heat pump incentive 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.

Solar Within Reach

If you are interested in rooftop solar for your home, Energy Trust offers increased cash incentives for Savings Within Reach-qualified households through Solar Within Reach. For more information, visit our Solar Within Reach page or call 1.877.777.4018.

Manufactured Home Replacement 

If your manufactured home was built before 1995, you may qualify for cash incentives for a newly built, energy-efficient manufactured home. For more information, visit our Manufactured Home Replacement page, call 503.374.1660 or email

Community Action Agencies

You may qualify for certain upgrades at no cost from your local Community Action Agency based on your income. Visit to find a Community Action Agency near you.

Download our Savings Within Reach fact sheet.

Do I need multiple bids from a contractor for my energy improvement projects?

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.

Am I still eligible for other Energy Trust incentives if I participate in Savings Within Reach?

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.

I own a small multifamily property with four or fewer units and I am installing a ductless heat pump in one of the units and floor insulation in the entire building. Does this project qualify for Savings Within Reach incentives?

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.

How do I determine my household’s gross annual income to see if I qualify for Savings Within Reach?

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.

Can I participate in Savings Within Reach if my household income is below the minimum income level?

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.)

Who counts as a resident of my home?

Anyone reported as a member of your household on the IRS income tax return for the previous tax year.


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.