Investing in energy efficiency upgrades is one of the most practical ways to lower utility bills, improve home comfort, and reduce environmental impact—all at once. Simple improvements like insulation, water heat pumps and efficient heating and cooling systems help homes use less energy while maintaining healthier, more stable indoor conditions.
These upgrades can make a meaningful difference by easing financial strain and increasing resilience to extreme weather. On average, U.S. households spend about $2,000 a year on energy, and simple upgrades like insulation and air sealing can reduce those costs by around 10–15%—or more dramatic savings between 20% and 50% if older technology is replaced like baseboard heating.
By making energy efficiency more accessible through free or low-cost services, Seeds for the Sol helps ensure that everyone can benefit from safer, more affordable, and sustainable homes.
Proper insulation is the foundation of an energy-efficient home. Without it, even upgraded heating and cooling systems lose efficiency—wasting money and reducing comfort. Well-insulated homes maintain more stable temperatures year-round, lowering energy costs and reducing system strain. Insulation also helps dampen outside noise, with additional savings opportunities available for income-qualified households.
Program eligibility is not solely based on income level, but there are increased savings opportunities for lower income households.
Upgrading or installing a high-efficiency heat pump system provides both heating and cooling while using significantly less energy—typically reducing HVAC energy use by 10–30% or more. Unlike traditional furnaces, which are usually 80–95% efficient (meaning some energy is lost in the heating process), heat pumps can be 200–400% efficient because they transfer heat rather than generate it. This results in lower energy bills, more consistent indoor temperatures, improved air circulation, and better humidity control—creating a more comfortable home year-round while reducing overall system demand.
Program eligibility is not solely based on income level, but there are increased savings opportunities for lower income households.
Upgrading to a heat pump water heater can significantly reduce energy use and costs by using up to 2–3 times less electricity than traditional electric water heaters. For many households, that translates into $100–$300 in annual savings, depending on usage and local energy rates. These systems are highly efficient because they transfer heat rather than generate it, while also providing consistent hot water and helping lower overall household energy demand.
Program eligibility is not solely based on income level, but there are increased savings opportunities for lower income households.
We cannot guarantee a no-cost upgrade, and you will be responsible for any remaining cost after incentives are applied. If the remaining cost is a financial barrier, you may be eligible for a zero-interest loan. If you qualify for one of our loans, Seeds for the Sol will pay the installer the upfront cost and provide you with a payback schedule. To learn more about this opportunity, contact .
| Household Size: | Annual Income Maximum: |
|---|---|
| 1 person | $66,854 |
| 2 people | $87,424 |
| 3 people | $107,994 |
| 4 people | $128,564 |
| 5 people | $149,134 |
| 6 people | $169,704 |
| 7 people | $173,562 |
| 9 people | $177,418 |
Go to Step 3:
Find out if you qualify for utility based incentives
If your household income fits within this chart, we can help with increased savings opportunities. Program eligibility is not solely based on income level. Sign-up for an HEA for more info.
Go to Step 3:
Find out if you qualify for utility based incentives
If you are a customer of the utilities below, you may qualify for increased incentives based on income level. If you are not, we can also provide guidance about the funding options available for your utility.
Not sure who your energy provider is? Use the “Find Your Utility” tool on Oregon.gov.
Seeds for the Sol focuses on the counties listed below, but we can provide guidance about the funding options available for your county.
Go to Step 5:
Sign Up for a Home Energy Assessment
