Oil-to-Heat Pump Conversion in Massachusetts
At Endless Energy, we convert Massachusetts homes from oil heat to cold-climate heat pumps, with one in-house team handling the whole job. Our licensed HVAC technicians, electricians, and plumbers design the system, install it, and remove your oil equipment.
Since 2013, we’ve installed close to 10,000 heat pumps across the state, and most of them went into homes that had burned oil since they were built. Book a free consultation to decide if a full oil-to-heat-pump conversion makes sense for your home, and we can walk you through the Mass Save® rebates we can take off your price upfront.
Why Massachusetts Homeowners Are Leaving Oil This Winter
Massachusetts heating oil averaged $6.25 a gallon in late 2026, a roughly 73% increase from last year. At that price, a single 150-gallon delivery for your basement tank costs more than $900 before fees.
Oil heating costs more than other fuels because you have to pay for each delivery in one lump sum. Most oil-heated homes refill five to seven times a winter, and changing prices mean nobody knows what the next delivery will cost.
Heat pumps run on electricity, so you don’t have to worry about any costs besides your monthly Eversource, National Grid, or Unitil bill. All three local utility companies now offer a seasonal heat pump rate that lowers delivery charges on your whole bill from November through April, and homes that install through Mass Save® are enrolled automatically.
Heat Pump vs. Oil: Operating Cost Comparison
Most homes that switch from an oil boiler or furnace to a properly-sized cold-climate heat pump see significantly lower heating costs. The total difference depends on your insulation, the system’s sizing, your electric rate, and your current oil use.
Here’s an example of how heat pump vs. oil heat costs can compare:
- A home that burns 800 gallons of oil a winter at $6.25 per gallon spends around $5,000 on fuel.
- A heat pump that needs 9,000 to 10,800 kWh to deliver the same heat would cost around $2,500 to $3,000 for the season at an electric rate of 28 cents per kWh.
Full Conversion or Keep Oil as Backup?
You can replace oil completely with a whole-home heat pump or add a heat pump and keep your oil boiler or furnace for the coldest days. The right choice depends on the condition of your oil system and if you’re ready to convert to all-electric heating.
A full Massachusetts oil-to-heat pump conversion qualifies for a larger Mass Save® rebate and cancels your oil deliveries for good. The heat pump becomes your only heating system, and we remove and disconnect your oil system.
Keeping oil as backup costs less upfront, but you’ll still have to schedule oil deliveries and annual tune-ups. Your heat pump will heat the house through most of the winter, and oil only runs when temperatures drop to 30°F or below.
Ducted, Ductless, or Both: Options for Every Home
We install ducted, ductless, or combination heat pumps based on your home’s heating system. If your home already has a forced-air duct system, we can likely reuse it. Older homes with radiators or baseboard heat are often better off with ductless units.
We have options for every Massachusetts home, including:
Ducted heat pumps:
These systems connect to your existing ductwork and replace your oil furnace or boiler with a heat pump.
Ductless heat pumps:
Using a single outdoor unit and individual indoor units, ductless systems heat and cool room by room.
Many homes use ducts on the main floors and ductless systems in finished attics, additions, or sunrooms where ductwork doesn’t reach.
What Happens to Your Oil Tank
Once your heat pump is running, we can arrange removal of your oil tank and old equipment. We schedule the removal around your installation and handle the permit and inspection process. We’ll empty and clean the tank before it leaves your property and make sure the fire department signs off on the removal.
If you’re installing a partial-home setup, your oil tank will stay in place to fuel your backup system. You’ll still get oil deliveries and require annual tune-ups for both systems.
Rebates: Install by Dec 31 for 2026 Amounts
Mass Save® heat pump rebates are changing in 2027. Whole-home heat pump systems installed by December 31, 2026 qualify for a Mass Save® rebate of $2,650 per ton, up to $8,500. For installs on or after January 1, 2027, that drops to $2,350 per ton, up to $7,500.
As a member of the Mass Save® Heat Pump Installer Network, we make sure your system meets the requirements. We take eligible rebates off your price upfront and file the paperwork for you, so you don’t have to wait around for the check.
To qualify for 2026 amounts, your installation must be complete by December 31. Schedule your consultation as early as possible to allow time for weatherization and installation before the deadline.
Our Conversion Process, Start to Finish
We handle the entire oil-to-heat pump conversion process, including the energy assessment, weatherization, installation, and removal of your oil equipment. Here’s how it works.
- Book the consultation: One of our specialists visits your home to look at your oil system, ductwork or radiators, electrical panel, and insulation, then walks you through the full conversion.
- Review the proposal: We’ll recommend a system based on your load calculator, explain your rebate amount, and walk you through your financing options.
- Complete weatherization: If your home needs insulation or air sealing to qualify for the whole-home rebate, our crew handles it through Mass Save®.
- Install the heat pump: Our technicians, electricians, and plumbers handle the installation, with most jobs taking one to four days.
- Oil tank removal: We remove or disconnect the oil equipment or install integrated control if you’re keeping oil as backup.
- Testing and walkthrough: We commission the system, file your rebate paperwork, and show you how to use your heat pump.
Converting From Propane? Same Process, Similar Savings
Propane-to-heat-pump conversions follow the same process and qualify for the same Mass Save® whole-home rebates for oil homes. We can also replace a propane water heater with a heat pump water heater to help you qualify for a $750 Mass Save® rebate.
Many Massachusetts homeowners keep propane as backup. Mass Save® caps the switchover temperature at 5°F for propane, so your heat pump can cover nearly the whole season, with propane only running on the coldest nights.
Financing and Current Offers
Our financing options help you spread out the cost of the conversion. The Mass Save® HEAT Loan offers 0% interest on eligible heat pump and insulation projects. We also offer GoodLeap loans and the Energy Saver Home Loan Program, and we can start your financing paperwork during the consultation.
We also run special offers throughout the year that can lower the cost of a new heat pump installation. Ask about our current promotions during your consultation, and we’ll explain what applies to your project.
Book a Heat Pump Consultation Today
Ready to stop paying for oil deliveries? Schedule a free consultation to discuss if a heat pump conversion is right for your home. Make sure to book soon to lock in 2026 Mass Save® rebate amounts before they drop on January 1.
Frequently Asked Questions
How much does it cost to convert from oil to a heat pump in Massachusetts?
The cost of an oil-to-heat pump conversion depends on the type of system you’re installing and whether you need a panel upgrade. We give you a written quote after your consultation so you know what to expect.
Will I need an electrical upgrade?
Some older oil-heat homes still have 100-amp service that may need an upgrade to power a heat pump. We check your panel during the consultation, and our licensed in-house electricians handle the upgrade as part of your install.
Do I need a Home Energy Assessment first?
Whole-home rebates require an assessment before installation. Your home has to meet Mass Save®’s weatherization requirements, and we can complete the no-cost assessment ourselves.
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