Not tax or financial advice
This guide is general information for Florida homeowners, not tax or financial advice. Tax rules and utility rebate programs change and depend on your situation — confirm current details with a licensed tax professional and your utility (such as FPL) before making decisions.
What happened to the federal HVAC tax credit in 2026?
It ended. Under the federal tax law enacted in 2025, the 25C Energy Efficient Home Improvement Credit and the 25D Residential Clean Energy Credit terminated for systems placed in service after December 31, 2025 — so there's no federal HVAC tax credit for a system installed in 2026.
For years, those credits helped offset the cost of efficient heat pumps, AC systems, and related upgrades. If you installed a qualifying system on or before December 31, 2025, you may still be able to claim it on your 2025 return — but that depends on your situation, so verify with a tax professional.
So what savings actually exist in 2026?
Plenty — just not from the federal government. Your real levers in 2026 are utility rebates, manufacturer promotions, financing that spreads the cost, and the efficiency savings a modern system delivers every month.
- Utility energy-efficiency rebates (for example, FPL programs).
- Manufacturer and seasonal promotions on qualifying equipment.
- 0% or low-interest financing to avoid a large up-front bill.
- Lower monthly energy use from an efficient, right-sized system.
Florida utility rebates (FPL and others)
Florida utilities such as FPL run residential energy-efficiency programs that can include HVAC-related rebates. These programs and their amounts change regularly, so the key is to confirm what's active at the time you buy.
Confirm current programs
Rebate names, eligibility, and dollar amounts vary by utility and change over time. For the exact programs and amounts available to your address right now, [GATHER: current FPL / local Brevard utility HVAC rebate program names and dollar amounts]. Check your utility's website or ask us — we'll point you to any rebate your equipment and utility currently qualify for. We never quote a rebate figure we can't verify.
Manufacturer and seasonal promotions
Equipment makers and contractors often run limited-time promotions — instant rebates, bundled maintenance, or upgraded warranties — especially around peak cooling season.
These come and go, so the best move is to check what's live before you buy. See Anna's current promotions for any active offers. [GATHER: current manufacturer rebates / Anna's seasonal promotions to feature here].
Financing: how the math works
When a system fails, financing turns one big bill into manageable monthly payments. Anna's offers financing through Service Finance Company, including 0% plans for up to 60 months on approved credit.
With a true 0% plan, you pay no interest as long as the balance is paid within the promotional term — so a $9,000 system spread over 60 months is about $150 a month with no added interest cost (illustrative math; your terms depend on credit approval and the amount financed). It's often the difference between reacting to a breakdown in a panic and replacing on your own schedule. Explore the details and apply on our financing page.
The biggest savings: efficiency and right-sizing
In Florida, the largest long-term savings don't come from any single rebate — they come from running an efficient, correctly sized system across an 8–10 month cooling season.
A modern high-SEER2 system that's sized right for your home — paired with regular maintenance — lowers your dominant cooling bills month after month. That's why the repair-or-replace decision matters so much; see our AC repair vs. replacement guide.
How to stack your savings in 2026
Put it together in this order before you buy:
- 1. Check your utility (e.g., FPL) for any active HVAC rebate on your address.
- 2. Ask about current manufacturer promotions and Anna's specials.
- 3. Use 0% financing so cost isn't the reason you delay a needed replacement.
- 4. Choose an efficient, right-sized system — the savings that compound over years.
- 5. Keep it maintained to protect efficiency and lifespan.