Last updated: September 16, 2026. Program details can change. Confirm current amounts and eligibility at myavista.com/getrebates.
Quick answer: Yes, for qualifying homes. If you're an Avista Utilities customer and your home qualifies for the Home Insulation Program, the rebate is applied upfront to your project price. You can then finance the remaining balance through USA Insulation's independent lending partners. That way you get the upgrade before winter and keep your out-of-pocket cost as low as possible.
If you've been putting off insulation because of the price, you're not alone. The good news for many Spokane and North Idaho homeowners is that insulation rebates and financing can work together. One lowers the price. The other spreads out what's left. Here's how the stack works, who it fits, and where the limits are.
Can you combine an Avista rebate with financing for insulation?
Yes, if your home qualifies for the rebate. The two come from different places and do different jobs:
Avista Utilities rebate |
Financing |
|
|---|---|---|
Who provides it |
Avista Utilities, through its Home Insulation Program |
USA Insulation's independent lending partners (not Avista Utilities) |
What it does |
Lowers the project price, up to 100% for qualifying homes |
Spreads the remaining balance into monthly payments |
Who qualifies |
Avista Utilities residential customers whose homes meet the program rules |
Based on the lender's approval |
When you see it |
Applied upfront to your price |
Set up before the work begins |
Income requirement |
None |
Set by the lender |
Because the rebate comes off the price first, you only finance what's left. For some qualifying homes, that remaining balance is small.
How does the savings stack work, step by step?
Think of it as three layers.
Step 1: Find out if your home qualifies for the rebate.
Avista Utilities says only about 10% to 30% of homes in its service territory qualify, based on how much insulation is already there. The home also has to meet a few basic rules:
- You're an existing Avista Utilities residential customer.
- It's your primary residence, in an existing single-family home or a duplex, triplex, or fourplex. New construction doesn't qualify.
- In Washington, the home is heated with Avista Utilities electricity or natural gas.
- In Idaho, the home is heated with Avista Utilities electricity. Natural gas heat doesn't qualify on the Idaho side.
- Your current insulation is below the program's starting level.
During your free in-home estimate, we measure the insulation in your walls and attic and take photos. That's how we tell you whether your home is likely to qualify.
Step 2: Let the rebate come off the top.
As an Avista Utilities approved installer, USA Insulation of Spokane-CDA can apply the rebate upfront to your project. You don't pay full price and wait for a check. Avista Utilities pays its share directly, and you pay the rest. Covered work includes attic, wall, floor, and crawl space insulation, plus duct insulation and duct sealing.
Step 3: Finance the balance if it helps.
If paying the remaining amount at once would strain your budget, financing lets you spread it out. Paying outright costs less overall, so financing makes the most sense when it's the difference between insulating this fall and waiting another winter.
Who are insulation rebates and financing a good fit for?
It tends to work well if:
- You're an Avista Utilities customer in an older home, especially one built before 1980, with thin or empty walls.
- You'd like the work done before the coldest months but don't want one large payment.
- You have rooms that never feel comfortable and bills that keep climbing.
It may not fit if your home already has decent insulation (it likely won't qualify for the rebate) or if you'd rather save up and pay in full.
What if you're not an Avista Utilities customer?
Plenty of homes in our service area get their power or heat from another utility, especially in parts of North Idaho and the rural areas outside Spokane. The Avista Utilities rebate doesn't apply to those homes.
You still have options:
- A free inspection so you know exactly what's in your walls and attic.
- Financing through USA Insulation's independent lending partners.
- Energy savings. ENERGY STAR estimates homeowners save about 15% on heating and cooling, on average, by air sealing and adding insulation.
Are there other insulation incentives in 2026?
Fewer than there used to be. Here's where things stand as of this update:
- Federal 25C tax credit: ended for work completed after December 31, 2025. It is not available for new projects.
- Washington state: the federal IRA Home Energy Rebates have not opened to the public yet. Lower-income households can look into the state's Weatherization Program.
- Idaho: the legislature declined federal home energy rebate funding in 2025, so there is no state home energy rebate program right now.
- Avista Utilities income-qualified help: Avista Utilities also runs a separate Home Weatherization Program for income-qualifying households. It works differently from the Home Insulation Program. We'll cover it in our next post.
"It costs more than we thought." What drives the price?
Every quote is built from your home's specifics:
- How many square feet of wall, attic, or floor need insulation
- How much insulation is already there
- Whether you need injection foam in the walls, blown-in attic insulation, air sealing, or a mix
- Your siding type (a sided home and a brick home are prepared differently)
- How easy the attic and crawl space are to reach
We explain each of these on your quote. If you're collecting more than one quote, that's smart. Compare the product being installed, what each company actually measured, how the install works, and how cleanup is handled.
How do you get started?
Book a free in-home estimate. We'll measure your current insulation, take photos, show you what we find, and check whether your home looks like a fit for the Avista Utilities rebate. Your e-quote arrives the same day or within 24 hours, with any rebate reflected and financing available if you want it. Most jobs are finished in one day.
Whether you live in Spokane, Spokane Valley, Hayden, or Coeur d'Alene, Idaho, stacking a rebate with financing can make this the fall you finally get warm.
FAQ
Can you combine an Avista rebate with financing for insulation?
Yes, for qualifying homes. The Avista Utilities Home Insulation Program rebate is applied upfront to your project price, and you can finance the remaining balance through USA Insulation's independent lending partners.
Do I have to wait for a rebate check from Avista?
No. Avista Utilities says the rebate is applied upfront to the cost of your upgrade. Avista Utilities pays its share directly, and you pay the rest.
Does my Idaho home qualify if it has natural gas heat?
Not for this program. In Idaho, the home must be heated with Avista Utilities electricity. In Washington, Avista Utilities electric or natural gas heat qualifies.
Is there an income limit for the Avista insulation rebate?
No. The Home Insulation Program has no income requirement. Your home does need to meet the program's rules, including having insulation below a set starting level.
Is financing provided by Avista?
No. Financing is offered through USA Insulation's independent lending partners. Avista Utilities is not involved in financing.
Is the federal insulation tax credit still available?
No. The federal 25C credit ended for work completed after December 31, 2025.
Build your savings stack. Get a quote.
Book a free in-home estimate. We'll measure what you have, take photos, check whether your home may qualify for the Avista Utilities rebate, and send your e-quote the same day or within 24 hours. USA Insulation of Spokane-CDA is an Avista Utilities approved installer, and financing is available through our independent lending partners.
Call 509-862-5655 or request your free estimate.
