savings
Rebate Tracker
Attic Insulation Rebates in Plano, Frisco, Allen, McKinney, Richardson & Garland (2026-27)
Last verified: September 10, 2026. Every program below was read from the program's own website or its own application document on that date. We re-check this page each quarter (October, January, April, July).
Whether anyone will help pay for attic insulation or duct work in our service area depends on one question most rebate pages skip: who delivers electricity to your house. Across the six cities Trotter Air Services serves there are three answers to that question, and only one of them comes with an insulation incentive. Add a municipal program in Garland, a city program in Plano for older homes, a gas-utility program that covers furnaces but not attics, and a federal credit that ended after 2025, and the picture gets confusing fast. This page sorts it out city by city.
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Which Program Applies to Your City
Find your city, then confirm the utility. In Frisco, McKinney, Allen, and parts of Plano, two electric providers serve different streets, so the city name alone does not settle it. The next section shows how to check your bill.
| City | Who delivers your electricity | Program that may apply | What it can cover | Timing |
|---|---|---|---|---|
| Plano | Oncor for most addresses; CoServ in some areas | Oncor Home Energy Efficiency Program. Separately, the City of Plano Great Update Rebate for owner-occupied homes 30 years or older. | Oncor: attic, wall, or floor insulation, caulking, weather-stripping. City program: exterior improvements, with an ineligible list. | Oncor: typically February through November each year. City program: approval must come before any work or deposit. |
| Richardson | Oncor | Oncor Home Energy Efficiency Program | Insulation, caulking, weather-stripping, heating and cooling upgrades | Typically February through November |
| Garland | Garland Power & Light (municipal, not Oncor) | GP&L EnergySaver | Historically ceiling insulation and duct measures; confirm the current list on GP&L's application | Bill credits by program year, first come first served while funds last |
| Frisco | Oncor or CoServ, by address | Oncor program if Oncor delivers; nothing if CoServ delivers | As above for Oncor | As above for Oncor |
| McKinney | Oncor or CoServ, by address | Oncor program if Oncor delivers; nothing if CoServ delivers | As above for Oncor | As above for Oncor |
| Allen | Oncor or CoServ, by address | Oncor program if Oncor delivers; nothing if CoServ delivers | As above for Oncor | As above for Oncor |
| All six (gas heat) | Atmos Energy Mid-Tex (natural gas) | Atmos Mid-Tex rebates | Furnaces and smart thermostats. Not insulation, not ducts. | Program year July 1, 2026 through June 30, 2027 |
One more line for every city: the federal insulation tax credit is gone for 2026 work. Details on each of these follow.
What Happened to the Federal Insulation Credit
For three years the Energy Efficient Home Improvement Credit (the "25C" credit) covered a share of insulation and air-sealing materials on a federal tax return. The IRS page for the credit now states that it applies to qualifying property placed in service on or after January 1, 2023, and before December 31, 2025. Insulation installed in 2026 does not qualify. If you had attic work done in 2025, that job is still claimed on your 2025 return, not lost.
This matters for how you read other websites. Many contractor pages across North Texas still describe the federal credit as if it were available. It is not, which makes the utility and city programs below the only money on the table for a 2026 insulation project.
Oncor Home Energy Efficiency Program (Plano, Richardson, and Oncor Addresses in Frisco, McKinney, and Allen)
Oncor is the electric delivery company for Plano, Richardson, and most of Frisco, McKinney, and Allen. Its Home Energy Efficiency Program is the one insulation incentive with real reach in our service area. Here is what Oncor's own program page says, and what it leaves to the contractor:
- Who qualifies - Homes must have Oncor as their electric delivery provider. Homeowners and renters with the owner's permission may participate.
- What it covers - Attic, wall, or floor insulation, caulking, and weather-stripping, along with heating and cooling upgrades. Oncor says incentives may cover all or some of the project cost.
- How the money moves - Oncor pays the incentive to an approved participating service provider, not to you. The provider applies it to your project. There is no homeowner rebate form.
- When - Oncor states the residential programs typically run from February through November of each year. The program is funded by an annual budget, so late-season projects can find the money already committed. If an attic project is on your list, do not wait for the first freeze.
Two things Oncor's consumer page does not publish: the technical rules for how little insulation an attic must have to qualify, and the testing the provider performs after the work. Those rules exist and the enrolled provider applies them, so treat any specific R-value threshold you read on a contractor's website as something to confirm for your attic, not a promise. The one question to ask any insulation contractor in an Oncor city, ours included, is whether they are currently enrolled as an Oncor participating service provider for this program. If the answer is no, the work can still be excellent, but there is no Oncor money attached to it. Call us and we will tell you plainly where we stand for the current program year.
CoServ Addresses in Frisco, McKinney, Allen, and Plano: No Efficiency Rebate
CoServ is an electric cooperative that serves pockets of Frisco, McKinney, Allen, and Plano. Its energy-saving programs page is direct about it: "CoServ does not currently offer incentives or rebates for solar or other energy efficiency upgrades." CoServ does offer free energy assessments to its members and a smart-thermostat demand-response credit, but nothing that helps pay for attic insulation or duct work.
How to tell which one you have
Look at your electric bill. If CoServ bills you directly for your electricity, you are a CoServ member. If you buy electricity from a retail provider and the bill breaks out delivery charges from Oncor, you are in Oncor territory and the program above applies. Neighbors on the same street can differ, so check the bill rather than assuming from the city name.
Garland Power & Light EnergySaver (Garland)
Garland is the one city on our list with its own municipal utility, and Garland Power & Light runs its own EnergySaver program instead of Oncor's. Its published measure list has historically included ceiling insulation, duct sealing, duct insulation or replacement, and duct leakage testing, paid as bill credits on a first come, first served basis inside a program year that ends when the budget is spent or the year closes, whichever comes first.
We could not read GP&L's program page directly on our verification date (the site blocked automated access), so we are not printing amounts, minimum R-values, or the current program-year dates here. Read the current EnergySaver application on gpltexas.org before the work is scheduled, because municipal programs typically require the application within a short window after installation and require a licensed contractor. When you call us about a Garland attic, we will walk through the current application with you before quoting the job. See our Garland service page for the rest of what we do there.
Atmos Energy Mid-Tex: Furnaces and Thermostats, Not Attics
Atmos Energy delivers natural gas across all six cities, and its Mid-Tex rebate program is real money for gas-heated homes, just not for insulation. For the program year of July 1, 2026 through June 30, 2027, the residential list on Atmos's own page is: a $300 rebate for an ENERGY STAR natural gas furnace at 90 percent AFUE or higher, $350 at 95 percent AFUE or higher, $75 for an ENERGY STAR smart thermostat, and a range of water heater and clothes dryer rebates. Applications must be submitted within 12 months of installation with a copy of your Atmos bill and the contractor's invoice, and they are processed only while program funds last.
Several third-party rebate websites claim Atmos pays for attic insulation or duct sealing. Its Mid-Tex page lists no such measure for residential customers. If your furnace is at the end of its life, this is the program that helps; see our furnace installation page. If the attic is the problem, look to Oncor, GP&L, or the city program instead.
The City of Plano Great Update Rebate (Homes 30 Years or Older)
A large share of Plano's housing was built in the 1980s and 1990s, which means the city's Great Update Rebate now reaches a lot of the homes we work in. The program is run by Plano Neighborhood Services, and its residential agreement sets these terms:
- The home - Single-family houses, duplexes, townhouses, and condominiums qualify. The house must be 30 years or older, owner-occupied (no rentals), and current on taxes and insurance. The appraised market value must be at or below 85 percent of the FHA single-family mortgage limit for Collin County; the city asks you to contact staff for the current figure.
- The project - Exterior improvements qualify, with an ineligible list (pools and water features, detached structures, carports, garage enclosures, and others). Interior work qualifies only from the city's approved mobility and accessibility list. The improvement investment must be $20,000 or more, and the maximum rebate is $5,000 per property in a 12-month period.
- The order of operations - Nothing may start before the city issues a Notice to Proceed. The agreement is explicit that a deposit, down payment, or purchased material counts as starting, and a project started early is ineligible. Work must finish within four months of starting unless the city grants an extension.
The agreement does not name attic insulation, HVAC equipment, or roofing as eligible or ineligible on its own; it defines eligibility as exterior improvements minus the ineligible list. Before you count on this rebate for an attic or equipment project, confirm the specific scope with the Great Update Rebate coordinator at Plano Neighborhood Services and get the Notice to Proceed in hand. We are glad to write our proposal in the format the city needs.
Paying for Attic Work Without a Rebate
If your address is CoServ, if Oncor's budget for the year is spent, or if the project falls outside the city program, the attic still needs to be fixed before winter. Trotter Air Services offers financing through Service Finance on qualifying projects, with the application handled online; the details are on our financing page. Pairing a top-up of blown-in insulation with an equipment replacement is also a common way to get one financed project instead of two.
Whichever way it is paid for, the work itself is the same: measure the attic, air-seal the ceiling plane, protect the soffit intake, and bring the insulation to the ENERGY STAR target for our climate zone. Our pre-winter attic checkup guide walks through what that looks like in a 1980s or 1990s Plano attic, and our spray foam page covers the sealed-attic alternative. If dust is blowing from the registers after an insulation job, the duct cleaning page explains when cleaning is actually the fix.
Frequently Asked Questions About Attic Insulation Rebates in Plano, TX
It depends on the program. Oncor pays its incentive to the enrolled participating service provider, so there is no homeowner application; the contractor handles it and applies it to your project. Garland Power and Light's EnergySaver and the City of Plano Great Update Rebate are homeowner applications that you submit, and the Plano program must be approved before any work or deposit. Atmos rebates are also submitted by the homeowner, within 12 months of installation.
Maybe not. Oncor's program has a rule about how little insulation an attic must have before it qualifies for the insulation incentive, and that threshold is applied by the enrolled provider rather than published on Oncor's consumer page. An attic that already has a partial layer can fall above the line even though it is still well short of the ENERGY STAR target for our climate. The honest answer is to have the depth measured; if the incentive does not apply, the top-up is still worth doing for the winter heating bill, just without the subsidy.
Neither program's published rules say the other one disqualifies you, but neither says stacking is allowed either, and the Plano program only counts costs listed in its Notice to Proceed letter. Ask both before assuming: the Great Update Rebate coordinator at Plano Neighborhood Services for the city side, and the enrolled provider for the Oncor side. Get the answer in writing and keep the sequence right, because the city program disqualifies any project that starts before its approval.
Oncor's program language covers attic, wall, or floor insulation and air sealing without naming a material, so the enrolled provider determines whether a foam job meets the program's measure requirements. Garland Power and Light's program has been written around ceiling insulation levels, which is a blown-in style measure. The federal credit that once covered foam ended for 2026 work. If you are weighing foam against blown-in, our spray foam page explains where each one belongs; the rebate should inform the choice, not make it.
Not Sure Which Program Fits Your House?
Tell us your city and what your electric bill says. We will tell you which program applies, whether we can attach it to the job, and what the attic actually needs. Family-owned since 1970.
call 972-424-9233 Request an AssessmentVerified, Not Repeated
Every figure on this page came from the program's own site or agreement on the date shown at the top. When a program blocked us from reading it, we said so instead of copying another website. Three generations of the Trotter family have built this business on that kind of plain dealing. NATE-certified, BBB Accredited, Texas License TACLA50795E.
Your City
HVAC and attic services in Frisco, Allen, McKinney, Richardson, and Garland, from our Plano headquarters. More guides on our resources page.
