Florida runs no state heat pump program, having declined its federal allocation, and the federal 25C and 25D credits ended December 31, 2025, which leaves the incentive conversation entirely to the utilities. For most of Duval, that means JEA: $200 for an ENERGY STAR air-source heat pump, central AC, or ductless mini-split, with a program window running October 2025 through September 2026, which puts the current cycle's deadline weeks away as this is written. A heat pump water heater collects $350 as a separate measure, and a premise may take at most two rebates per product type every seven years. The numbers are modest by design, because Florida's arithmetic never needed subsidy: the machine is the air conditioner here, and the air conditioner was always the bill. This guide maps the money, the deadline, the edges of the territory, and the reason the project clears without any of it.
The Map in One Table
| Program | 2026 amount | Condition |
|---|---|---|
| JEA heat pump, AC, or mini-split | $200 | ENERGY STAR; JEA electric customers; window Oct 2025 to Sep 2026 |
| JEA heat pump water heater | $350 | Separate measure; same premise rules |
| JEA frequency rule | Two per product type | Per premise, every seven years |
| Florida Power & Light | $200 instant credit | SEER2 15.2+ full system; through a Participating Independent Contractor |
| Duke Energy Florida | About $200 | ENERGY STAR heat pump; confirm current amount |
| Federal 25C/25D | Ended December 31, 2025 | Everywhere |
The Window, Read Honestly
JEA's rebate runs on a program year, October 2025 through September 2026, and the honest reading in August is that the current cycle is nearly over. That fact deserves neither panic nor neglect. It does not justify rushing a specification: $200 should never compress the load calculation into a walk-through glance, per our contractor guide. It does justify one procedural step: if your project is already specified and quoted, confirm the filing lands inside the window, and if the project is months away, ask what the next cycle offers before letting any bidder quote this one's terms as permanent. A program year is a fact about paperwork, not a reason to buy the wrong tonnage.
The Seven-Year Rule, the Sheet's Quiet Clause
JEA caps rebates at two per product type per premise every seven years, a clause that matters more than its size suggests. A house that collected on a mini-split in a recent cycle may have one claim left; a duplex owner electrifying unit by unit needs to plan the sequence; and a flipped house's rebate history belongs to the premise, not the buyer. The clause takes one call to check and belongs in the quote conversation, because a contractor who promises the $200 without asking about the premise's history is quoting money that may not exist. The mechanics live in our JEA guide.
The Edges of the Territory
Northeast Florida's meters do not all read JEA. Toward Palm Coast and parts of the southern and western edges of the carve, Florida Power & Light serves, and its offer works differently: a $200 instant credit at SEER2 15.2+ on a full system, applied at the point of sale through a Participating Independent Contractor, which folds the rebate into contractor selection the way midstream programs always do. Duke Energy Florida serves other pockets and pays about $200 on an ENERGY STAR heat pump, confirmed at quote time. Elsewhere in the state the utility map runs richer, Tampa Electric's top tier reaches $550 at SEER2 16.2+ and the Orlando Utilities Commission scales to $1,150 by tonnage and efficiency, but none of that money crosses a territory line. The program follows the bill, always.
Why the Project Clears Without the Rebate
The First Coast asks a heating system for a short winter that still shows up, design nights around freezing, and a cooling system for a long, humid season that runs the equipment most of the year. The machine is the air conditioner; the air conditioner was already the biggest line on the electric bill; and the replacement dollar was being spent the next time a compressor died in July anyway. Against the strip heat wired into much of the older stock, the operating arithmetic clears in four figures over the machine's life with no subsidy at all, per our fuel comparison. Two hundred dollars is a pleasant final line on arithmetic that already stood, never the reason a project happens.
The Housing Stock Angle
The programs read the same while the projects differ. The historic core, Riverside Jacksonville, Avondale, San Marco, Springfield Jacksonville, Murray Hill, and Ortega, carries the older stock where usable ducts thin out and electric resistance hides behind renovations, the strongest operating case in the metro and natural territory for ductless conversions. The postwar and newer rings, Mandarin, Arlington Jacksonville, Southside Jacksonville, Baymeadows, and out to Orange Park and Fleming Island, carry ducted stock where the common project is a changeout triggered by a summer failure. The Beaches, Jacksonville Beach, Neptune Beach, Atlantic Beach, add the salt-air clause: placement and coastal-duty options belong in any bid written within reach of the ocean, priced in our installation cost guide.
The Stale Quote Test
The short map still filters contractors. A 2026 First Coast quote citing the federal tax credit as live money is stale on its face, since those credits ended December 31, 2025. A quote promising Tampa Electric or OUC money on a JEA meter has misread the service map. A quote carrying the JEA $200 with no mention of the program window or the premise's rebate history has skipped the two conditions that decide whether the money exists. The bidder who states the map as this page states it has passed an honesty test before any equipment is discussed.
Renters and Landlords
The metro's rental stock carries much of its most expensive heat and cooling: strip heat and window units in subdivided historic houses, tired equipment in apartment belts. The rebate follows the owner who buys the equipment, but the operating case reads identically for both parties: a large cooling improvement through the region's longest season, cheaper heat in the short winter, and a property that rents better for both. A tenant's cheapest move is forwarding this page to whoever holds the deed.
Collecting Cleanly
The checklist is short and territory-first. Confirm which utility bills your meter: JEA across most of Duval, FPL or Duke toward the edges. On a JEA meter, confirm the premise's rebate history against the seven-year rule, confirm the filing lands inside the program window, and price the $350 water heater line if the project can carry it. On an FPL meter, confirm the contractor is a Participating Independent Contractor, because the instant credit cannot arrive any other way. Everywhere, get the expected amount as a named line, ask who files, and keep the invoice with the confirmation as the paper trail.
The Short Version
JEA pays $200 on an ENERGY STAR heat pump, AC, or mini-split, with a $350 water heater line as a separate measure, a two-per-product-type-per-seven-years rule at the premise, and a program window that closes in September 2026. FPL's $200 arrives as an instant credit through participating contractors; Duke's $200 gets confirmed at quote time. No state program, and the federal credits ended December 31, 2025. The project clears on the cooling math regardless. Confirm by meter, check the window and the history, name the line, and spend your real attention on the sizing.
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