Minnesota’s packed with ways to save on new heating and cooling systems. Think: heat‑pump rebates from the state, upcoming HOMES incentives for whole‑house efficiency, plus extra cash‑back from local utilities like Xcel and CenterPoint when you install high‑efficiency furnaces or heat pumps. Stack those with the 30 % federal tax credit and you’re looking at serious savings. Just remember—program details change, so hang on to your receipts, double‑check requirements with your contractor, and run the numbers with a tax pro to be sure everything adds up.