Installation of a heat pump: what financial aid is available in 2025?

In a context where the energy transition is becoming a priority, 2025 is shaping up to be a decisive year for homeowners wishing to renovate their homes. With an intervention budget of 4.4 billion euros allocated by the National Agency for Housing (Anah), it is essential to understand all the financial assistance available to you. This guide explores the available schemes, such as MaPrimeRénov’, the zero-interest eco-loan, and other subsidies that allow you to save money while improving the energy performance of your housing. Whether you are considering installing a heat pump or other renovation work, here’s what you need to know about the available aid in 2025.

MaPrimeRénov’: three pathways to renovate in 2025

MaPrimeRénov’ continues to play a central role in supporting energy renovation. This scheme is aimed at all homeowners, whether they are occupants or landlords, and is available in three pathways tailored to different types of projects.

Targeted renovation: focusing on specific works

This pathway allows for funding of specific interventions, such as thermal insulation or the replacement of heating systems. It is an ideal option for those looking to make improvements in stages.

Let’s imagine a household wants to replace its old fuel boiler with a heat pump. With an estimate of 12,000 €, they can benefit from aid of up to 5,000 €, depending on their income. Additionally, local complementary aids may significantly reduce the final cost of the work.

Extensive renovation: a comprehensive approach

For larger scale projects, this pathway requires at least two significant actions in terms of insulation. For example, a homeowner who enhances the insulation of their walls and roof, and who replaces their windows, could see a significant improvement in the energy performance of their home.

A previously conducted energy audit can be beneficial in identifying priority works. Often, a Renov’ guide can assist the owner at every step of modifying their housing.

Renovation in co-ownership: collective projects

This pathway is ideal for co-ownerships wishing to undertake collective renovations. It aims to improve the performance of common and private areas of collective interest, such as collective heating or building façade insulation.

A co-ownership opting for a heat pump for collective heating can benefit from significant funding, providing essential support to all co-owners.

Updated income ceilings: an essential criterion to maximize your aid

To benefit from aid, compliance with income ceilings is crucial. These ceilings help define what income category a household belongs to, influencing the amount of subsidies.

A couple with two children earning 43,000 € per year falls into the low-income category and can benefit from various funding for their energy improvement works.

• Anticipate the works in case of a change in personal situation.

• Combine local aids and MaPrimeRénov’ to maximize savings.

• Carefully check the RFR to avoid calculation errors.

New rules for gas boilers: a necessary transition

From 2025, the installation of gas boilers will no longer be eligible for funding as part of renovations. This new measure echoes the desire to reduce greenhouse gas emissions by encouraging the use of more ecological heating systems.

Transitional period: managing the transition

To accompany this evolution, a transitional period is established until 2026. This allows projects initiated before June 30, 2025, to benefit from funding, provided the file is submitted before September 30, 2025.

• High-performance gas boilers can still be financed if the project is voted on before the mentioned deadlines.

• Heat pumps and biomass systems become preferred solutions.

• Financial aids can reach up to 11,000 € for systems using renewable energy.

The zero-interest eco-loan: an advantageous financing option

In 2025, the zero-interest eco-loan, or éco-PTZ, remains an essential scheme for financing energy renovation works. It facilitates access to interest-free funds in a simplified manner.

Eligible expenses include not only works financed by MaPrimeRénov’, but also projects aimed at globally improving energy performance.

• Applications must be made before the commencement of the works.

• State partner banks allocate the loans.

• The works must be carried out by a RGE professional.

Complementary aids: reduced VAT and exemptions

In addition to MaPrimeRénov’ and the zero-interest eco-loan, several other aids can reduce the cost of energy renovations in 2025.

Reduced VAT: an immediate aid

The reduced VAT rate of 5.5% applies to energy renovation works, allowing homeowners to lighten the cost of their projects.

Property tax exemption

It is also possible to benefit from a property tax exemption for homes that have undergone renovation work. This can significantly reduce a household's charges.

• Check with your municipality if an exemption is possible.

• The works must improve energy performance by at least 30%.

• The duration of the exemption varies from three to five years according to the municipalities.

FAQ on financial aids available for the installation of a heat pump

1. Who can benefit from MaPrimeRénov’?
All homeowners, whether occupants or landlords, can apply for MaPrimeRénov’ for their energy renovation works.

2. What are the main conditions to benefit from the zero-interest eco-loan?
To benefit from the eco-PTZ, the works must be carried out by a RGE professional and concern your primary residence.

3. Are there specific aids for low-income households?
Yes, households with very low incomes can benefit from increased aids, such as higher subsidies for the installation of equipment like heat pumps.

4. Can subsidies be combined?
Absolutely, many aids, such as MaPrimeRénov’, the eco-PTZ, and other local schemes, are combinable to maximize the funding for the works.

5. Which heating systems are encouraged by aids in 2025?
Heat pumps and biomass heating systems are strongly encouraged, given their positive impact on the environment.