10/22/2026
Before you spend anything on making this house warmer, find out who is paying for part of it.
October is when people start thinking about heating costs and start getting quotes, and it is also when most of them skip the step that changes the math. There are rebate and incentive programs running in most of the Charlottesville Area and the surrounding region, at the municipal, provincial or state, and federal levels, and they usually stack. People find out about them afterward, which is the one time they do not apply.
The other thing worth knowing is that this work does not all return the same way. Air sealing is the least exciting item on the list and the best return, because it costs a fraction of anything else and you feel it immediately. Attic insulation is next, because that is where the heat you paid for goes. Heat pumps carry the largest incentives right now and the largest cost, which is exactly why the rebate changes the decision.
New windows are the one to be careful with. They are wonderful, they are expensive, and the payback on energy savings alone is long. Replace them when they are failing, not to save on heat.
Look up your programs before you book a single quote. The order matters.