Find All EV Incentives in Your Area

Yes — stacking is what's left of EV savings in 2026. Federal purchase credits expired September 30, 2025 and the home charger credit (Section 30C) expired June 30, 2026, so the layers now are: (1) your state rebate or tax credit, (2) utility company rebates, (3) any local or air-district program, and (4) the OBBBA auto loan interest deduction (up to $10,000/yr of deductible interest on American-made EVs, 2025–2028). On the figures in the tool above, a Colorado buyer stacking a new EV reaches about $5,450, and an income-qualified Californian buying used reaches about $16,500. Both are maximums that assume you qualify for every condition, and most buyers will not. Note also that some programs are alternatives rather than additions — Colorado's Vehicle Exchange rebate does not simply stack on top of the state credit for most buyers, which is why the tool lists it separately instead of adding it in.

The federal EV purchase credit (Section 30D) expired September 30, 2025 and is no longer available for new buyers. However, the new OBBBA auto loan interest deduction is an above-the-line deduction — you don't need to itemize and there is no tax liability requirement. Many state rebates are also direct rebates paid regardless of tax liability. Drive Clean (NY) and Charge Up NJ are applied at the dealership — no tax filing needed.

Yes, but only in some states, and almost always with an income test. The federal used EV credit (Section 25E, up to $4,000) expired September 30, 2025 and nothing replaced it. What is left is state and utility money, verified as of August 30, 2026:

Colorado — up to $6,000. Not from the state tax credit, which is new vehicles only. It comes from Vehicle Exchange Colorado, raised from $4,000 on November 3, 2025 specifically to offset the federal credit ending. You need household income under 80% of area median income, and you must trade in an operational petrol or diesel car that is model year 2014 or older (or one that failed a Colorado emissions test). Paid at the point of sale by an authorised VXC dealer, after approval — never afterwards, and never on a private-party purchase. Used EV price cap $50,000, one per tax household.

Connecticut — $5,000 for a used BEV or fuel-cell vehicle, $3,000 for a used PHEV, through CHEAPR Rebate+ Used. Income under 300% of the federal poverty guideline, or you live in an environmental-justice or distressed municipality. The catch is the eligible-vehicle list: current model year plus the previous three, and the car must have had an original MSRP of $50,000 or less. Connecticut dealer or Tesla only, apply within 45 days.

Massachusetts — $3,500, rising to $6,000 with the income-qualified adder and a trade-in, through MOR-EV Used. Purchase price capped at $40,000, licensed Massachusetts dealership only, BEVs and fuel-cell vehicles only — used PHEVs are excluded.

California — $1,000, or $4,000 if income-qualified, from PG&E, SCE or SDG&E's Pre-Owned EV Rebate. This is the rare one that accepts private-party purchases. PG&E has said the $1,000 standard tier closes to new applications on September 30, 2026, after which it is income-qualified only. Californians scrapping an older car may do better through Clean Cars 4 All, up to $12,000 in a disadvantaged community, and first-time buyers can get $1,750 off a certified pre-owned EV under $25,000 through MyFirstEV.

Washington — up to $2,000, but only in Clark County, from Clark Public Utilities. Income-qualified, car must cost between $5,000 and $20,000, private-party purchases accepted. The statewide Instant Rebate is closed.

New York, Texas and Florida have no used-EV purchase rebate at all. Drive Clean is new vehicles only. Texas and Florida offer charger money and small utility credits — Orlando's OUC pays $200 and accepts a private-sale bill of sale.

Two honest caveats. Every amount above is a maximum that assumes you meet every condition, and most buyers won't. And we have no evidence about how these programs behave in practice — neither research pass found reliable reports of used-EV applications actually approved or denied in 2026, or how long payment took. Confirm with the program administrator before you commit to a purchase.

They vary enormously, and after the federal credits ended in September 2025 the income-qualified programs are where most of the remaining money sits. Of the states we verify: Colorado's state tax credit has no income limit but is new-vehicle only, while Vehicle Exchange Colorado — the one with real money in it — requires household income under 80% of area median income. California's Clean Cars 4 All and the Driving Clean Assistance Program cap at 300% of the federal poverty guideline, which is $99,000 for a household of four in 2026. Connecticut's CHEAPR Rebate+ uses the same 300% threshold, or residence in an environmental-justice or distressed municipality. Massachusetts MOR-EV+ uses tax-filing thresholds instead — $150,000 filing jointly, $112,500 head of household, $75,000 otherwise. Washington's income-qualified statewide rebate no longer exists; the Clark County utility program uses gross monthly income, roughly $3,912 for one person. The OBBBA loan interest deduction has no stated income cap. Always check the specific program — these thresholds move.

The One Big Beautiful Bill Act (signed July 4, 2025) ended the $7,500 IRA credit and replaced it with an annual auto loan interest deduction of up to $10,000/year through 2028. It applies to new American-made vehicles financed with a qualifying loan. Unlike the old credit, you don't need to itemize deductions. The home EV charger installation credit (Section 30C, up to $1,000) also expired, on June 30, 2026 — if your charger was installed on or before that date you can still claim it on your 2026 return using Form 8911, but new installations no longer qualify. See our Federal EV incentives 2026 guide for full details.

The $7,500 federal EV purchase credit expired September 30, 2025 and is no longer available for new vehicle purchases. The replacement OBBBA loan interest deduction requires the vehicle to be new, assembled in the United States, and financed with a qualifying loan originated between January 1, 2025 and December 31, 2028. There is no vehicle price cap stated for this deduction. Cash buyers do not qualify.

Application processes vary by program. Federal tax credits are claimed on your tax return using Form 8936. State rebates often require online applications with proof of purchase and residency. Utility programs may require enrollment before purchase. Our state-specific pages provide detailed application instructions for each program.