Attic insulation in Minneapolis–St. Paul
The Twin Cities have some of the strongest attic rebates we found anywhere, but both big programs share a catch: they won't pay for insulation alone. You have to air seal the attic too.12
Older homes
The median home was built in 1951 in Minneapolis and 1952 in St. Paul; about three in four predate 1980.3
Gas heat
70% of Minneapolis homes and 67% of St. Paul homes heat with utility gas, which decides which rebate you can use.3
Which rebate applies to you
It depends on who supplies the fuel that heats your home.
If Xcel Energy supplies your heat (gas or electric)
- Attic insulation: 40% of project cost, up to $1,200, if the attic starts at R-19 or less and ends at R-49 or more.1
- Air sealing: 40% of project cost, up to $600, with a blower-door test showing at least a 15% reduction in leakage (CFM50).1
- Air sealing isn't paid on its own, and insulation isn't paid without it. A participating contractor must do the work.1
- Bonus: $600 more if you install a rebate-qualifying heat pump within two years.1
- If Xcel supplies only your electricity and you have central air conditioning, a lower tier applies: up to $120 for attic insulation and $45 for air sealing.1
If CenterPoint Energy supplies your gas heat
- $750 for sealing all accessible attic air leaks, or $1,300 for air sealing plus insulation from R-30 or lower to R-49 or higher.2
- No rebate for insulation-only projects. A CenterPoint Rebate Eligible Installer must do the work, installed in 2026, with paperwork postmarked by December 31, 2026.2
The two programs have different starting-point rules (R-19 or less for Xcel, R-30 or lower for CenterPoint), so have the contractor measure what's there before you count on either. See the Twin Cities cost guide for worked examples.
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Most attics just need more insulation on top; new insulation doesn't have to match the old type.4 Removal makes sense when the old material is damaged by fire, water or pests, or is hazardous, and it exposes the attic floor for air sealing, which both rebates require. HomeGuide puts removal at $1 to $2 per square foot nationally.4
How much insulation?
ENERGY STAR recommends R-60 for an uninsulated attic, or adding R-49 where there are already 3 to 4 inches, in climate zones 4A/4B through 8.6 The Twin Cities rebates both set R-49 as the finish line.12 Blown-in insulation to R-49 needs a minimum thickness of about 16.5 inches.7
Choosing an attic insulation company in the Twin Cities
- Confirm rebate status first. Ask whether they're an Xcel participating contractor or a CenterPoint Rebate Eligible Installer, depending on your utility.12
- Ask for blower-door numbers. Xcel needs pre- and post-test results.1
- Get the R-values in writing, before and after, since both programs depend on them.
Areas we serve
We match homeowners across the Twin Cities area, including these communities and ZIP codes:
- Minneapolis55401 · 55402 · 55403 · 55404 · 55405 · 55406 · 55407 · 55408 · 55409 · 55410 · 55411 · 55412 · 55413 · 55414 · 55415 · 55417 · 55418 · 55419 · 55454 · 55455
- St. Paul55101 · 55102 · 55103 · 55104 · 55105 · 55106 · 55107 · 55108 · 55114 · 55116 · 55117 · 55119 · 55130 · 55155
- Bloomington55420 · 55425 · 55431 · 55437 · 55438
- Edina55424 · 55435 · 55436 · 55439
- Eden Prairie55344 · 55346 · 55347
- Minnetonka55305 · 55343 · 55345
- Plymouth55441 · 55442 · 55446 · 55447
- Maple Grove55311 · 55369
- Brooklyn Park55428 · 55443 · 55444 · 55445
- Coon Rapids55433 · 55448
- Blaine55434 · 55449
- Roseville55113
- Woodbury55125 · 55129
- Eagan55121 · 55122 · 55123
- Burnsville55306 · 55337
- Lakeville55044
ZIP codes are 2020 Census ZIP Code Tabulation Areas, which closely approximate USPS ZIP codes. We list ZIPs that make up a substantial share of each community, so edge ZIPs that barely touch a town are left out, and some ZIPs span two towns.8 Not on the list? Send the form anyway, and we'll tell you if we can help.
Common questions
Does Xcel Energy give a rebate for attic insulation in Minnesota?
Yes, for customers whose heat comes from Xcel: 40% of project cost up to $1,200 for attic insulation, plus 40% up to $600 for air sealing. Both must be done together by a participating contractor.
Can I get a CenterPoint rebate for insulation only?
No. CenterPoint's 2026 program pays $750 for attic air sealing, or $1,300 for air sealing plus insulation, and nothing for insulation alone.
How much attic insulation do I need in Minnesota?
ENERGY STAR recommends R-60 for an uninsulated attic in zones 4A/4B through 8, or R-49 added to 3 to 4 inches of existing insulation. Both Twin Cities rebates require ending at R-49 or more.
Is there still a federal tax credit for insulation?
No. The IRS says the credit covers improvements made through December 31, 2025.
General information summarized from the public sources listed below. It isn't professional, engineering or legal advice. Codes and programs change; confirm current requirements with your local building department or utility before you start.
Sources
- Xcel Energy, "Minnesota 2024–2026 Residential Rebate Summary" (PDF)
- CenterPoint Energy, "2026 Air Sealing and Insulation Rebate Application" (Minnesota, CNP-1110, PDF)
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, tables B25035 (median year built), B25034 (year built), B25003 (tenure), B25040 (house heating fuel)
- HomeGuide, "Attic Insulation Cost" (national figures, Jan. 13, 2026)
- U.S. EPA, "Protect Your Family from Asbestos-Contaminated Vermiculite Insulation"
- ENERGY STAR, "Recommended Home Insulation R-Values"
- HomeGuide, "Blown-In Insulation Cost" (national figures, Nov. 5, 2025)
- U.S. Census Bureau, 2020 ZIP Code Tabulation Area relationship files