EV Tax Credit Calculator by State 2027
See every state, utility, and local EV incentive you may qualify for in 2027 — based on your ZIP code, vehicle, income, and lease-or-buy decision. The federal credit ended Sept 30, 2025; this tool focuses on what remains and what is projected to carry into 2027.
Calculate Your 2027 Incentive Stack
All calculations run locally in your browser. No sign-up required.
Your 2027 Results
Enter your ZIP code and vehicle details above, then click Calculate My 2027 Incentives.
Program Breakdown (2027 Projection)
| Program | Level | Amount | Status |
|---|
Out-the-Door Estimate (2027)
| Item | Amount |
|---|
Lease vs Buy Comparison (2027)
| Scenario | Incentive Capture | Notes |
|---|
Nearby State Comparison (2027)
| State | Est. State + Utility | Difference |
|---|
How This 2027 Calculator Works
The calculator stacks three layers of incentives projected to remain available in 2027:
- State rebates — programs run by state energy offices (e.g., Colorado, New York, New Jersey, California). Several states have indicated continuation into 2027, subject to funding.
- Utility rebates — programs offered by your electric utility, often tied to charger installation or off-peak charging. Many are multi-year programs extending into 2027.
- Local / other programs — city, county, or regional incentives where available.
Some programs can be combined; others cannot. Where we know of stacking restrictions, we apply them. Where we do not, we flag the result as an estimate.
Frequently Asked Questions — 2027
Will the federal EV tax credit come back in 2027?
Under current law, the federal clean vehicle credit (§30D) and used clean vehicle credit (§25E) were eliminated for vehicles acquired after September 30, 2025. There is no enacted legislation restoring them for 2027. Any future change would require new legislation.
Which states are expected to offer EV rebates in 2027?
Several states have signaled continuation of EV incentive programs into 2027, including Colorado, New York, New Jersey, Massachusetts, and California (subject to funding). Program amounts and eligibility rules are subject to annual budget decisions. Enter your ZIP code above to see what our data layer projects for your state.
Is the new auto loan interest deduction still available in 2027?
The One Big Beautiful Bill Act (OBBBA) introduced a deduction for auto loan interest for certain vehicles, subject to income limits and other conditions. Whether it applies in 2027 depends on the statute's effective period and your eligibility. This calculator does not estimate that deduction — consult a tax professional.
Can I stack a state rebate with a utility rebate in 2027?
In many cases, yes — but not always. Some programs explicitly allow stacking; others prohibit it or reduce the amount if another incentive is used. Where we know of restrictions, we apply them. Always confirm with the program administrator for 2027 rules.
Will my utility offer EV charger rebates in 2027?
Many utilities have multi-year programs extending into 2027. Amounts vary from $50 to over $1,000 depending on the utility and charger type. Enter your ZIP code above and select your utility to see what our data layer projects.
Is leasing or buying better for capturing 2027 incentives?
It depends. Some state and utility programs apply only to purchases, while others apply to both. Lease pass-through of the federal credit is no longer relevant, but state and utility programs may still apply. The calculator shows a side-by-side comparison based on the programs in our data layer.
How accurate is the 2027 projection?
This calculator uses a static data layer of state, utility, and local programs projected to remain active in 2027. Programs change frequently — especially with annual state budget cycles — and some local programs are not included. Always verify with official sources before making a purchase decision.
Why does the calculator show $0 for my state in 2027?
Either your state does not currently offer a broad EV rebate program, or the program is not projected to continue into 2027, or it is not in our data layer. Some states offer only limited or income-capped programs. Check your state energy office for the most current information.
What changed between 2026 and 2027 for EV incentives?
The biggest change was already in place before 2026: the federal credit ended September 30, 2025. For 2027, the main shifts are at the state and utility level, where some programs are expanding (e.g., California's proposed $200M EV incentive package) while others face funding pressure. Our data layer is versioned so you can see what changed.
Does this tool provide tax advice for 2027?
No. This is an educational estimator. It does not provide tax, legal, or financial advice. Consult a qualified tax professional for your specific situation, especially regarding the OBBBA auto loan interest deduction and any state tax credits.
Methodology & Sources
Data in this calculator is drawn from publicly available program information and 2027 projections where programs have signaled continuation. Where possible, we cite the primary source. Users should verify current program rules directly.
- U.S. Department of Energy — Alternative Fuels Data Center (state and utility incentive summaries).
- Internal Revenue Service — historical §30D and §25E guidance (for pre-Sept 2025 purchases).
- State energy offices (e.g., Colorado Energy Office, NYSERDA, California Air Resources Board).
- Utility program pages (e.g., PG&E, Con Edison, Xcel Energy).
- Rewiring America — incentive data (where applicable, subject to licensing).
- State 2027 budget proposals and program continuation notices (where publicly available).
EV Tax Credit Calculator by State 2027: See Your Exact Savings
Last updated: September 2026
The federal EV tax credit is gone. Since September 30, 2025, the IRS Section 30D clean vehicle credit and Section 25E used clean vehicle credit no longer apply to new purchases. If you are planning to buy an electric vehicle in 2027, you are entering a very different incentive landscape — one where state rebates, utility programs, and local incentives are the only stack left.
This guide explains exactly how to calculate your total EV incentives for 2027, which programs remain active, how stacking rules work, and how to estimate your real out-the-door price. It also walks through the lease vs. buy decision, ZIP-level utility rebates, and the state-by-state differences that can mean thousands of dollars in savings.
Use the interactive calculator above to enter your ZIP code, vehicle, and income details for a personalized estimate. This article explains the methodology behind that calculator and what each result means.
Key Takeaways
- Federal EV tax credit is eliminated for vehicles acquired after September 30, 2025. There is no federal 30D or 25E credit for 2027 purchases under current law.
- State rebates remain the largest single source of EV incentives in 2027, with Colorado, New York, Massachusetts, and several other states offering $2,000–$3,500 per vehicle.
- Utility rebates are the most overlooked layer. Many utilities offer $500–$1,000 for charger installation or off-peak charging, but few buyers know to ask.
- Stacking rules matter. Some state and utility programs can be combined; others cannot. Applying the wrong stack can result in a rejected claim.
- Lease vs. buy changes incentive capture. Some state programs apply only to purchases; utility rebates often apply to both.
- Out-the-door price is what actually matters. MSRP plus taxes and fees minus all eligible incentives gives you a realistic purchase number.
- Programs change frequently. Always verify current rules with your state energy office, utility, and dealer before signing.
What Happened to the Federal EV Tax Credit?
For years, the federal clean vehicle credit was the anchor of EV purchase incentives in the United States. That changed with the One Big Beautiful Bill Act (OBBBA), signed into law in 2025.
The OBBBA Elimination (September 30, 2025)
The OBBBA eliminated the federal clean vehicle credit under Internal Revenue Code Section 30D for vehicles acquired after September 30, 2025. The used clean vehicle credit under Section 25E was also eliminated for vehicles acquired after that date.
Vehicles purchased on or before September 30, 2025 may still qualify under the prior rules if they met the battery sourcing, MSRP, and income requirements in effect at the time. For any purchase after that date — including all 2027 purchases — the federal credit is $0.
This is not a temporary pause or a funding lapse. It is a statutory elimination. Any future restoration would require new legislation.
What Replaced It? The New Auto Loan Interest Deduction
The OBBBA introduced a new deduction for auto loan interest for certain vehicles. Unlike the old tax credit, this is a deduction — it reduces taxable income rather than providing a dollar-for-dollar credit against tax owed.
The deduction is subject to income limits, vehicle eligibility rules, and other conditions. It is not an EV-specific program, and it does not function the same way as the eliminated 30D credit. This calculator does not estimate the auto loan interest deduction; consult a qualified tax professional for guidance on whether you qualify.
The practical effect for 2027 EV buyers is simple: the federal layer of the incentive stack is effectively zero. What remains is state, utility, and local programs.
How to Calculate Your Total EV Incentives in 2027
The 2027 incentive stack has three active layers. Each operates under different rules, and not all can be combined.
State Rebates
State EV rebates are administered by state energy offices, air quality agencies, or departments of transportation. They are the largest remaining single source of incentives in most states.
As of our 2027 data layer, the following states have active or projected programs:
| State | Estimated 2027 Rebate | Key Notes |
|---|---|---|
| Colorado | $3,500 | Income-capped state tax credit; expected to continue into 2027. |
| Massachusetts | $3,500 | MOR-EV program; 2027 continuation expected. |
| New York | $2,000 | NYSERDA Drive Clean rebate; expected to continue. |
| New Jersey | $1,500 | Charge Up NJ; 2027 continuation under review. |
| California | $2,000 | State EV incentive package proposed; subject to funding. |
| Oregon | $2,500 | Clean Vehicle Rebate; income-capped. |
| Connecticut | $2,250 | CHEAPR; 2027 continuation under review. |
| Vermont | $4,000 | Income-capped; 2027 expected. |
| Maryland | $3,000 | Excise tax credit; 2027 continuation expected. |
| Delaware | $2,500 | Subject to funding. |
| Rhode Island | $2,500 | RI DRIVE; income-capped. |
| Maine | $2,000 | Income-capped; subject to funding. |
| Minnesota | $2,500 | Income-capped; 2027 expected. |
| Pennsylvania | $2,000 | DEP rebate; funding subject to appropriation. |
Several states — including Texas, Florida, Georgia, Ohio, and Michigan — have no statewide EV rebate. In those states, utility rebates may be the only incentive available.
State rebates are often income-capped. For example, a program may phase out above a modified adjusted gross income (MAGI) threshold. The calculator flags whether your income may affect eligibility for income-capped programs.
Utility Rebates
Utility EV rebates are administered by electric utilities and are often tied to charger installation or enrollment in off-peak charging programs. They are the most overlooked layer of the incentive stack.
Common utility rebate structures include:
- Charger installation rebate: $250–$1,000 toward the cost of a Level 2 home charger.
- Off-peak charging credit: A per-kWh credit for charging during designated off-peak hours.
- Income-qualified enhanced rebate: Higher amounts for households below certain income thresholds.
Utility rebates are ZIP-code-specific. The calculator auto-detects your likely utility provider from your ZIP code, but you can override this if you know your provider. Major utilities with active programs include Pacific Gas & Electric, Southern California Edison, Con Edison, Xcel Energy, and PSE&G.
Not all utilities offer EV rebates. If your utility is not listed, check your provider's website directly or call their customer service line.
Local Programs
City, county, and regional programs exist in some areas but are highly variable. They may include additional rebates, free charging credits, or parking privileges. Because they change frequently and are not centrally documented, this calculator does not include local programs in its default estimate. The results include a flag reminding you to check locally.
Stacking Rules
Stacking means combining multiple incentives on a single vehicle purchase. Some programs allow it; others explicitly prohibit it or reduce the amount if another incentive is used.
Typical stacking scenarios:
- State + utility: Often allowed, but not always. Some state programs require that the vehicle not receive a utility rebate.
- State + local: Sometimes allowed; check the local program rules.
- Utility + utility: Rare; usually only one utility rebate applies per vehicle or per household.
Where we know of stacking restrictions, the calculator applies them. Where we do not, the result is flagged as an estimate and you should confirm with the program administrators.
State-by-State EV Incentive Comparison (2027)
The table below shows estimated 2027 state and utility incentives for selected states. These figures are based on our static data layer and reflect programs projected to remain active in 2027.
| State | State Rebate | Typical Utility Rebate | Estimated Combined |
|---|---|---|---|
| Colorado | $3,500 | $500 (Xcel Energy) | $4,000 |
| Massachusetts | $3,500 | Varies by utility | $3,500+ |
| New York | $2,000 | $500–$1,000 (Con Edison/NYSERDA) | $2,500–$3,000 |
| California | $2,000 (proposed) | $500 (PG&E/SCE) | $2,500 |
| New Jersey | $1,500 | $500 (PSE&G) | $2,000 |
| Oregon | $2,500 | Varies | $2,500+ |
| Connecticut | $2,250 | Varies | $2,250+ |
| Vermont | $4,000 | Varies | $4,000+ |
| Maryland | $3,000 | Varies | $3,000+ |
| Texas | $0 | Varies | Utility only |
| Florida | $0 | Varies | Utility only |
| Georgia | $0 | Varies | Utility only |
For a ZIP-level estimate that includes your specific utility provider, use the calculator above. The state-level table is a starting point, not a substitute for ZIP-level precision.
Lease vs Buy: Which Gets You More Incentives in 2027?
The lease vs. buy decision has always affected incentive capture, but the rules changed after the federal credit elimination.
Before September 30, 2025, leasing was often a way to capture the federal credit through the commercial clean vehicle credit (Section 45W), which had different eligibility rules. That dynamic is no longer relevant for new leases after the elimination date.
For 2027, the lease vs. buy comparison depends entirely on state and utility program rules:
| Scenario | State Rebate | Utility Rebate | Notes |
|---|---|---|---|
| Buy / Finance | Typically eligible | Typically eligible | Most programs are designed for purchases. |
| Lease | Often not eligible | Often eligible | Some state programs exclude leases; utility rebates frequently apply to both. |
The calculator shows a side-by-side comparison of estimated incentive capture under lease and buy scenarios. If you are considering a lease, confirm with the dealer and the program administrator whether the state rebate applies.
Key insight: In states with large rebates (Colorado, Massachusetts, Vermont), buying may capture significantly more incentive dollars than leasing. In states with no rebate, the lease vs. buy incentive difference is minimal.
Utility EV Charger Rebates by ZIP Code
Utility charger rebates are separate from vehicle purchase rebates. They cover the cost of installing a Level 2 home charger, which typically runs $500–$2,000 including equipment and installation.
To find your utility rebate:
- Enter your ZIP code in the calculator above.
- Check the auto-detected utility provider.
- If the provider is incorrect, select your actual utility from the dropdown.
- The results will show the estimated charger rebate amount, if available.
If your utility is not in the calculator's data layer, visit your utility's website and search for "EV charger rebate" or "EV program." Many utilities list their rebates under "electric vehicles" or "clean energy programs."
Out-the-Door Price: What You'll Actually Pay
Incentives reduce the price, but they do not eliminate taxes and fees. The out-the-door price is the realistic number you should use for budgeting.
The calculator estimates out-the-door price using this formula:
Out-the-Door = MSRP + Estimated Sales Tax + Estimated Fees − Total Incentives
Key assumptions in the calculator:
- Sales tax rate: 6% (varies by state and locality; some states exempt EV sales tax).
- Fees: $1,250 estimated for title, registration, and dealer documentation.
- MSRP: Based on 2027 model-year estimates for the selected vehicle.
Actual out-the-door price varies by dealer, state tax rules, local fees, and whether the dealer passes through utility or state rebates at the point of sale. Some rebates are applied as a point-of-sale discount; others require you to apply after purchase and receive a check or tax credit.
Frequently Asked Questions
Is the EV tax credit still available in 2027?
No. The federal clean vehicle credit under Section 30D and the used clean vehicle credit under Section 25E were eliminated for vehicles acquired after September 30, 2025. There is no federal EV tax credit for 2027 purchases under current law.
What replaced the EV tax credit?
The OBBBA introduced a deduction for auto loan interest for certain vehicles, subject to income limits and other conditions. It is not an EV-specific program and does not function as a dollar-for-dollar tax credit. Consult a tax professional for guidance.
Which states still offer EV rebates in 2027?
Several states have active or projected programs, including Colorado, Massachusetts, New York, California, New Jersey, Oregon, Connecticut, Vermont, Maryland, Delaware, Rhode Island, Maine, Minnesota, and Pennsylvania. Amounts and eligibility rules vary. Enter your ZIP code in the calculator for a state-specific estimate.
Can I stack state and utility rebates?
In many cases, yes — but not always. Some programs explicitly allow stacking; others prohibit it or reduce the amount if another incentive is used. Where we know of restrictions, the calculator applies them. Always confirm with the program administrator.
Does my utility offer EV charger rebates?
Many utilities do. Amounts range from $250 to over $1,000 for Level 2 charger installation. Enter your ZIP code in the calculator and select your utility to see what our data layer shows.
Is leasing an EV still worth it without the federal credit?
It depends on state and utility program rules. Some state rebates apply only to purchases; utility rebates often apply to both. The calculator shows a lease vs. buy comparison based on the programs in our data layer.
What is the new auto loan interest deduction?
The OBBBA introduced a deduction for auto loan interest for certain vehicles, subject to income limits and other conditions. It reduces taxable income rather than providing a tax credit. This calculator does not estimate that deduction.
How do I claim EV incentives on my taxes?
State rebates may be claimed as a credit on your state tax return or applied at the point of sale, depending on the program. Utility rebates are usually processed through the utility company, not your tax return. Follow the specific instructions for each program.
What is the best state to buy an EV in 2027?
States with large active rebates — Colorado, Massachusetts, Vermont, and Maryland — offer the highest combined incentives. However, income caps, vehicle eligibility, and residency requirements may affect your eligibility. Use the calculator with your actual ZIP code for a personalized estimate.
How accurate is the 2027 projection?
This calculator uses a static data layer of state, utility, and local programs projected to remain active in 2027. Programs change frequently, especially with annual state budget cycles. Always verify with official sources before purchase.
Methodology & Sources
Data in this calculator and article is drawn from publicly available program information and 2027 projections where programs have signaled continuation. Where possible, we cite the primary source.
Sources include:
- U.S. Department of Energy — Alternative Fuels Data Center (state and utility incentive summaries)
- Internal Revenue Service — historical Section 30D and Section 25E guidance (for pre-September 2025 purchases)
- State energy offices (e.g., Colorado Energy Office, NYSERDA, California Air Resources Board)
- Utility program pages (e.g., PG&E, Con Edison, Xcel Energy, PSE&G)
- Rewiring America — incentive data (where applicable)
- State 2027 budget proposals and program continuation notices (where publicly available)
Limitations: This calculator provides estimates for educational purposes only. It does not constitute tax, legal, financial, or purchasing advice. Incentive programs are subject to change, funding availability, income limits, MSRP caps, and dealer participation. 2027 program availability is a projection and not guaranteed. Local programs are not included in the default estimate.
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Conclusion
The 2027 EV incentive landscape is fragmented, state-specific, and easy to get wrong. The federal credit is gone, but state rebates, utility programs, and local incentives still add up to thousands of dollars in many parts of the country.
The key is to know your ZIP code, your utility, your vehicle, and your income situation — then calculate the stack before you walk into a dealership. Use the calculator above to get your personalized estimate, and verify every program with the official administrator before you sign.
If you are comparing lease vs. buy, use the lease vs. buy calculator. If you are planning a home charger, use the charger rebate calculator. And if you want the full picture of ownership costs, use the total cost of ownership calculator.
Disclaimer: This article and the associated calculator provide estimates for educational purposes only. They do not constitute tax, legal, financial, or purchasing advice. Incentive programs are subject to change, funding availability, and eligibility rules. Always verify current program details with the relevant state agency, utility, or tax professional before making a purchase decision.
Sources & References
- Congressional Research Service — Clean Vehicle Tax Credits: Changes Under the One Big Beautiful Bill Act — Official legislative analysis confirming the termination of the Section 30D credit for vehicles acquired after September 30, 2025.
- IRS Fact Sheet 2025-05 — Accelerated Termination of Energy Provisions Under OBBBA — Official IRS guidance addressing the modification of Sections 25C, 25D, 25E, 30C, 30D, 45L, 45W, and 179D.
- U.S. Department of Energy — Alternative Fuels Data Center: State Laws and Incentives — Primary federal database of state-level EV rebates, tax credits, and incentive programs, updated regularly.
- U.S. Department of Energy — Alternative Fuels Data Center: Utility Programs — Authoritative database of utility-administered EV charger rebates and off-peak charging programs by ZIP code.
- IRS — Guidance on the New Deduction for Car Loan Interest Under the One Big Beautiful Bill — Official IRS guidance on the qualified passenger vehicle loan interest (QPVLI) deduction, including the $10,000 annual limit and eligibility rules.