What your home upgrade really costs
Four questions, and we’ll show what the grants cover, what the work costs and what you’d be left paying.
Independent, and nothing to do with SEAI. Worked out from the public rating file of . Nobody outside has reviewed the method yet — what that means.

Tell us about your home
Your cert may say B2 — that's a B on the new scale.
A heat pump runs on electricity. Pick "Heat pump" if you have one.
A 1990s detached house on oil, rated CEnergy rating C
- Grants you’d get
- €12,500
- It costs about
- €16,500
- You pay
- €4,000 – €4,500
- Saves you each year
- about €820
- Pays for itself in
- about 7 years
The commonest home on file — 47,829 like it. Change an answer above for yours.
Modelled, not observed payments. Middle case €4,519; a quarter of these homes are over €8,930. Repaid in 7–13.4 years. Confidence 0.9.
Show what’s included
This is the job list that suits most homes like yours (4 in 10). The money above is the middle of every route we priced, so it will not add up to this list exactly.
Is the house warm enough to hold the heat? — SEAI's test before they'll fund a heat pump. The insulation steps are usually what gets you through.
Heat Loss Indicator ≤ 2.3 W/K·m² after fabric works. 29% of homes like yours already pass. Assessment about €276, grant €350 through a One-Stop-Shop.
Costs about €280 · grant €350 · the grant covers it

Heat pump — replaces the boiler, runs on electricity, pulls heat from the outside air. An outdoor unit the size of a large suitcase, bigger radiators in some rooms, three to five days. Runs cooler for longer — the house feels even, not blasted.
Air-to-water, SPF 3.5 heating / 2.5 hot water. Cost €16,832 · grant €6,500 + €4,000 (replacing oil/gas/coal) + €2,000 pipework + €700 controls = up to €13,200 · you pay from €3,632. 9.8c per kWh of heat vs gas 14.4c / oil 18.0c.
Costs about €16,500 · grant €6,500 · you pay €10,000
The paperwork — assessment first, grant approval, then the work, then a new energy cert, then the grant is paid. A One-Stop-Shop does all of it and takes the grant off the bill.
Order is mandatory — work started before approval is not eligible. Energy cert €276, assessment grant €350 through a One-Stop-Shop. Typically 3–6 months end to end (estimate).
Costs about €280 · grant €350 · the grant covers it