Midwest Energy (Gas and Electric) - How$mart Energy Efficiency Finance Program (Kansas)

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Last modified on February 12, 2015.

Financial Incentive Program

Place Kansas

Name Midwest Energy (Gas and Electric) - How$mart Energy Efficiency Finance Program
Incentive Type Utility Loan Program
Applicable Sector Commercial, Fed. Government, Local Government, Multi-Family Residential, Nonprofit, Residential, State Government, Must be a Midwest Energy Electricity or Gas Customer in Good Standing
Eligible Technologies Building Insulation, Caulking/Weather-stripping, Central Air conditioners, Custom/Others pending approval, Doors, Duct/Air sealing, Heat pumps, Windows, HVAC equipment and thermal shell improvements
Active Incentive Yes

Implementing Sector Utility
Energy Category Energy Efficiency Incentive Programs
Amount not specified

Maximum Incentive not specified

Terms Residential Rate: 3.0%

Commercial Rate: 4.5%
Residential Repayment: up to 16 years
Commercial Repayment: up to 10 years

Program Administrator Midwest Energy
Website http://www.mwenergy.com/howsmart.aspx
Date added to DSIRE 2008-12-19
Last DSIRE Review 2012-09-19
Last Substantive Modification
to Summary by DSIRE

References DSIRE[1]


Midwest Energy offers its residential and small commercial electricity and natural gas customers in good standing a way to finance energy efficiency improvements on eligible properties. Under the How$mart on-bill financing program, the utility will pay the initial cost of making energy efficiency improvements, then recoup the cost of these improvements through a surcharge on the customer's bill. The surcharge is designed to never exceed 90% of the projected energy savings associated with the improvements. It allows customers to make efficiency improvements with no up-front costs.

In order to participate in the program, customers must first have an energy audit performed by a Midwest Energy specialist. The audit will identify cost-effective improvements which the customer may then have completed by a participating contractor. The audit will be free of charge if the customer participates in the program. Customers who elect not to participate will be billed $200 for the audit.

Interest rates vary slightly depending on whether the customer is residential or non-residential and whether a low-cost source of financing (such as Efficiency Kansas) can be accessed through the program. Terms are up to 16 years for residential customers and up to 10 years for commercial customers. Customers are permitted to make payments buying down the initial cost of non-economic improvements to bring them within the program cost-effectiveness requirements. The program is available to both renters and building owners, although renters must have permission from landlord. In the event that the owner or tenant moves, the surcharge remains attached to the location where the improvements were performed as long as there is proper written disclosure.

Other program variations are available including How$mart Light for commercial lighting improvements (7-year maximum term) and How$mart GT for geothermal loops (30-year maximum term.) Please see the program web site or contact Midwest Energy for additional details, restrictions, and participation criteria.

Incentive Contact

Contact Name Kay Unruh
Department Midwest Energy

Address 1330 Canterbury

Place Hays, Kansas
Zip/Postal Code 67601
Phone (800) 222-3121
Phone 2 (785) 625-1474

Website http://www.mwenergy.com/Default.aspx

  • Incentive and policy data are reviewed and approved by the N.C. Solar Center's DSIRE project staff.[1]


  1. 1.0 1.1  "Database of State Incentives for Renewables and Efficiency (DSIRE)"