Get up to 170,000. Co -financing for home 2025 – check how to get them

In 2025, the thermomodernization of the house is not only a way for lower bills, but also a real chance of obtaining high funding from the state budget and EU funds. The “Clean Air” program offers up to 170 thousand. PLN subsidy, and the thermomodernization relief allows you to deduct from tax to 53 thousand. zloty. People investing in heat pumps or solar pumps can also count on support. The new regulations facilitate access to funds, but also introduce obligations that must be kept so as not to lose the right to help. We explain how to use them in accordance with the law.

Even 170 thousand PLN support for the modernization of the house. See what has changed in 2025

In 2025, owners of single -family houses have record -breaking financial support for investments to improve the energy efficiency of buildings. In the new installment of the “Clean Air” program you can gain up to 170 thousand. zloty. At the same time, there is a thermomodernization relief and the “My Ciepło” program, which allows you to reduce the costs of modern installations. Here is the most important information – reliably and in accordance with current regulations.

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“Clean air 2025” – up to 170 thousand PLN for a house with high energy consumption

The “Clean Air” program is the most important nationwide source of support for owners of single -family houses and separate premises with the land and mortgage register. Finaned, among others From the modernization fund, in 2025 it offers higher income thresholds and larger amounts of subsidy. The key change is the dependence of the amount of support on the energy efficiency of the building.

The maximum amount of the subsidy is up to PLN 170,000 – House owners with energy demand exceeding 140 kWh/m²/year.

What can be financed?

• insulation of walls, ceilings and roofs,

• replacement of windows and doors,

• installation of mechanical ventilation with recuperation,

• Installation of heat pumps, heating systems and photovoltaics.

Applications are accepted online or in paper. At every stage, you can count on the support of municipalities and WFOŚiGW.

From 2025, an energy audit has been in force before the start of work and the energy performance certificate after the investment is completed. Subsidies do not include gas boilers, although it is planned to be turned on again.

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Thermomodernization relief – up to 106 thousand PLN return in PIT

An additional instrument supporting the modernization of the house is thermomodernization reliefwhich allows you to deduct from income up to PLN 53,000 per person. In the case of marriages – co -owners of real estate – it is possible to deduct up to PLN 106,000.

The deduction is subject to, among others:

• purchases of thermal insulation materials,

• window and door joinery,

• heat pumps and heating installations,

• photovoltaics, energy magazines and wind micro -installations,

• Design and executive services, including energy audits.

To take advantage of the relief, keep invoices and take into account expenses in the annual PIT tax return. You can only deduct costs that were not previously covered by a subsidy – e.g. from “clean air”.

New 2025: The relief no longer covers expenses for gas and oil boilers and fuel tanks, while it includes new energy management technologies.

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“My warm” – up to PLN 21,000 for a heat pump in a new home

The “My warm” program is addressed to the owners of new single -family houses. Finances the purchase and installation of heat pumps – both air and ground – with low energy demand (EP to 55 kWh/m²/year).

Subsidy amount:

• up to 30% or 45% of eligible costs,

• no more than PLN 21,000.

Applications can be submitted through the website of the National Fund for Environmental Protection and Water Management. The recruitment lasts until the end of 2026 or until the funds are exhausted.

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Local subsidies – it is worth checking what the commune offers

They operate in many cities and municipalities Local support programssupplementing nationwide subsidies. They may include co -financing for the exchange of heat sources, modernization of heating systems or renewable energy sources installations.

Where to look for information?

• on the websites of city and commune offices,

• in local environmental protection departments,

• at consultation points of the “Clean Air” program.

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How to effectively get funding in 2025?

Plan your step by step actions:

1. Make an energy audit – This is currently a mandatory first step.
2. Check the income thresholds and the energy efficiency of the house.
3. Choose a program that best suits your situation.
4. Collect invoices and documentation – This is the basis for settlements.
5. Fill out the application online or submit it to the Fund branch.
6. Remember about the energy certificate after completing work.

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In 2025, owners of single -family houses have a special chance to carry out comprehensive modernization with the support of public funds. “Clean air”, thermomodernization relief and “my warmth” are programs that allow a real improvement in the energy efficiency of buildings, and thus – a significant reduction in CO₂ heating and emission costs.

The legal grounds for support programs, including “clean air” and “my heat”, are found in legal acts and regulations announced by National Fund for Environmental Protection and Water Management (NFOŚiGW). Detailed conditions for the recruitment of applications, the catalog of eligible costs and document templates are available in the NFOŚiGW Public Information Bulletin and on the program website.