Tacoma's older housing stock means more comprehensive projects. Many North End and Stadium District homes need K&T remediation and panel upgrade before a heat pump can be added safely. That's not a downside — it's an opportunity to electrify the whole house at once on one permit.
The math:
- PSE rebate $1,200 instant — applies if you have PSE gas (most of Tacoma)
- Federal IRA tax credit Up to $2,000
- Tacoma Power EV rebate Separate program for EV chargers (we apply it)
- Insurance discount Most carriers drop 5-10% after K&T remediation
For a 1,800 sq ft Stadium District 1920s craftsman doing the full electrification project (rewire + panel + heat pump), the 10-year net cost beats the do-nothing path by about $8,000 to $12,000 after rebates, credits, energy savings, and insurance discount for replacing K&T.
The exception: Tacoma is in Tacoma Power territory, not PSE for electricity. Some PSE rebates don't apply to Tacoma installs the same way. We confirm at consult.