The Federal Tax Credit is in effect for 2009 and 2010. Insulation must be installed in your principal residence between January 1, 2009 and December 31, 2010. You can install the insulation yourself and still get the tax credit. Tax credits are available at 30% of the cost, up to $1,500 total, in 2009 & 2010 (ONLY for existing homes, NOT new construction, which is your principal residence).
Recommended insulation levels for retrofitting existing wood-framed buildings

| Zone | Add Insulation to Attic | Floor | |
| Uninsulated Attic | Existing 3–4 Inches of Insulation | ||
| 1 | R30 to R49 | R25 to R30 | R13 |
| 2 | R30 to R60 | R25 to R38 | R13 to R19 |
| 3 | R30 to R60 | R25 to R38 | R19 to R25 |
| 4 | R38 to R60 | R38 | R25 to R30 |
| 5 to 8 | R49 to R60 | R38 to R49 | R25 to R30 |
Reference
Insulation is generally one of the easiest improvements to implement and in colder climates provides a real ROI within a short time. Typical bulk insulation products can qualify, such as batts, rolls, blow-in fibers, rigid boards, expanding spray and pour-in-place. Products that air seal (reduce air leaks) can also qualify, as long as they come with a Manufacturer's Certification Statement. These products include weather stripping, spray foam in a can, caulk and house wrap.