Redo your heating — enter your address and energy bills for a personalized cost analysis powered by real local weather data, three heat pump options compared side-by-side, and every state and federal incentive you qualify for.
1
Your Home
ZIP codes, city+state (e.g. "Fairbanks AK"), or full addresses all work. Used only for weather data and electricity rates — never stored.
Keep existing heating as backup ❄ cold climate
Your location has extreme cold nights. This adjusts savings, carbon, and rebate eligibility for a dual-fuel setup.
sq ft
2
Current Heating & Cooling
Yes — I have ducts
No ductwork
Without ductwork, a heat pump requires a mini-split system — affects both cost and which models apply.
Central AC requires ductwork. Please change your AC type or ductwork selection.
3
Your Energy Bills — what you actually pay
$
Your fuel or electric bill during the coldest month.
$
Your electricity bill during your hottest month.
Upgrading an existing heat pump. Tell us your current unit's model and install year — we'll estimate its efficiency rating and calculate how much a modern cold-climate system would save you vs. running your existing one.
Check the label on your outdoor condenser unit, or your original install paperwork.
Used to estimate the efficiency of your existing system based on standards at the time.
Oil billing works differently. Unlike gas or electric bills, heating oil is paid per delivery — typically a few times a year. Enter what you actually see on your invoices.
$
Your typical delivery bill. We'll estimate gallons from the current local price.
× /yr
Most homes fill 3–6 times per year. Automatic delivery customers often fill 4–5×.
$
Loading regional average price…
$
Your electric bill in summer (cooling + base usage, no heating).
Estimated from your inputs
Implied annual spend
Propane billing works like oil. You're billed per delivery, not monthly. Enter what you see on your invoices.
$
Your typical delivery bill. We'll estimate gallons from the current local price.
× /yr
Most propane homes fill 3–5 times per year.
$
Loading regional average price…
$
Your electric bill in summer (cooling + base usage, no heating).
Estimated from your inputs
Implied annual spend
New Construction Mode
No existing heating bills needed. We'll estimate your home's heating and cooling load from your square footage, climate zone, and new-construction insulation standards (IECC 2021). Results will compare a heat pump against gas furnace, oil, propane, and electric resistance — so you can see the best option for your new home.
These inputs aren't required — reasonable defaults are used when left blank. They improve estimate accuracy.
A
Smart Thermostat
I have or will add a smart thermostat
Reduces estimated heat pump operating costs by 5% (ENERGY STAR cites 8–12%). If you already have one, your current bills already reflect its savings — this credits the additional optimization it provides for heat pump scheduling.
B
Current Heating System
No solar
I have solar
Planning solar
Solar owners often heat at near-zero marginal cost with a heat pump — dramatically changes the economics.
C
Add Heat Pump · Keep Existing Heating System
Keep existing heating system as backup
Models HP handling most days, existing system as backup on extreme-cold nights. Affects savings, carbon, and rebate eligibility — some programs (e.g. MA Whole-Home) require removing your existing system.
For most locations, this toggle has a small effect (backup rarely runs). In extreme-cold climates (Interior Alaska, northern Minnesota, upper Michigan), it materially changes the numbers. The toggle also auto-appears in the results section for locations where it matters most.
-30°F (trust HP fully)Model default40°F (use backup more)
Below this temperature, your existing heating system runs instead of the heat pump. Lower = more HP usage = more savings but may sacrifice comfort in extreme cold.
D
Ductwork Installation
Adding ductwork to a non-ducted home. If you're considering installing ductwork alongside your heat pump, enable this to see estimated ductwork costs in your results. This opens up ducted system options which are often more cost-effective than multi-zone mini-splits for whole-home heating.
No — mini-split only
Yes — show ductwork costs
Ductwork installation typically costs $2,200–$5,800+ depending on home size, foundation type, and your location. This cost is shown separately from the heat pump install estimate.
Not sure
Basement
Crawl Space
Slab on Grade
Basements are easiest to add ducts. Slab homes need chase walls or attic routing — typically $1,000–$2,000 more.
E
Electrical Panel
⚠ Panel upgrade may be required. Homes with 100-amp electrical service — common in pre-1980 homes nationally — often need an upgrade to 200-amp before a heat pump can be installed. This typically costs $2,000–$4,500 and is not included in rebate calculations. Check your breaker panel: if the main breaker reads 100A or less, budget for this cost. Some utilities offer rebates of $500–$1,200 toward panel upgrades through electrification programs.
No — I have 200A service
Yes — add ~$3,000 to install cost
Not sure
Panel load estimate
F
Billing Details
$
Used to separate cooling costs from baseline usage. If blank, we estimate from your home's square footage and local electric rate (EIA RECS 2020).
Electricity rate: Uses the EIA state average for your location by default. For better accuracy, select your utility below (when available) or enter your actual $/kWh rate from your bill.
Select your utility to use its specific rate instead of the state average. Most people know which company sends their electric bill. State averages update automatically from EIA monthly data; utility rates from EIA Form 861 (2023 annual) and utility tariff filings.
$/kWh
Leave blank to use your selected utility's rate, or the EIA state average if no utility is selected. For best accuracy, find your effective rate on your bill (total $ ÷ total kWh).
I'm on a time-of-use (TOU) plan
$/kWh
$/kWh
Check your utility bill or rate schedule for exact peak/off-peak rates. Off-peak typically runs 9 PM – 9 AM. Heat pump heating mostly uses off-peak power.
G
Home Insulation
Poor insulation increases heating needs ~20%. Good insulation decreases them ~15%. This affects both your current costs and heat pump savings.
H
Incentives to Include
State & Local Incentives
State utility and program rebates for your location
Federal Incentives
IRA 25C tax credit (repealed by OBBB Act, expired Dec 31 2025) and HEAR rebates — shown for completeness
I
Fuel Price Escalation
Model annual fuel price increases
Projects how rising oil/propane costs improve your heat pump payback over time
%/yr
Heating oil & propane: ~3–4%/yr avg (EIA 2000–2024). Natural gas: ~2–3%/yr. Fossil fuel prices are driven by global commodity markets.
%/yr
US retail electricity: ~1.5%/yr avg (EIA 2000–2024). CA/NE have seen 5–8%/yr recently. Higher rates narrow the payback advantage.
J
Climate Change Projection
Model climate warming over 15 years
As winters warm, heating needs decrease slightly each year while cooling needs increase. Based on NOAA climate trends. This is speculative — shown for directional insight only.
K
Temperature Bin Analysis
Show temperature bin analysis in results
Breaks down where your heating money goes by outdoor temperature range
These sections are optional — they add geothermal and water heater analysis alongside your air-source heat pump results.
G
Ground-Source (Geothermal) Heat Pump
Compare a ground-source heat pump for my home
Calculates loop sizing, costs, and shows how geothermal compares to air-source
Is this a new construction or under construction?
Saves ~35% on loop installation — excavation equipment is already on-site.
Open-loop systems need roughly 0.75 acres of pond per ton of capacity.
Not feasible for condos. Geothermal heat pumps require ground access for a buried loop or well. An air-source heat pump is the better option — see your results on the Basic tab.
Estimated Loop Requirements
Yes, I have the space
No / not sure
How geothermal works: A ground-source heat pump moves heat between your home and the earth via a buried loop. Because ground temperature stays 45–70°F year-round (unlike outdoor air), geothermal systems achieve COP 4.0–5.3 — significantly higher than air-source. The trade-off is higher upfront cost for the ground loop installation.
Include a desuperheater for hot water
A desuperheater captures waste heat from the GSHP refrigerant loop to preheat your water tank. Covers 50–70% of your annual hot water demand at near-zero operating cost — only $500–$1,500 added to the GSHP install.
H
Heat Pump Water Heater
I'm also interested in switching to a heat pump water heater
Adds a separate HPWH analysis alongside your space heating results
Hot water demand scales at ~20 gallons/person/day.
How we estimate water heating cost: Rather than using a fixed percentage, we calculate directly from your household's hot water demand (~20 gal/person/day at 120°F) using state-specific groundwater inlet temperatures (source: USGS via HydroFLOW; range 41°F in ND to 73°F in HI — national EPA average is 58°F). We apply realistic efficiency factors: 65% for gas/propane tank WH, 80% for oil-fired WH, 100% for electric resistance. This avoids the error of taking 18% of space heating cost, which significantly over- or under-estimates depending on fuel type and household size. For example, a 2-person household with a gas WH costs ~$190/yr to heat water; electric resistance costs ~$660/yr — a 3.5× difference our direct calculation captures correctly.
Your Personalized Estimate
Annual energy savings
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Payback period
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15-year net benefit
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Your Current System
Annual heating cost—
Annual cooling cost—
Future system replacement—
Annual energy total—
Mid-Range Heat Pump Recommended
Annual heating cost—
Annual cooling cost—
Install cost after rebates—
Oil tank removal (included above)—
Annual energy total—
❄
Bonus: Your heat pump includes air conditioning
💡 Electric heat tip: Electric homes often have higher winter base loads than gas homes (lighting, electronics, water heating all add up). If your non-heating baseline differs from our estimate, adjust the "Typical off-season electric bill" field in the Advanced tab for a more accurate heating cost estimate.
Time-of-Use Rate Applied
Insulation matters
Cash Flow Analysis▼
Cumulative Cost Over 15 Years
15-Year Cost
Annual Savings
All three heat pump options vs. your current system — includes upfront install after rebates
Heating Cost by Temperature: Heat Pump vs. Current Fuel
$
Financing Analysis
%
5 yr
10 yr
15 yr
20 yr
Where Your Heating Money Goes
Equipment Details▼
★
Compare Real Heat Pump Models — sized and priced for your home
Search & Compare Any Model — 76 heat pumps in our database
Already have a specific brand or model in mind? Search our database of 76 heat pump models and compare them side-by-side with detailed specs, efficiency ratings, and estimated costs for your location.
Side-by-Side Comparison
Clear comparison
Cold Weather Analysis▼
❄
Cold Weather Performance — based on your actual local data
Keep existing heating as backup
Assumes you keep your current system for extreme-cold nights. Adjusts savings, carbon, and rebate eligibility.
🌍
Ground-Source (Geothermal) Heat Pump Analysis
💧
Heat Pump Water Heater Options
Carbon Impact▼
🌿
Carbon Impact — your annual CO₂ emissions, before & after
$
Your Incentives & Rebates
Your household income
Federal HEEHRA rebates depend on household income relative to your area's median. Select your range to see adjusted rebate amounts in your payback estimate.
Thresholds based on your state's median household income (Census ACS). Actual eligibility may vary by county and household size — your installer can confirm.
Estimated incentives available to you right now
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Ready to get real quotes?
Find certified contractors in your area who can install qualifying systems and process rebates on your behalf. Get 2–3 quotes to compare.
• Heat pump heating efficiency calculated per model using HSPF2 rating. Annual heating energy derived from your peak winter bill calibrated against actual local heating degree days (a measure of how cold your winters are) for your specific address (not a state-wide average).
• Annual cooling energy derived from peak summer bill minus baseline, calibrated against actual local cooling degree days (a measure of how hot your summers are). Each model's SEER2 rating determines its cooling efficiency vs. your current AC.
• Install cost ranges are regionally adjusted using BLS May 2024 HVAC labor wage data (SOC 49-9021) for your state, calibrated to EnergySage Marketplace 2025 national averages and the Belfer Center/Harvard residential heat pump cost study (June 2024). NYC ZIP codes use subregion-specific labor rates. Get 2–3 quotes from certified contractors for accuracy in your area.
• Grid carbon intensity uses EPA eGRID 2023 state-level output emission rates (published March 2025). NYC uses the NYCW subregion rate. Fuel combustion CO₂ values use EIA/DOE emission factors per fuel type.
🛢
Oil Tank Removal
Switching from oil to a heat pump means decommissioning your old tank. Would you like to include removal costs in your estimate?
Skip — I'll keep using oil as backup
Partial-home install, oil stays for the coldest days
No removal cost
Above-ground tank removal
Standard basement or exterior tank, typically 275–500 gal
Est. $600–$1,800 · Midpoint: $1,200
Buried / underground tank
Requires excavation, possible soil testing if leaking