Is a heat pump
worth it for your home?
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.
ZIP codes, city+state (e.g. "Fairbanks AK"), or full addresses all work. Used only for weather data and electricity rates — never stored.
Select your utility for a more accurate electricity rate and rebate information.
Without ductwork, a heat pump requires a mini-split system — affects both cost and which models apply.
Your fuel or electric bill during the coldest month.
Your electricity bill during your hottest month.
Solar owners often heat at near-zero marginal cost with a heat pump — dramatically changes the economics.
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.
A spring or fall bill helps us separate cooling costs from baseline usage. If blank, we estimate from your square footage and local rate.
Only needed if your utility isn't listed above. Find your effective rate on your bill: total $ ÷ total kWh.
Enter your address above — insulation will be estimated from your area's median building age (Census ACS data). Poor insulation increases heating needs ~20%. Good insulation decreases them ~15%.
Heating oil & propane: ~4–5%/yr avg (EIA 2000–2024). Natural gas: ~3–4%/yr. Fossil fuel prices are driven by global commodity markets.
US retail electricity has averaged ~3%/yr (EIA, nominal). CA/NE have seen 5–8%/yr recently.
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.
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.
Want a second opinion? Rewiring America's Electrification Planner offers whole-home electrification estimates including appliances, EV, and solar.
• 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.