Heat Pump (Ducted)

Energy-efficient system providing both heating and cooling year-round.

Cost
$4,100-$9,200
Efficiency
15-22 SEER2 / 8-13 HSPF2
Lifespan
15-20 years
Annual Cost
$600-$2,000

About Heat Pump (Ducted)

Air-source heat pumps provide both heating and cooling by transferring heat between indoor and outdoor air using refrigerant. They are 2-3x more energy efficient than gas furnaces in moderate weather and qualify for significant federal tax credits. Modern cold-climate models work effectively down to -15F.

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Pros

  • Both heating AND cooling in one system
  • Most energy-efficient HVAC option
  • 2-3x more efficient than gas for heating in moderate temps
  • Federal tax credit up to $2,000
  • Lower carbon emissions than fossil fuel heating
  • Excellent dehumidification
  • Variable-speed models provide precise comfort

Cons

  • Higher upfront cost than AC alone
  • Efficiency drops in extreme cold (standard models)
  • May need backup heat in very cold climates
  • Slightly higher maintenance costs
  • Requires ductwork
  • Outdoor unit can be noisy in heating mode

Best For

  • Moderate climates (Southeast, Mid-Atlantic, Pacific Northwest)
  • Homeowners wanting one system for heating and cooling
  • Replacing old oil or propane heating systems
  • Those seeking federal tax credits
  • Environmentally conscious homeowners
  • New construction
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Popular Heat Pump (Ducted) Brands

CarrierTraneLennoxDaikinMitsubishiBosch

Frequently Asked Questions

Do heat pumps work in cold climates?

Modern cold-climate heat pumps work efficiently down to -15F. Models from Mitsubishi (Hyper-Heat), Bosch, and Daikin are designed specifically for northern climates.

What is the federal heat pump tax credit?

The IRA provides a 30% tax credit, up to $2,000, for qualifying heat pumps (2023-2032). The system must meet CEE Tier efficiency requirements.

Heat pump vs gas furnace - which costs less to run?

Heat pumps cost less in moderate climates where they operate at high efficiency. In very cold climates, a dual-fuel system (heat pump + gas backup) often provides the lowest operating costs.

System Capabilities

HeatingYes
CoolingYes
Maintenance/yr$150-$350
Operating/yr$600-$2,000
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Estimate Your Cost

Use our calculator to estimate Heat Pump (Ducted) costs for your home.

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