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    • Home
    • Heating
      • Furnaces
      • Heat Pumps
      • Baseboard Heaters
      • Space Heaters
      • Radiant Panel Heaters
      • Floor Heating
      • Boilers
    • Ventilation
      • Ceiling Fans
      • Attic Fans
      • ERVs
      • Whole House Fans
      • Swamp Coolers
    • Air Conditioning
      • Central Air Conditioners
      • Window AC Units
      • Mini Splits
      • Portable AC Units
    • Humidity
      • Humidifiers
      • Dehumidifiers
    • About
    • Contact
  • Home
  • Heating
    • Furnaces
    • Heat Pumps
    • Baseboard Heaters
    • Space Heaters
    • Radiant Panel Heaters
    • Floor Heating
    • Boilers
  • Ventilation
    • Ceiling Fans
    • Attic Fans
    • ERVs
    • Whole House Fans
    • Swamp Coolers
  • Air Conditioning
    • Central Air Conditioners
    • Window AC Units
    • Mini Splits
    • Portable AC Units
  • Humidity
    • Humidifiers
    • Dehumidifiers
  • About
  • Contact
heat pump outdoor unit on elevated stand outside a tan brick house
Smart HVAC USA

Heat Pumps

Heat pumps steal warmth from outside air and dump it inside your house during winter. Summer flips the process around: they grab indoor heat and kick it outside like any air conditioner.

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How Heat Pumps Work

Cold air from your house flows into the indoor unit where refrigerant coils warm it up, then a fan pushes that heated air back through your ductwork. Outside, a compressor squeezes refrigerant until it gets hot. Inside, coils and a blower do the work. Your thermostat tells everything when to heat or cool.

Types of Heat Pumps

Air Source Heat Pumps

Ground Source (Geothermal) Heat Pumps

Ground Source (Geothermal) Heat Pumps

Best for:

  • Houses in areas where winter rarely drops below 20°F

Pros:

  • Cheaper to run than baseboard heaters and electric furnaces
  • One system handles heating and cooling duties
  • No gas burning means zero chance of carbon monoxide poisoning

Cons:

  • Performance drops when it gets really cold outside
  • Cold areas need backup heating systems

Price range: $4,500-$8,500 installed

Ground Source (Geothermal) Heat Pumps

Ground Source (Geothermal) Heat Pumps

Ground Source (Geothermal) Heat Pumps

Best for:

  • People with big yards who plan to stay put for years
  • Areas with expensive electricity

Pros:

  • Works the same whether it's 90°F or -10°F outside
  • Cheapest heating bills you'll ever see
  • Runs 20+ years without breaking down much

Cons:

  • Extremely expensive to install
  • Someone has to dig up your yard or drill deep holes

Price range: $15,000-$25,000 installed

Ductless Mini-Split Heat Pumps

Ductless Mini-Split Heat Pumps

Ductless Mini-Split Heat Pumps

Best for:

  • Houses with no ductwork or new room additions
  • Small and older homes

Pros:

  • Skip the ductwork completely
  • Control each room's temperature separately
  • High efficiency ratings

Cons:

  • Indoor units stick out from your walls
  • Multiple units needed for whole-house coverage

Price range: $3,000-$5,500 per zone installed

Dual-Fuel Heat Pumps

Ductless Mini-Split Heat Pumps

Ductless Mini-Split Heat Pumps

Best for:

  • Cold areas where regular heat pumps can't handle winter alone
  • Areas with rare below-freezing weather

Pros:

  • Heat pump efficiency when it's mild outside
  • Gas furnace kicks in when temperatures drop
  • Switches between fuel sources automatically

Cons:

  • Dxpensive choice upfront
  • Two different systems to fix when they break

Price range: $6,000-$12,000 installed

What Features Actually Matter

heat pump air handling unit inside a residential basement

SEER and HSPF Ratings

SEER and HSPF numbers tell the real story about your heating and cooling bills. SEER measures cooling efficiency - anything below 16 SEER wastes money on summer electric bills. HSPF measures heating efficiency, and you want 8.5 HSPF minimum. For cold climates, go 10+ HSPF or don't bother upgrading. High-efficiency models can cut your bills by 25% compared to basic units.

Variable-Speed Compressors

Basic compressors work like old light switches – full blast or nothing. Variable-speed compressors adjust output to match what your home actually needs. They run longer cycles at gentler speeds, which gives you steadier temperatures and better humidity control. Buy variable-speed if your budget allows. Your electric bills can drop $300-$500 annually.

Cold Climate Performance

Standard heat pumps lose capacity when outdoor temperatures drop. At 20°F, most units only produce 60-70% of their rated heating capacity. Cold climate heat pumps use enhanced vapor injection to maintain heating output down to -15°F. Working with manufacturers taught me that cold climate models cost $1,000-$2,000 more but prevent expensive backup heat from running. Test data shows they maintain 75% capacity at 5°F while standard units drop to 40%.

Backup Heat Requirements

Air source heat pumps need backup heating when outdoor temps drop too low. Electric resistance strips are common but expensive to run - like giant toasters inside your ductwork. Gas furnace backup costs more upfront but cheaper to operate. I've seen installations where homeowners wanted heat pumps but needed gas backup because their electric service couldn't handle resistance strips. This affects operating costs and equipment selection.

Top Brands Worth Your Money

Carrier

Mitsubishi

Carrier

Working in the HVAC industry showed me reliability data with fewer Carrier warranty claims than other brands in the $5,000-$8,000 range. Their Greenspeed models handle cold weather better than most competitors.


Popular models:

  •  25VNA4 Greenspeed series
  • 25VNA6 Greenspeed series

Known for:

  • Cold climate performance and quiet operation
  • Strong dealer network across the country
  • Good warranty protection

Best fit: Homeowners in northern climates who want reliable year-round heating

Trane

Mitsubishi

Carrier

My work with manufacturers showed me Trane heat pump compressors fail less than almost any other brand. Yes, you pay more upfront, but their units last forever.


Popular models:

  • XV20i
  • XV18

Known for:

  • Bulletproof reliability 
  • Long warranties
  • Last longer than competitors
  • Top-quality heat exchangers

Best fit: People staying in their homes long-term who want something bulletproof

Mitsubishi

Mitsubishi

Mitsubishi

Mitsubishi heat pumps are known for efficiency, cold climate performance, and ductless expertise. They lead the market in inverter technology and zone control systems.


Popular models:

  • MSZ-FH series
  • MXZ multi-zone systems

Known for:

  • High-efficiency options
  • Run quietly
  • Ductless expertise 
  • Cold climate performance

Best fit: Homes without ductwork or people wanting room-by-room control

Rheem

Goodman

Mitsubishi

Contractors prefer Rheem because parts are readily available and the units are straightforward to work on.


Popular models:

  • RP20
  • RP16

Known for:

  • Good value
  • Contractor familiarity
  • Solid middle-tier performance
  • Available everywhere

Best fit: Homeowners wanting reliable performance without premium prices


Goodman

Goodman

Goodman

Goodman is basic but reliable. Skip the premium models, stick with their entry-level heat pumps.


Popular models:

  • GSZ16
  • SSZ16

Known for:

  • Lower upfront costs
  • Basic reliability

Best fit: People who need heating and cooling on a tight budget


Heat Pump Installation

Professional vs. DIY

If you're handy, you can likely install a ductless mini-split yourself. Many companies like MRCOOLDIY seel pre-charged kits online. 


However, don't even think about installing an air-source heat pump or other whole-house system yourself. I've read too many stories about DIY refrigerant connections that leaked and destroyed compressors; people have lost thousands from this mistake. Even the electrical work needs heavy-duty wiring that starts fires when done incorrectly. Local codes in most areas demand permits and inspections too.


Help your installer by clearing the area and making sure they get easy access to both indoor and outdoor unit locations.

man in red shirt inspecting outdoor heat pump unit

Installation Must-Haves

Here's what every proper installation needs:


  • Electrical service sized for heat pump load and backup heat
  • Proper refrigerant line sizing and insulation
  • Condensate drainage that won't freeze in winter
  • Outdoor unit placed on level pad with adequate clearances
  • Heat pump thermostat that knows how to run the system

What You'll Actually Pay For a New Heat Pump

Energy Consumption

Efficiency ratings hit your wallet hard every month. Heat pumps beat electric baseboard heating but cost more than gas furnaces in most places. Your insulation, ductwork, and thermostat habits matter just as much. I've talked to people whose drafty houses barely saved money from high-efficiency heat pumps until they sealed air gaps and added insulation.

Annual Operating Cost Estimates

Here's real cost breakdowns for moderate climate homes:


  • Smaller houses (under 1,500 sq ft): $600-$1,200 per year
  • Average homes (1,500-2,500 sq ft): $900-$1,800 per year
  • Bigger houses (over 2,500 sq ft): $1,200-$2,400 per year


Your bills depend on local electric rates, how tight your house is, and how you use the system.

Routine Furnace Maintenance

Seasonal Tasks

Annual Professional Service

Seasonal Tasks

  • Clean outdoor coil with garden hose
  • Check refrigerant line insulation for damage
  • Test thermostat operation in both heating and cooling modes

Monthly Tasks

Annual Professional Service

Seasonal Tasks

  • Check air filters and swap them out when dirty
  • Clear leaves, snow, and junk away from the outdoor unit

Annual Professional Service

Annual Professional Service

Annual Professional Service

Professional service covers cleaning both coils, checking refrigerant levels, testing electrical connections, lubricating fan motors, inspecting safety controls, and measuring system performance.


Expect to pay $150-$250 for this work. Skip it and you'll face expensive repairs when your compressor dies in the middle of summer.

Troubleshooting Common Problems

HVAC technician measuring refrigerant levels in heat pump system

Heat Pump Won't Heat

Signs: Cold air coming from vents, unit running but no heat, or nothing at all

Try these first:

  • Check thermostat is set to heat mode
  • Replace air filter if dirty
  • Clear ice buildup from outdoor unit
  • Check circuit breakers

Call someone when: Basic fixes don't work, you hear refrigerant hissing, or electrical parts look damaged

Uneven Heating Between Rooms

Signs: Big temperature differences between rooms, some areas too hot or cold

Try these first:

  • Check that all vents are open and unblocked
  • Replace dirty air filters
  • Make sure return air vents aren't blocked by furniture

Call someone when: You still have problems after basic fixes – could be ductwork sizing or refrigerant flow issues

Strange Noises During Operation

Signs: Grinding, squealing, hissing, or loud banging when the heat pump runs

Try these first:

  • Clear debris from outdoor unit fan
  • Check that nothing is hitting the fan blades
  • Tighten loose panels or screws

Call someone when: Grinding, squealing, or refrigerant leaks keep happening – compressor trouble or refrigerant problems need professional fixes

How Much Furnaces Cost

What heat pumps cost:


  • Basic models: $4,500-$6,500 installed
  • High-efficiency units: $6,000-$8,500 installed
  • Premium variable-speed: $7,500-$10,000 installed
  • Geothermal systems: $15,000-$25,000 installed

Budget Planning

Contractors mess this up all the time. They guess or use outdated rules instead of doing math. Too-big heat pumps turn on and off constantly, waste electricity, and can't control humidity. Too-small units run all day but never reach your target temperature when the weather gets extreme.


Contractors must use Manual J calculations to determine the correct size, measured in tons of cooling capacity. Homes generally need 1 ton per 500-600 square feet, though drafty older homes demand more while well-insulated newer construction needs less.


Don't let anyone guess at sizing. I've heard of too many problems from contractors who eyeball estimates instead of doing proper calculations.


What to Ask Contractors

As you're getting quotes for a new heat pump, ask each HVAC company these questions:


  • Will you perform Manual J load calculations for proper sizing?
  • What's the SEER and HSPF rating of the recommended unit?
  • Do you have EPA certification for refrigerant handling?
  • What's included in your installation warranty?
  • Can you provide references from recent heat pump installations?

Energy Efficiency Tips

Here are four ways to reduce your home's heating and cooling costs that really work:


  • Set your thermostat to one temperature and leave it alone – heat pumps work best with steady operation
  • Swap out air filters monthly when you're running the system hard
  • Keep the outdoor unit clear of snow, ice, weeds, and trash all year
  • Run ceiling fans to move air around and drop your thermostat settings by 2-3 degrees

Frequently Asked Questions

Got questions we haven't answered? Reach out to us.

They typically last 15-20 years with regular maintenance. Quality units sometimes hit 25 years. Compressors usually last 12-15 years, while indoor units can go longer. Geothermal systems last 25+ years because underground components avoid weather exposure.


Equipment parts get covered 5-10 years, compressors 10-12 years. Installation work gets covered 1-2 years around here. Look into extended service plans if you want more coverage.


Existing ductwork often works with heat pumps, but electrical service needs upgrading in most homes. Thermostats require replacement with heat pump compatible models. I've watched retrofit jobs fail because standard thermostats run heat pumps incorrectly and waste electricity.


Oversized units turn on and off every few minutes, create uneven temperatures, and can't remove humidity. Undersized ones run constantly but never hit your target temperature when it gets really hot or cold outside.


Oversized heat pumps that short-cycle break down early, sometimes lasting only 8-12 years.


The feds cover 30% of geothermal costs through 2032 with tax credits. Local utilities often kick back $500-$2,000 for high-efficiency heat pumps. States have their own programs too. Areas with energy choice get the best deals.


Replace when your heat pump hits 12 years and needs repairs costing more than half of the replacement cost. Same if it keeps breaking down, bills keep rising, or you can't find parts. I've heard from homeowners whose older heat pumps needed $2,500+ repairs, replacement made more sense financially.


Other Equipment to Consider

Your heat pump connects to other systems:


  • Ductwork: Existing ducts often work but may need sealing and insulation improvements for optimal efficiency
  • Thermostats: Heat pump compatible models prevent inefficient operation and reduce energy waste
  • Air filtration: Higher-efficiency filters improve indoor air quality without restricting airflow

Looking for the right heat pump for your house? Smart HVAC USA connects you with local HVAC pros who'll figure out exactly what you need and give you recommendations that fit both your home and your wallet.

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