More Heating & Cooling: Central AC Replacement ·AC Repair ·HVAC Replacement ·Mini Split Installation ·Furnace Replacement
Heat pumps are the go-to upgrade for homeowners who want efficient heating and cooling from one system. Installed cost ranges from $6,000 for a single-zone mini-split to $20,000 for a whole-home ducted system, averaging around $14,500 for a ducted setup. Geothermal is a separate, pricier category.
What you’re paying for
Most quotes bundle equipment and labor into one number. What changes the total most is the type of system: a ductless mini-split for one room is the budget end, a whole-home ducted heat pump is mid-to-high, and a ground-source geothermal system is the premium option with the lowest running costs.
Cost by type
The table below shows typical installed pricing by configuration. If you’re heating an addition, garage, or a few key rooms, a mini-split is efficient and affordable. If you’re replacing a central furnace and AC, compare a ducted heat pump or a multi-zone ductless system.
The 2026 incentive picture
The federal heat-pump tax credit (up to $2,000) expired at the end of 2025. The silver lining: state and utility heat-pump rebates remain some of the most generous programs in home improvement, and many stack on top of each other. These are now where the savings live, so check your state energy office and utility before you buy.
Will it keep up in winter?
This is the most common worry, and modern cold-climate heat pumps largely put it to rest — they heat efficiently well below freezing. In the coldest regions, installers often pair the heat pump with backup electric or gas heat for the handful of extreme days each year.
How to save on a heat pump
- Chase state and utility rebates — with the federal credit gone, these are the savings.
- Reuse existing ductwork if it’s in good shape.
- Right-size with a load calculation instead of overbuying capacity.
- Get quotes from installers experienced with heat pumps, not just traditional AC.
| Item | Typical range | Notes |
|---|---|---|
| Single-zone mini-split | $3,000 – $6,000 | – |
| Multi-zone mini-split | $7,000 – $14,000 | – |
| Ducted air-source heat pump | $8,000 – $18,000 | – |
| Installation labor | $1,500 – $4,000 | Often included in system quotes |
| Electrical / panel work | $300 – $2,500 | – |
| Option | Typical range | Notes |
|---|---|---|
| Single-zone ductless mini-split | $3,000 – $6,000 | One room or addition |
| Multi-zone ductless mini-split | $7,000 – $14,000 | – |
| Ducted air-source (whole home) | $8,000 – $18,000 | Most common whole-home option |
| Geothermal (ground-source) | $15,000 – $30,000 | Highest upfront, lowest operating cost |
What affects the price
- System type Mini-splits are cheapest; whole-home ducted systems cost more; geothermal is the priciest to install.
- Number of zones Each indoor head you add to a ductless system raises the total.
- Home size & climate Larger homes and cold climates need higher-capacity or cold-climate units.
- Existing ductwork Reusing good ducts saves money; going ductless avoids them entirely.
- Backup heat In very cold regions, electric or gas backup heat adds cost but ensures comfort on the coldest days.
- Incentives The federal credit expired end of 2025; state and utility heat-pump rebates remain unusually generous.
Heat pump installation cost by state
Where you live can change the price as much as the options you pick. Labor is a big part of the bill, and construction workers are paid more in some states than others. A typical heat pump installation job costs about $7,000 to $23,400 in Hawaii (17% above the U.S. average). In Arkansas, it costs about $5,100 to $17,000 (15% below the U.S. average).
See the typical cost in all 50 states and D.C.
| State | Typical range |
|---|---|
| Alabama | $5,200 – $17,400 |
| Alaska | $6,900 – $23,000 |
| Arizona | $5,700 – $19,000 |
| Arkansas | $5,100 – $17,000 |
| California | $6,700 – $22,400 |
| Colorado | $6,000 – $20,000 |
| Connecticut | $6,400 – $21,400 |
| Delaware | $5,900 – $19,600 |
| District of Columbia | $6,500 – $21,600 |
| Florida | $5,500 – $18,200 |
| Georgia | $5,500 – $18,400 |
| Hawaii | $7,000 – $23,400 |
| Idaho | $5,600 – $18,800 |
| Illinois | $6,900 – $23,000 |
| Indiana | $6,100 – $20,200 |
| Iowa | $5,800 – $19,400 |
| Kansas | $5,700 – $19,000 |
| Kentucky | $5,600 – $18,600 |
| Louisiana | $5,400 – $18,000 |
| Maine | $5,900 – $19,600 |
| Maryland | $6,000 – $20,000 |
| Massachusetts | $6,900 – $23,000 |
| Michigan | $6,000 – $20,000 |
| Minnesota | $6,500 – $21,800 |
| Mississippi | $5,200 – $17,400 |
| Missouri | $6,100 – $20,400 |
| Montana | $5,900 – $19,600 |
| Nebraska | $5,600 – $18,800 |
| Nevada | $6,200 – $20,600 |
| New Hampshire | $5,900 – $19,800 |
| New Jersey | $6,800 – $22,800 |
| New Mexico | $5,500 – $18,400 |
| New York | $6,600 – $22,000 |
| North Carolina | $5,400 – $18,000 |
| North Dakota | $6,100 – $20,200 |
| Ohio | $6,000 – $20,000 |
| Oklahoma | $5,500 – $18,200 |
| Oregon | $6,600 – $22,000 |
| Pennsylvania | $6,100 – $20,200 |
| Rhode Island | $6,200 – $20,800 |
| South Carolina | $5,500 – $18,200 |
| South Dakota | $5,400 – $18,000 |
| Tennessee | $5,500 – $18,400 |
| Texas | $5,500 – $18,200 |
| Utah | $5,600 – $18,800 |
| Vermont | $5,800 – $19,400 |
| Virginia | $5,700 – $19,000 |
| Washington | $7,000 – $23,200 |
| West Virginia | $5,700 – $19,000 |
| Wisconsin | $6,200 – $20,800 |
| Wyoming | $5,900 – $19,800 |
These are numbers to plan with, not quotes. Each one is this guide's U.S. range, adjusted for what construction workers earn in that state. See every state cost guide or how we estimate.
Common questions
- Is a heat pump cheaper than a furnace and AC?
- Upfront, a heat pump is often comparable to a furnace-plus-AC system. It can be cheaper to run because one unit handles both heating and cooling efficiently.
- Do heat pumps work in cold climates?
- Modern cold-climate heat pumps work well into sub-freezing temperatures. In very cold regions, many homes add backup or auxiliary heat for the coldest days.
- Are there still heat pump rebates in 2026?
- The federal heat-pump tax credit (up to $2,000) expired at the end of 2025. Many states and utilities still offer rebates that can total thousands — confirm current programs in your area before buying.
- How much does a mini-split cost?
- A single-zone ductless mini-split runs about $3,000–$6,000 installed; multi-zone systems run $7,000–$14,000 depending on the number of indoor heads.
- How long do heat pumps last?
- Air-source heat pumps typically last 12–15 years; geothermal ground loops can last 50+ years with the indoor equipment replaced periodically.
- What do SEER2 and HSPF2 mean?
- SEER2 measures cooling efficiency and HSPF2 measures heating efficiency. Higher numbers mean lower operating costs but a higher purchase price.
- What size heat pump do I need?
- Sizing should come from a Manual J load calculation based on your home's insulation, windows, and climate — not square footage alone. Oversizing wastes money and hurts comfort.
How we estimate: These are typical U.S. prices for materials and for hiring a pro to install them. We checked them against the 2026 sources listed below (see how we get our numbers). Your price depends on where you live, the size of the job and the materials you pick. Get two or three written bids before you choose a contractor.
Sources
We checked the prices on this page against 2026 numbers from these sources:
- How much does a heat pump cost in 2026?, EnergySage
- How Much Does a Heat Pump Cost? (2026 Pricing), This Old House
- Heat Pump Costs and Installation Costs (2026 Data), Angi