Estimate the installed cost of a new heat pump by type, home size, climate, ductwork condition, and backup heat — plus what to weigh on operating cost and whether a retrofit or full replacement makes more sense.
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Compare installed prices from vetted local heat pump installers.
Find an HVAC ProInstalled ranges including equipment and labor. Ductwork, backup heat, and electrical upgrades are additional.
| System type | Typical installed range | Notes |
|---|---|---|
| Ductless mini-split — 1 zone | $3,500 – $6,500 | One room or a small addition |
| Ductless mini-split — multi-zone | $8,000 – $20,000 | ~$3,000–$5,000 per added zone |
| Ducted air-source (central) | $6,000 – $14,000 | Uses existing ducts |
| Ducted cold-climate | $8,000 – $18,000 | Holds capacity below freezing |
| Geothermal / ground-source | $18,000 – $45,000 | Ground loop drives the cost |
A ducted air-source heat pump typically runs $6,000 to $14,000 installed. Single-zone ductless mini-splits start around $3,500, multi-zone systems run $8,000 to $20,000, and geothermal ranges from $18,000 to $45,000 because of the ground loop.
In cold and very cold climates, yes. Cold-climate models hold most of their heating capacity below freezing, which cuts how often expensive backup heat runs. Check the operating math with our Heat Pump Savings Calculator.
In mild climates, often not. In colder regions, most installs include electric strip heat or keep an existing furnace for dual-fuel operation.
The federal 25C tax credit currently covers 30% of a qualifying heat pump, up to $2,000 per year, and many states and utilities add rebates. Programs change often, so confirm what's available before you buy.
This calculator provides a rough planning estimate based on common industry pricing. Heat pump installations vary widely with equipment brand, site conditions, permits, and local labor rates — geothermal loop costs in particular depend heavily on soil and lot access. Always get a written quote from a licensed local contractor, and verify current incentive programs, before making a decision.