Independent · Updated quarterly
How much does a heat pump actually cost?
Up to$10,000in stackable rebates
Real installed prices by city, federal + state rebate amounts, and a savings calculator that tells you what you'll actually pay after incentives. No sales calls, no lead forms.
$11,400
National avg installed cost
ducted, 3-ton, 2026
$2,000
Max federal tax credit
IRA §25C, 30% of project
$10,000
Top state rebate
MA Mass Save HEEHRA
Cost by city
Installed prices reflect typical 3-ton ducted systems before incentives.
See all metros →Rebates by state
Stackable on top of the federal $2,000 tax credit and $8,000 HEEHRA rebate (income-eligible).
Estimate your out-of-pocket cost
Enter your state, household income, and system size. We'll subtract every rebate you qualify for.
Used to determine HEEHRA eligibility (under 80% area median income).
Average installed cost
$12,500
Incentives offset 43% of the install−$5,400
- Federal §25C tax credit−$2,000
- Oncor Take A Look program−$1,200
- CenterPoint Energy SCORE−$800
- Austin Energy Heat Pump Rebate−$1,400
Estimated out-of-pocket$7,100
Estimate only. Tax credits require sufficient federal tax liability. Rebate stacking rules vary — confirm with your installer and utility before signing.