Heat Pump Installation Cost Calculator

Estimate installed cost for ducted heat pumps and ductless mini splits, including cold-climate equipment and electrical work. For full context, read the heat pump installation guide.

System type

Home / zone size

Local labor costs

Cold-climate model (rated for sub-zero winters)Electrical panel likely needs upgrade

Low

$6,500

Typical

$11,800

High

$17,000

Federal 25C credit ended Dec 31, 2025 — check state HEAR and utility rebates before subtracting incentives. Editorial estimate, not a quote. Model hp-cost-v1.0.

Assumptions behind this model

Ducted base assumes serviceable existing ductwork; duct modifications beyond minor adjustments are excluded.
Cold-climate equipment adds 12–15% for low-ambient-rated units and backup-heat integration.
Panel upgrade adds $1,500–$4,000 when selected (100A→200A typical).
Regional factor: high-cost metros +30%, below-average −15%.
No federal 25C credit is applied — it ended for installations after Dec 31, 2025; state/utility rebates vary and are not netted out.

Model hp-cost-v1.0 · Reviewed 2026-08-24 · See our methodology.