Heat Pump Cost Calculator for Florida Homes
Estimate installed cost, utility rebates, and annual cooling savings — instantly.
- Florida-specific costs
- Utility rebates included
- No sign-up required
A few minutes to your answer
- 1
Enter your home size
Square footage sets the estimated tonnage range your home needs. Use the cooled living area, not the lot.
- 2
Choose your current and new system
Your current equipment sets the efficiency baseline that your cooling savings are measured against.
- 3
Pick your utility and ductwork
Your utility sets the rebate; duct condition sets whether sealing or full replacement is added to the cost.
- 4
Read your net cost and next step
Installed cost, rebate, net cost, annual savings, and payback appear instantly — no email gate.
Use the cooled living area of your home.
Verification
Results appear instantly. No sign-up required.
Frequently asked questions
What the estimate includes and what it does not
The calculator estimates equipment and standard installation labor using 2026 Florida price bands per ton, then adds ductwork, permit and inspection fees, a line-set and electrical allowance, and the R-454B refrigerant transition premium that now applies to every new residential system. Your utility rebate is subtracted to produce a net cost, and annual cooling savings are modeled from Florida's 2,200 full-load cooling hours at 14 cents per kWh.
What it cannot do is replace a Manual J load calculation. Final pricing depends on line-set condition, attic access, electrical panel capacity, and permit jurisdiction — none of which a square-footage estimate can see, which is why we show a range rather than a single number. Use it to sanity-check the quotes you receive, then read our Florida HVAC replacement guide for the line-by-line breakdown. If your attic is under-insulated, pair this estimate with attic insulation and air sealing, because a tighter envelope can reduce the tonnage you need. And if a roof replacement is within the next few years, check roofing and solar readiness before committing to equipment placement.
Florida heat pump rebates in 2026
Utility rebates are the only meaningful incentive available for a 2026 Florida heat pump installation. Amounts are tiered by efficiency, and several programs require a participating contractor or pre-approval before work begins.
| Utility | 2026 rebate | Efficiency requirement |
|---|---|---|
| TECO | $40 at 15.2 SEER2 · $550 at 16.2 SEER2+ | 15.2 SEER2 minimum for any rebate |
| Duke Energy Florida | $600 at 15.2 SEER2 / 7.5 HSPF2 · $1,000 at 16 SEER2+ | $1,000 tier requires replacing electric strip heat |
| FPL | $200 instant rebate | 15.2 SEER2+ with a program-enrolled contractor |
| OUC | Up to $1,150 | Sliding scale by tonnage and efficiency |
| JEA | Verify current JEA program | Program terms and amounts change often |
The federal 25C Energy Efficient Home Improvement Credit expired on December 31, 2025, and Florida's ratepayer-funded HEAR and HOMES programs had not opened a consumer application portal as of late 2026. Confirm current terms with your utility before signing a contract — tier thresholds and pre-approval requirements change frequently.
Heat pump vs. straight-cool AC in Florida
Climate zone decides this one. In South Florida — Miami-Dade, Broward, Monroe, and Palm Beach counties, all Climate Zone 1A — heating hours are too few to repay a heat pump's higher equipment cost, so a straight-cool AC with an electric heat strip is often the better value. You are paying for heating capacity you will rarely use.
Central and North Florida sit in Climate Zone 2A, where winter design temperatures stay in the mid-to-upper 40s — well inside a heat pump's efficient range — and Florida's energy code restricts electric resistance heat, which can make a heat pump the compliant default for permitted work. Whichever system your results point to, equipment is only half the decision: sizing and duct sealing drive comfort and humidity control more than the efficiency rating on the box. Run the upgrade priority calculator to see whether HVAC, insulation, or solar should come first, then use the Florida solar savings calculator and the battery backup calculator to size the rest of your home energy plan around your new cooling load.
Fix Your Envelope First, Then Size Solar
Fix your envelope first, then size solar. Air sealing, insulation, and duct sealing reduce your cooling load — which means you can install a smaller, cheaper solar system.