Heat Pump vs Gas Furnace Lifetime Cost
15-year comparison: equipment cost, fuel cost, federal tax credit, state rebates, and optional electric panel upgrade.
Sets winter COP for heat pump and electric rate.
From your utility bills. Used to calibrate fuel cost.
Auto-filled from state avg.
Typical $6,000–$15,000 installed. Mini-splits cheaper, ducted higher.
Varies wildly. Check DSIRE / your utility.
15-year verdict
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Adjust the inputs to compare lifetime cost.
Heat Pump
Equipment + install$0
Federal 25C credit (30%, max $2K)−$0
State / utility rebate−$0
Panel upgrade (if needed)$0
15-year operating cost$0
15-year total$0
Current System
Equipment cost (replacement)$0
Federal creditNone
15-year operating cost$0
15-year total$0
Estimates only. Real quotes depend on home insulation, ductwork, refrigerant type (R-32 vs R-410A), and local labor rates. Federal 25C credit has a $2,000 annual cap and requires CEE-listed equipment. Not financial advice.
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