Is a Heat Pump Right for My Home? (Decision Guide)
Entry decision pathway: Check your system, climate, budget, and get a clear next step.
Key Takeaways
- Heat pumps work best replacing oil, propane, or electric resistance heat
- Cold climates (below 10°F design temp) may benefit from dual-fuel setup
- Home readiness: ducts, insulation, and electrical capacity matter
- ROI varies by current fuel type and local energy rates
- Start with the calculator for personalized recommendations
Decision Flow
Current heating fuel?
→ Great fit
→ Run numbers
→ Slam dunk
Use calculator for personalized analysis
What Changes vs Furnace
Heat pumps move heat instead of burning fuel, making them 2-4x more efficient:
- Heating & cooling in one system (replaces furnace + AC)
- Electric operation with high efficiency (no combustion)
- Consistent comfort with variable-speed operation
- Lower emissions especially with clean grid electricity
Climate Reality (DB99)
Your winter design temperature determines heat pump viability:
Climate Zones
- Above 20°F: Heat pumps excel, minimal backup needed
- 10°F to 20°F: Good performance with cold-climate models
- 0°F to 10°F: Consider dual-fuel for economics
- Below 0°F: Dual-fuel often most cost-effective
Use our calculator to see your specific design temperature and recommendations.
Home Readiness
Ducts: Existing ductwork can usually be adapted, but airflow testing is essential.
Insulation: Better insulation = smaller heat pump needed = lower costs.
Electrical Panel: Most 200A panels handle heat pumps; 100A services may need upgrades.
Paths: All-Electric vs Dual-Fuel
All-Electric Path:
- Heat pump handles 100% of heating load
- Electric strips for rare extreme cold backup
- Best for: Moderate climates, electrification goals
Dual-Fuel Path:
- Heat pump + gas furnace backup
- Automatic switchover based on outdoor temperature
- Best for: Very cold climates, low gas prices
Step 3 — Budget & Incentives
Stack the 25C federal tax credit with state/utility rebates. Check your state's specific programs in our rebates directory to maximize savings.
Step 4 — All-Electric or Dual-Fuel?
We'll recommend a path from your calculator results. Either way, use our comprehensive guides to protect your investment and ensure proper installation.
What to Do Next
Your decision pathway depends on your current situation:
✅ Good Candidates
- Oil, propane, or electric resistance heating
- Design temperature above 0°F
- Existing ductwork or open to ductless
- 200A electrical panel
Next: Run the calculator → Get quotes
⚠️ Need More Analysis
- Natural gas heating with low rates
- Very cold climate (below -5°F design temp)
- Poor insulation or duct issues
- 100A electrical service
Next: Compare economics → Consider dual-fuel
Frequently Asked Questions
Will a heat pump work in my cold climate?
Modern cold-climate heat pumps deliver heat well below freezing when properly sized for local design temperatures. Check your area's DB99 temperature and match it to equipment specs.
How much will I save on heating bills?
Savings depend on your current fuel type and local rates. Electric resistance users see the biggest drops, while natural gas users need to run the numbers carefully.
Do I need to upgrade my electrical panel?
Many heat pump installations work with existing 200A panels, but older 100A services may need upgrades. Your installer will assess electrical capacity during the quote process.