Clermont, FL Heat Pump Leasing & Installation
Benefits of Palmetto Heat Pumps
Say goodbye to clunky old systems and surprise repairs. Palmetto Comfort Plan gives you a brand-new heat pump, installation, and full support, all wrapped into one subscription.
Year Round Comfort
A high-efficiency heat pump keeps your home cool in summer, warm in winter, and your energy use in check all year long.
Forget the maintenance
With a Comfort Plan subscription, installation and maintenance are fully covered, no surprise bills, no weekend DIY.
Rewards for renewing
Stick with us and earn credits toward your next system upgrade. It’s our way of saying thanks for building a cleaner, comfier future with us.
Clermont, FL Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on Clermont’s ACCA-standard design conditions: 72°F indoor, 95°F outdoor for cooling, and 33°F for heating. For a precise Manual J load calculation and personalized quote, connect with Palmetto’s team. Get in touch with our team for an official quote.
Home location & size
Your home’s location and size directly impact heating needs.
- ZIP Code
- Number of residents
- Home Square Footage (sq ft)
- Home Ceiling Height (ft)
Home attributes
- Amount of sunlight: Low / Moderate / High
- Insulation: Poor Insulation / Standard Insulation / Good Insulation / Excellent Insulation
- Number of Windows
- Window and Door Seals: Poor fit & Seal / Typical fit & Seal / Good fit & Seal
Additional details
- Do you have a kitchen? Yes / No
- Do you have any glassed-in rooms? Yes / No
- Extra Device Wattage (W)
Estimated Heating Needs
Your home’s location falls within the a climate zone with the average extreme winter falling between 10° – 15° F.
Home Details
Recommended equipment capacity
- 60,000 BTU
- 5 Tons
Calculated Cooling Mode
- 102,000 BTU
- 8.5 Tons
Buy it or finance it. Your comfort, your call
There's no wrong way to get cozy. Here's how the options stack up, so you can choose what works best for you.
| Comfort Plan | Cash | Loan | |
|---|---|---|---|
| Payment schedule | $0 upfront, then monthly subscription | Full price upfront | $0 upfront, then monthly payment |
| Term length | 10 or 12 years | None | Variable |
| End of term options | Flexible with 25% renewal term credits to new system | No credits to new system | No credits to new system |
| Maintenance included | |||
| Eligible for incentives |
Heat Pump Financing in Clermont
While Florida's state-level HOMES and HEEHRA rebate programs are still in development and not yet active in 2026, homeowners in Clermont may qualify for utility-specific rebates through providers like Florida Public Utilities ($250-$500) or JEA ($200). The federal IRA tax credit of up to $2,000 remains available through 2032. Palmetto's Comfort Plan lease offers $0 upfront cost as an alternative to purchasing, allowing you to benefit from heat pump efficiency without the installation burden.
Federal IRA Tax Credit
Up to $2,000
The Inflation Reduction Act provides a federal tax credit of up to $2,000 for qualifying heat pump installations through 2032.
Eligibility: Available to homeowners who purchase and install a qualifying heat pump system. Claimed on your annual federal tax return.
Palmetto Comfort Plan: $0 Upfront Heat Pump Leasing
Even without local rebates, Palmetto's Comfort Plan makes upgrading easy. You get a high-efficiency heat pump installed with $0 upfront cost, predictable monthly payments, and all maintenance and repairs included for the life of the plan.
Climate Zones
Clermont sits in IECC Climate Zone 10, which means mild winters with temperatures rarely dipping below 33°F and hot, humid summers reaching 95°F. This climate profile makes heat pumps an ideal year-round solution—they'll handle cooling demands during long summers while providing efficient heating on those occasional chilly mornings. At Palmetto, we factor in Clermont's specific conditions when sizing and selecting your system.
Climate Zone 10
Warm climate zone with mild winters and very hot summers.
Climate Zone 10A
- Avg. extreme winters: 30° to 35° F
Climate Zone 10B
- Avg. extreme winters: 35° to 40° F
Clermont Electricity Prices
Understanding electricity costs in Clermont helps you make smarter decisions about your home's heating and cooling system.
Florida electricity rates jumped from 11.9 cents per kWh in 2021 to 15.2 cents in 2023—a 28% increase in just two years. While rates dipped slightly to 14.1 cents in 2024, the trend shows energy costs remain a significant concern for Clermont homeowners.
Heat pumps offer a practical response to rising electricity costs. Because they move heat rather than generate it, heat pumps use 2-3 times less electricity than traditional HVAC systems to deliver the same comfort, which means lower monthly bills even as rates fluctuate.
Price of Energy: Florida vs National Average
0¢
10¢
20¢
30¢
13.7¢
11.9¢
15.0¢
13.9¢
16.0¢
15.2¢
16.5¢
14.1¢
2021
2022
2023
2024
US Average
Florida
Clermont Area Utility Providers
Clermont residents are served by two main utility providers with varying electricity rates. According to 2023 data, Duke Energy charges 18.10¢ per kWh, while Sumter Electric Cooperative offers 13.0¢ per kWh.
Understanding your electricity costs matters when considering home comfort upgrades. Heat pumps use significantly less energy than traditional heating and cooling systems, which means lower bills regardless of your utility provider—especially valuable for Duke Energy customers facing higher rates.
Clermont Utilities Electricity Rates
| Provider | Rate (¢/kWh) |
|---|---|
| Duke Energy | 18.10¢ |
| Sumter Electric Cooperative | 13.00¢ |
| FL Average | 15.20¢ |
| US Average | 16.0¢ |
Palmetto Reviews
Long term lease plans aren’t for everyone! But for my specific situation it made sense. For some it may not! But my experience has been great overall 🙂
Palmetto Customer - IL
We have already told friends about how well we were treated during our new HVAC purchase and installation. Your service met our needs and everything was done easily and promptly.
Palmetto Customer - SC
The overall process was very easy. The specific payment plan offered was a tremendous help when I needed to resolve my AC problem. I would recommend for convenience and service.
Palmetto Customer - VA
Ready to start saving with a heat pump?
Speak with a Palmetto heating & cooling expert to find out exactly how much you can save.
Repair versus replace
When a heat pump is in need of repair it is worth considering whether a replacement would be a better investment. While each case is unique, we generally recommend investing in a new unit when repairs exceed $5,000.
Potential repair costs
| Potential repair | Cost range | Description |
|---|---|---|
| Capacitor Replacement | $150 - $400 | Common issue when unit struggles to start or makes a humming noise. |
| Refrigerant Recharge | $250 - $750 | Needed when the system loses cooling or heating efficiency due to low refrigerant levels. |
| Reversing Valve Replacement | $450 - $900 | Required when the unit cannot switch between heating and cooling modes. |
| Compressor Replacement | $1,500 - $3,000 | Major repair needed when the unit fails to heat or cool entirely. |
| Evaporator/Condenser Coil Replacement | $1,200 - $2,800 | Replacement needed when coils develop leaks or corrosion that cannot be economically repaired. |
| Control Board Replacement | $500 - $1,200 | Required when the system has electrical failures or erratic behavior. |
| Full System Replacement | $4,500 - $8,000+ | When repairs exceed the value of the unit or multiple major components fail simultaneously. |
Frequently Asked Questions
Do heat pumps make sense in Clermont?
Yes, heat pumps make excellent sense in Clermont. With Climate Zone 10's mild winters (design heating temperature of 33°F) and warm summers (design cooling temperature of 95°F), heat pumps operate efficiently year-round.
How efficient are heat pumps in Clermont's climate?
Heat pumps are highly efficient in Clermont's Climate Zone 10, where mild winters and warm summers create ideal operating conditions.
Should I lease or buy a heat pump in Clermont?
The choice between leasing and buying a heat pump in Clermont depends on your financial priorities and homeownership plans.
How much does a heat pump cost in Clermont?
Heat pump installation costs in Clermont typically range from $5,000 to $15,000 for a complete system.
Is a heat pump worth it financially?
Yes, heat pumps are typically worth it financially in Clermont, FL.
Who installs heat pumps in Clermont?
In Clermont, licensed HVAC contractors install heat pumps.