Orlando, 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.
Orlando, FL Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on Orlando’s ACCA-standard design conditions: 72°F indoor, 95°F outdoor cooling, and 33°F heating temperatures. 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.
Step 1 of 3
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)
Next
Step 2 of 3
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
Next
Step 3 of 3
Additional details
- Do you have a kitchen? Yes, No
- Do you have any glassed-in rooms? Yes, No
- Extra Device Wattage (W)
Calculate my Heating Needs
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 |
Comfort Plan
- Payment schedule $0 upfront, then monthly subscription
- Term length 10 or 12 years
- End of term options Flexible with 25% renewal term credits to new system
- Maintenance included
- Eligible for incentives
Cash
- Payment schedule Full price upfront
- Term length None
- End of term options No credits to new system
- Maintenance included
- Eligible for incentives
Loan
- Payment schedule $0 upfront, then monthly payment
- Term length Variable
- End of term options No credits to new system
- Maintenance included
- Eligible for incentives
Get a quote See how Comfort Plan works
Local Incentives
Orlando, FL Heat Pump Rebates & Incentives
Local and federal incentive programs can significantly reduce the cost of a new heat pump system. Here are the programs available to Orlando homeowners.
OUC Heat Pump Rebate
$45 - $1,150
Orlando Utilities Commission offers rebates for high-efficiency heat pump systems. Rebate amounts vary based on system size and SEER2 rating.
Eligibility: Must be OUC residential electric customer. Heat pump must have minimum SEER2 rating of 15.20 or SEER of 16.00. Property must be in OUC service area.
Duke Energy Heat Pump Rebate
$150 - $300
Duke Energy Florida offers rebates for heat pump and air conditioning system replacements and installations for residential customers.
Eligibility: Must complete a free Home Energy Check within 24 months before installation. Must be Duke Energy Florida residential customer. Installation must be by licensed and insured contractor.
JEA Heat Pump Rebate
$200
Jacksonville Electric Authority offers rebates for qualifying ENERGY STAR certified central air conditioners and heat pumps.
Eligibility: Must be JEA residential electric customer. Equipment must be ENERGY STAR certified. Application must be submitted within 90 days of purchase/installation.
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.
Orlando homeowners have access to several active heat pump rebate programs in 2026. The Orlando Utilities Commission (OUC) offers rebates ranging from $45 to $1,150 based on system efficiency, while Duke Energy and JEA provide additional utility-based incentives. Combined with the federal IRA tax credit of up to $2,000 available through 2032, homeowners can stack multiple incentives to reduce installation costs. Palmetto can help you navigate these programs and maximize your savings when upgrading to an efficient heat pump system.
Climate Zones
Orlando sits in IECC Climate Zone 10, which means mild winters (rarely dipping below 33°F) and hot, humid summers (reaching 95°F). This climate profile heavily favors cooling over heating, making heat pumps an ideal fit—they excel in moderate conditions and dramatically cut cooling costs. At Palmetto, we factor in Orlando's unique climate when sizing and recommending systems. Explore other zones below or enter your ZIP code to confirm yours.
Your location
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
Orlando Electricity Prices
Understanding Orlando's electricity costs is essential when choosing your home's heating and cooling system—especially as rates continue to evolve.
Florida's electricity rates jumped from 11.9 cents per kWh in 2021 to 15.2 cents in 2023. While costs dipped slightly to 14.1 cents in 2024, Orlando homeowners are paying more for energy than ever before.
Heat pumps offer a practical solution to rising electricity costs. Because they're 2-3x more efficient than traditional HVAC systems, they deliver the same comfort while using significantly less electricity per unit of heating or cooling.
As electricity rates fluctuate, efficiency becomes increasingly valuable. A heat pump's lower energy consumption means your monthly bills stay more manageable today while protecting your budget against future rate increases over the system's 15-20 year lifespan.
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
Orlando Area Utility Providers
Orlando residents are served by four main utility providers with varying electricity rates. Based on 2023 data, costs ranged from 12.6¢ per kWh (OUC) to 18.1¢ per kWh (Duke Energy).
Most Orlando providers stayed competitive with the national average of 16.0¢ per kWh. OUC and Sumter Electric Cooperative offered below-average rates, while Duke Energy ran slightly higher due to infrastructure investments and service territory characteristics.
Understanding your local electricity rates matters when considering heating and cooling options. Heat pumps use electricity more efficiently than traditional HVAC systems, which means lower energy bills regardless of whether your provider's rates run high or low.
Orlando Utilities Electricity Rates
| Utility Provider | Rate (per kWh) | Change from Previous Year |
|---|---|---|
| OUC | 12.60¢ | -21% |
| Duke Energy | 18.10¢ | +13% |
| FPL | 15.00¢ | -6% |
| Sumter Electric Cooperative | 13.00¢ | -19% |
| FL Average | 15.20¢ | -5% |
| US Average | 16.0¢ | — |
Palmetto Reviews
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
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
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.
Let our smart tools do the heavy lifting.
Get personalized tips, usage insights, project tracking, and that daily satisfaction of making your energy work smarter with the Palmetto mobile app.
- Rewards for smarter energy usage
- Energy insights & Dashboard
- Personalized Savings Tools
- Whole Home Energy Management
- Support Whenever You Need It
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.
$5,000
Recommended repair threshold
A heat pump's lifetime is impacted by a number of factors including environment, use and the quality of the unit. It's important to choose the right unit for your climate zone and home's unique attributes.
When you are in need of repair, we recommend choosing a service provider that is an expert in the heat pump brand you have installed, and checking online reviews to ensure you are investing in the right level of service.
| Potential repair | Cost range | Description |
|---|---|---|
| Capacitor Replacement | $150 - $400 | Common issue when unit struggles to start or makes a humming noise. Capacitors store the electrical energy needed to start the compressor and fan motors. |
| Refrigerant Recharge | $250 - $750 | Needed when the system loses cooling or heating efficiency due to low refrigerant levels. Includes leak detection, repair of minor leaks, and recharging the system to the manufacturer-specified level. |
| Reversing Valve Replacement | $450 - $900 | Required when the unit cannot switch between heating and cooling modes. The reversing valve directs refrigerant flow and is unique to heat pump systems. |
| Compressor Replacement | $1,500 - $3,000 | Major repair needed when the unit fails to heat or cool entirely. The compressor is the heart of the system, circulating refrigerant between the indoor and outdoor coils. |
| Evaporator/Condenser Coil Replacement | $1,200 - $2,800 | Replacement needed when coils develop leaks or corrosion that cannot be economically repaired. Coil damage reduces heat transfer efficiency and can cause refrigerant loss. |
| Control Board Replacement | $500 - $1,200 | Required when the system has electrical failures or erratic behavior. The control board manages all system operations including defrost cycles, fan speeds, and compressor staging. |
| Full System Replacement | $4,500 - $8,000+ | When repairs exceed the value of the unit or multiple major components fail simultaneously. Includes removal of the old system and installation of a new heat pump with updated refrigerant lines and electrical connections. |
Frequently Asked Questions
Do heat pumps make sense in Orlando?
Yes, heat pumps make excellent sense in Orlando. With a mild winter climate (design heating temperature of 33°F) and hot summers reaching 95°F, heat pumps efficiently handle both heating and cooling year-round. They use significantly less energy than traditional systems, which matters when Florida electricity costs average 14.2¢ per kWh.
How efficient are heat pumps in Orlando's climate?
Heat pumps are exceptionally efficient in Orlando's climate. Operating in Climate Zone 10, where winter temperatures rarely drop below 33°F, heat pumps maintain efficiency ratings of 300-400% compared to traditional heating systems at around 95%. This means for every dollar spent on electricity at Florida's current rate of 14.2¢ per kWh, heat pumps deliver three to four dollars worth of heating or cooling.
Should I lease or buy a heat pump in Orlando?
The choice between leasing and buying a heat pump in Orlando depends on your financial situation and preferences. Buying means paying upfront but owning the equipment outright, plus you may qualify for federal tax credits up to $2,000 under the Inflation Reduction Act. Leasing through Palmetto's Comfort Plan requires $0 upfront and includes all maintenance and repairs in your monthly payment.
How much does a heat pump cost in Orlando?
Heat pump installation costs in Orlando typically range from $5,000 to $15,000 for a complete system, depending on your home's size, existing ductwork, and the unit's efficiency rating. Orlando's Climate Zone 10 conditions—with mild winters and warm summers—make heat pumps particularly cost-effective, as they'll efficiently handle both heating and cooling year-round.
Is a heat pump worth it financially?
Yes, heat pumps are typically worth it financially in Orlando. With Florida's electricity rate at 14.2¢ per kWh and Orlando's mild winters, heat pumps can reduce your heating and cooling costs by 30-50% compared to traditional systems. The savings add up quickly given year-round HVAC use in Climate Zone 10.
Who installs heat pumps in Orlando?
In Orlando, heat pumps are installed by licensed HVAC contractors who specialize in heating and cooling systems. These professionals assess your home's specific needs in Climate Zone 10, where cooling demands reach 95°F and occasional heating is needed when temperatures drop to around 33°F, then properly size and install the equipment.
What is the difference between a heat pump and HVAC?
A heat pump is actually a type of HVAC system. HVAC stands for Heating, Ventilation, and Air Conditioning—it's an umbrella term for any equipment that controls your home's temperature and air quality. Heat pumps are unique because they both heat and cool your home using electricity, transferring heat rather than generating it through combustion.