Naperville, IL 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.
Naperville, IL Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on Naperville’s ACCA-standard design conditions: 91°F for cooling, -5°F for heating, and 72°F indoors. 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 | Yes | No | No |
| Eligible for incentives | Yes | No | No |
Naperville, IL 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 Naperville homeowners.
Naperville Air-Source Heat Pump Rebate
$600
The City of Naperville Electric Utility offers rebates to residential customers who install replacement energy-efficient air-source heat pumps. Rebates are available on a first-come, first-served basis until all funding is allocated.
Eligibility: Must be a Naperville Electric Utility residential customer and owner or renter of the residence. Heat pump must meet AHRI Certified SEER and HSPF ratings. Limit one rebate per household. Applications must be submitted within 120 days of 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.
Climate Zones
Naperville sits in IECC Climate Zone 6, which means cold winters that can dip to -5°F and warm summers reaching 91°F. These temperature swings matter when sizing a heat pump—you need a system that can handle both extremes efficiently. At Palmetto, we understand Naperville's climate and can help you find the right heat pump for your home. Explore other climate zones below or enter your ZIP code to confirm yours.
Climate Zone 6
Cool climate zone with cold winters and warm summers.
Climate Zone 6A
Avg. extreme winters: -10° to -5° F
Climate Zone 6B
Avg. extreme winters: -5° to 0° F
Naperville Electricity Prices
Understanding electricity costs in Naperville is crucial when considering your home's heating and cooling efficiency—and your long-term budget.
Illinois electricity rates jumped from 13.2 cents per kWh in 2021 to 15.9 cents per kWh in 2024—a 20% increase in just three years. Naperville residents have felt this impact on their monthly utility bills.
Heat pumps offer a smart response to rising electricity costs. Because they're 2-3x more efficient than traditional HVAC systems, they use significantly less electricity to deliver the same heating and cooling comfort to your home.
Price of Energy: Illinois vs National Average
| Year | Illinois | US Average |
|---|---|---|
| 2021 | 13.2¢ | 13.7¢ |
| 2022 | 15.0¢ | 15.5¢ |
| 2023 | 15.7¢ | 16.0¢ |
| 2024 | 15.9¢ | 16.5¢ |
Naperville Area Utility Providers
Naperville residents are served by ComEd, which charged an average of 14.8¢ per kWh in 2023—below both the Illinois state average of 15.7¢ and the national average of 16.0¢ per kWh.
With below-average electricity rates and heat pumps' high efficiency, Naperville homeowners can reduce total energy spending. Heat pumps use electricity more effectively than traditional systems, turning each kilowatt-hour into more heating and cooling for your home.
Naperville Utilities Electricity Rates
| Provider | Rate |
|---|---|
| ComEd | 14.80¢ |
| IL Average | 15.70¢ |
| US Average | 16.0¢ |
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. 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 Naperville?
Yes, heat pumps make sense in Naperville. Modern cold-climate heat pumps are designed to operate efficiently in Climate Zone 6, where winter temperatures can drop to -5°F. With Illinois electricity rates at 15.9¢ per kWh, heat pumps typically cost less to operate than traditional heating systems while providing both heating and cooling year-round.
How efficient are heat pumps in Naperville's climate?
Heat pumps perform very efficiently in Naperville's Climate Zone 6, even during cold winters. Modern cold-climate heat pumps maintain strong efficiency down to -5°F, Naperville's design heating temperature, and can deliver 2-3 times more heating energy than the electricity they consume.
What is the difference between a heat pump and HVAC?
HVAC is an umbrella term that stands for Heating, Ventilation, and Air Conditioning—it describes any system that controls indoor climate. A heat pump is actually a specific type of HVAC system that both heats and cools your home by transferring heat rather than generating it through combustion, making it highly efficient in Naperville's Climate Zone 6 conditions.