Quincy, MA 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.
Quincy, MA Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on Quincy’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, Standard, Good, Excellent
- 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 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
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 |
Local Incentives
Quincy, MA 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 Quincy homeowners.
Mass Save Heat Pump Rebate
Up to $8,500
Massachusetts' premier energy efficiency program offering rebates for air-source heat pump installations. Whole-home systems provide up to $8,500; partial-home systems also up to $8,500. Equipment must be ENERGY STAR Cold Climate certified with low-GWP refrigerants (R-32 or R-454B).
Eligibility: Residential customers in 1-4 unit homes replacing oil, propane, natural gas, or electric resistance heating with a participating utility (National Grid, Eversource, Unitil, or Cape Light Compact for electric; Berkshire Gas, Liberty, National Grid, or Unitil for gas). Equipment must be installed between January 1-December 31, 2026 by a Mass Save Heat Pump Installer Network contractor.
Climate Zones
Quincy sits in IECC Climate Zone 6, which means cold winters (design temps around -5°F) and warm summers (up to 91°F). This wide temperature range makes proper heat pump sizing critical—your system needs to handle both extremes efficiently. At Palmetto, we understand Quincy's climate inside and out, so we can recommend the right heat pump for your home.
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
Quincy Electricity Prices
Understanding electricity costs in Quincy helps you make smarter decisions about home heating and cooling—especially as rates continue to climb.
Massachusetts electricity rates have jumped significantly in recent years, rising from 22.9 cents per kWh in 2021 to 29.3 cents in 2024—nearly double the national average of 16.5 cents per kWh.
Heat pumps offer a practical response to these rising costs. Because they're 2-3 times more efficient than traditional systems, they use significantly less electricity to deliver the same amount of heating or cooling to your home.
Price of Energy: Massachusetts vs National Average
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| Year | US Average | Massachusetts |
|---|---|---|
| 2021 | 13.7¢ | 22.9¢ |
| 2022 | 15.0¢ | 26.0¢ |
| 2023 | 16.0¢ | 29.6¢ |
| 2024 | 16.5¢ | 29.3¢ |
Quincy Area Utility Providers
Quincy residents receive electricity primarily from National Grid and Eversource. Based on 2023 data, National Grid averaged 36.7¢ per kWh, while Eversource averaged 29.7¢ per kWh—both significantly above the national average of 16.0¢ per kWh.
Quincy Utilities Electricity Rates
| Provider | Rate |
|---|---|
| National Grid | 36.70¢ |
| Eversource | 29.70¢ |
| MA Average | 29.60¢ |
| 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
Everything about my experience was excellent. My new HVAC system was installed the next day; the process took less time than expected; the technicians were friendly, polite, and professional; and my home has been a comfortable temperature since with zero issues.
Palmetto Customer, MD
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
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 cost ranges
| 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. |
| 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 Quincy?
Yes, heat pumps make excellent sense in Quincy. Modern cold-climate heat pumps perform efficiently even at Quincy's design heating temperature of -5°F, and they provide both heating and cooling for the area's 91°F summer days.
How efficient are heat pumps in Quincy's climate?
Heat pumps perform very efficiently in Quincy's Climate Zone 6 conditions, even during cold Massachusetts winters, delivering 2-3 times more heating energy than the electricity they consume.
Should I lease or buy a heat pump in Quincy?
The choice depends on your financial priorities and homeownership plans.
How much does a heat pump cost in Quincy?
Installation costs typically range from $10,000 to $25,000 for a complete system, depending on your home's size and equipment needed.
Is a heat pump worth it financially?
Yes, heat pumps can reduce heating and cooling costs by 30-50% compared to traditional systems.
Who installs heat pumps in Quincy?
Licensed HVAC contractors install heat pumps, including Palmetto, which specializes in energy solutions in Quincy.