Cleveland, OH 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.
Cleveland, OH Heat Pump Load Calculator
Use this calculator to estimate your home’s heating and cooling needs based on square footage. It uses ACCA-standard design conditions for Cleveland, OH: 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 |
Heat Pump Financing in Cleveland
Unfortunately, major federal and state heat pump incentive programs are not currently active in Cleveland, OH for 2026. The federal IRA tax credits expired on December 31, 2025, and Ohio's state rebate programs (HOMES and HEEHRA) are still pending federal approval with no confirmed launch date. However, some utility companies like AEP Ohio and Columbia Gas may offer limited rebates. Palmetto's Comfort Plan lease offers an alternative solution with $0 upfront cost, allowing homeowners to access efficient heat pump technology without waiting for rebate programs or managing complex incentive applications.
Federal IRA Tax Credit
Expired (was up to $2,000)
The Inflation Reduction Act provided a federal tax credit of up to $2,000 for qualifying heat pump installations. Note: This credit expired on December 31, 2025 and is no longer available for systems installed in 2026.
Eligibility: This program is no longer active as of 2026. Systems must have been installed by December 31, 2025 to qualify.
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
Cleveland sits in IECC Climate Zone 6, which means cold winters with design temperatures around -5°F and warm summers reaching 91°F. These temperature extremes require a heat pump that can handle serious heating demands while staying efficient year-round. At Palmetto, we understand Cleveland's climate and can help you choose a system sized and selected for exactly what your home needs. Explore the climate zone details below, or enter your ZIP code to confirm your specific zone.
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
Cleveland Electricity Prices
Understanding Cleveland's electricity costs is essential when choosing your home heating and cooling system—especially as rates continue to climb year after year.
Price of Energy: Ohio vs National Average
0¢
10¢
20¢
30¢
13.7¢
12.8¢
15.0¢
13.9¢
16.0¢
15.4¢
16.5¢
16.1¢
2021
2022
2023
2024
US Average
Ohio
Cleveland Area Utility Providers
Cleveland residents are served primarily by two utility providers: Cleveland Electric Illuminating at 14.4¢ per kWh and Ohio Edison at 14.6¢ per kWh (2023 data). Both rates sit below the national average of 16.0¢ per kWh.
Cleveland Utilities Electricity Rates
Cleveland Electric Illuminating
14.40¢
Ohio Edison
14.60¢
OH Average
15.40¢
US Average
16.0¢
Palmetto Reviews
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
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
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
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 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 Cleveland? Yes, heat pumps make sense in Cleveland. Modern cold-climate heat pumps work efficiently even at Cleveland's design heating temperature of -5°F, and they provide both heating and cooling for the region's 91°F summer days.
How efficient are heat pumps in Cleveland's climate? Heat pumps perform well in Cleveland's Climate Zone 6, efficiently heating homes even when temperatures drop to the design low of -5°F.
Should I lease or buy a heat pump in Cleveland? The choice between leasing and buying a heat pump in Cleveland depends on your financial priorities and home ownership plans.
How much does a heat pump cost in Cleveland? Heat pump costs in Cleveland typically range from $5,000 to $20,000 for a complete system.
Is a heat pump worth it financially? Yes, heat pumps are typically worth it financially in Cleveland. Modern heat pumps can reduce heating and cooling costs by 30-50% compared to traditional systems.
Who installs heat pumps in Cleveland? Heat pumps in Cleveland are installed by licensed HVAC contractors who specialize in heating and cooling systems suitable for Climate Zone 6 conditions.