Eugene, OR 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.
Eugene, OR Heat Pump Load Calculator
Use this calculator to estimate your home’s heating and cooling needs based on square footage. It’s tailored to Eugene’s ACCA-standard design conditions: 5°F for heating and 92°F for cooling, with a 72°F indoor target. 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, Standard, Good, Excellent
- Number of Windows
- Window and Door Seals: Poor, Typical, Good
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 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 | Yes |
| Eligible for incentives | Yes | No | Yes |
Local Incentives
Eugene, OR 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 Eugene homeowners.
Oregon Heat Pump Purchase Program
Up to $2,000
Oregon's Heat Pump Purchase Program provides $2,000 heat pump incentives for homeowners, rental property owners, and homes under construction.
Eligibility: The heat pump must be purchased for an owner-occupied residence, residential tenancy (rental), or new residential construction located in Oregon. Heat pumps must have an HSPF2 of 8.1 or greater and a SEER2 rating of 16 or more.
HOMES Rebate Program
Up to $10,000
The Home Efficiency Rebates Program (also known as HOMES) will provide performance-based rebates for energy efficiency upgrades in existing single-family and multifamily homes with reserved funding for low-income households.
Eligibility: HOMES Program participants could receive between 50 to 100 percent of project costs up to $10,000, depending on the energy upgrades completed, the household's income, and the project's estimated energy savings. Heat pump installations must demonstrate at least 20% estimated energy savings.
HEAR Rebate Program
Up to $14,000
The Home Electrification and Appliance Rebates Program (also known as HEAR) will provide rebates to low- and moderate-income households to install specific eligible high-efficiency electric appliances and associated upgrades.
Eligibility: HEAR Program participants could receive between 50 to 100 percent of project costs up to $14,000, depending on the energy upgrades completed and the household's income.
EWEB Heat Pump Loan Program
Up to $14,000
Eugene Water and Electricity Board (EWEB) offers income-based and standard rebates for ductless and ducted heat pumps.
Eligibility: Up to a $6000 zero-percent interest loan for single-head systems plus $2000 for each additional head (maximum 5 total heads). For systems with both ductless heads and ducted minisplits, we offer a loan up to $14,000.
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.
Eugene homeowners have access to multiple heat pump incentive programs. The Oregon Heat Pump Purchase Program offers up to $2,000 rebates. Additionally, the HOMES and HEAR programs will launch in spring 2026 with rebates for income-qualified households. Palmetto can help homeowners navigate these programs, understand eligibility requirements, and maximize available rebates to reduce upfront costs.
Climate Zones
Eugene sits in IECC Climate Zone 7, which means cold winters with design temps around 5°F and warm summers reaching 92°F. This temperature range matters—your heat pump needs to handle both extremes efficiently.
Climate Zone 7
Mixed climate zone with moderate winters and warm summers.
Climate Zone 7A
Avg. extreme winters: 0° to 5° F
Climate Zone 7B
Avg. extreme winters: 5° to 10° F
Eugene Electricity Prices
Understanding electricity costs in Eugene helps you make smarter decisions about home heating and cooling.
Oregon electricity rates have climbed significantly, jumping from 11.4 cents per kWh in 2021 to 14.6 cents in 2024. Heat pumps offer a practical response to rising rates, being 2-3x more efficient than traditional systems.
Price of Energy: Oregon vs National Average
0¢
10¢
20¢
30¢
| Year | Oregon | US Average |
|---|---|---|
| 2021 | 11.4¢ | 13.7¢ |
| 2022 | 14.6¢ | 15.0¢ |
| 2023 | 12.7¢ | 16.0¢ |
| 2024 | 14.6¢ | 16.5¢ |
Eugene Area Utility Providers
Eugene's electricity rates in 2023 averaged below both state and national benchmarks, making efficient electric systems attractive.
Eugene Utilities Electricity Rates
OR Average
12.70¢
US Average
16.0¢
Palmetto Reviews
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. The recommended repair threshold is $5,000.
| 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. |
| 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 | Needed when coils develop leaks or corrosion. |
| 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. |
Frequently Asked Questions
Do heat pumps make sense in Eugene?
Yes, heat pumps make excellent sense in Eugene. Modern heat pumps efficiently handle both heating and cooling needs year-round.
How efficient are heat pumps in Eugene's climate?
Heat pumps perform exceptionally well in Eugene's Climate Zone 7, often achieving 200-300% efficiency.
Should I lease or buy a heat pump in Eugene?
The choice between leasing and buying depends on your financial priorities. Palmetto's Comfort Plan offers $0 upfront with repairs included.
How much does a heat pump cost in Eugene?
Heat pump costs typically range from $5,000 to $15,000 for complete installation.
Is a heat pump worth it financially?
Yes, heat pumps are typically worth it financially in Eugene, especially with available incentives.
Who installs heat pumps in Eugene?
Licensed HVAC contractors install heat pumps, including Palmetto’s certified technicians.
What is the difference between a heat pump and HVAC?
A heat pump is a type of HVAC system that both heats and cools using electricity.