Fort Worth, TX 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.
Fort Worth, TX Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on Fort Worth’s ACCA-standard design conditions: 95°F cooling and 33°F heating, 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.
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
There's no wrong way to get cozy. Here's how the options stack up, so you can choose what works best for you.
| Options | 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 |
Local Incentives
Heat Pump Financing in Fort Worth
Unfortunately, active heat pump rebate programs are not currently available in Fort Worth, TX in 2026. However, homeowners with geothermal heat pump systems can claim a 30% federal tax credit through 2032. Palmetto's Comfort Plan lease offers an alternative path to heat pump installation with $0 upfront cost.
Federal Geothermal Tax Credit
30% of the total cost.
Eligibility: Available to homeowners who purchase and install a qualifying geothermal heat pump system in their primary residence. Claimed on your annual federal tax return.
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.
Climate Zones
Fort Worth sits in IECC Climate Zone 10, characterized by mild winters (design temp: 33°F) and hot summers (design temp: 95°F). This requires a heat pump that can manage both heating and cooling effectively.
Climate Zone 10
Warm climate zone with mild winters and very hot summers.
Fort Worth Electricity Prices
Understanding Fort Worth's electricity costs helps you make smarter decisions about home heating and cooling.
Texas electricity rates have risen 23% since 2021. Heat pumps are 2-3x more efficient than traditional HVAC systems, using significantly less electricity.
Price of Energy: Texas vs National Average
| Year | Texas | US Average |
|---|---|---|
| 2021 | 12.1¢ | 13.7¢ |
| 2022 | 14.5¢ | 13.8¢ |
| 2023 | 14.9¢ | 16.0¢ |
Fort Worth Area Utility Providers
Fort Worth residents are served by two main electric cooperatives. Denton County Electric Cooperative charges 12.8¢ per kWh, while Tri-County Electric Cooperative charges 14.1¢ per kWh.
Repair versus replace
When a heat pump is in need of repair, it is worth considering whether a replacement would be a better investment. 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 |
| Refrigerant Recharge | $250 - $750 | Needed when the system loses cooling or heating efficiency due to low refrigerant levels. |
| 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 | 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 Fort Worth?
Yes, heat pumps make excellent sense in Fort Worth. The city's Climate Zone 10 designation is ideal for heat pump efficiency.
How efficient are heat pumps in Fort Worth's climate?
Heat pumps perform exceptionally well in Fort Worth, maintaining efficiency even during the coldest days.
Should I lease or buy a heat pump in Fort Worth?
The choice between leasing and buying depends on your financial priorities and homeownership plans.
How much does a heat pump cost in Fort Worth?
Heat pump costs typically range from $5,000 to $15,000 for a complete installation.
Is a heat pump worth it financially?
Yes, heat pumps are financially worth it for most Fort Worth homeowners.
Who installs heat pumps in Fort Worth?
Heat pumps in Fort Worth are installed by licensed HVAC contractors who specialize in heating and cooling systems.
What is the difference between a heat pump and HVAC?
HVAC stands for Heating, Ventilation, and Air Conditioning—the complete system that controls your home's climate. A heat pump is a type of HVAC system that both heats and cools your home efficiently.