Frisco, 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.
Frisco, TX Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on square footage. It uses ACCA-standard design conditions for Frisco, TX: 72°F indoor, 95°F outdoor for cooling, and 33°F for heating. 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.
| 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
Frisco, TX 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 Frisco homeowners.
Oncor Heat Pump Rebate
Up to $600
Oncor Electric Delivery offers rebates for qualifying high-efficiency heat pump installations in North Texas, including Frisco. Rebates are available on a first-come, first-served basis and vary based on system efficiency ratings and energy savings.
Eligibility: Available to Oncor residential customers in Frisco and surrounding North Texas areas. Equipment must meet current SEER2, EER2, and HSPF2 standards. A smart thermostat (US DOE-listed connected model) is mandatory to qualify.
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.
Frisco homeowners can access the Oncor heat pump rebate program (up to $600) for qualifying high-efficiency systems, which can be combined with the federal IRA tax credit (up to $2,000) for total savings of $1,500-$3,000 or more. While Texas state-level HOMES and HEAR rebate programs have not yet launched as of 2026, Palmetto can help homeowners maximize available utility and federal incentives to reduce installation costs and improve home energy efficiency.
Incentive information is based on publicly available data as of 2026 and may change. Contact program administrators to verify current availability and eligibility requirements.
Climate Zones
Frisco sits in IECC Climate Zone 10, which means mild winters (rarely dipping below 33°F) and hot summers (often reaching 95°F). This climate is ideal for heat pumps, but sizing matters—you need a system designed to handle those summer peaks without being oversized for winter. At Palmetto, we understand Frisco's unique conditions and can help you choose the right heat pump for year-round comfort. Explore other climate zones below or enter your ZIP code to confirm yours.
Climate Zone 10
Warm climate zone with mild winters and very hot summers.
Climate Zone 10A
Avg. extreme winters: 30° to 35° F
Climate Zone 10B
Avg. extreme winters: 35° to 40° F
Frisco Electricity Prices
Understanding electricity costs in Frisco helps you make smarter decisions about your home's heating and cooling systems.
Texas electricity rates have climbed steadily from 12.1 cents per kWh in 2021 to 14.9 cents in 2024—a 23% increase in just three years that directly impacts your monthly energy bills.
Heat pumps offer a practical response to rising rates. Because they're 2-3x more efficient than traditional HVAC systems, they use significantly less electricity to deliver the same heating and cooling comfort for your home.
Price of Energy: Texas vs National Average
| Year | Texas | US Average |
|---|---|---|
| 2021 | 12.1¢ | 13.7¢ |
| 2022 | 15.0¢ | 14.5¢ |
| 2023 | 13.8¢ | 16.0¢ |
| 2024 | 14.9¢ | — |
Source: US Bureau of Labor Statistics, Energy Information Administration, Form 861
Frisco Area Utility Providers
Frisco residents are served primarily by Denton County Electric Cooperative, which offered electricity at 12.8¢ per kWh in 2023—well below both the state average of 14.50¢ and the national average of 16.0¢.
Texas's deregulated energy market and abundant natural gas resources help keep electricity costs competitive. Denton County Electric Cooperative's rates reflect this advantage, making Frisco one of the more affordable areas for residential electricity in the state.
Frisco Utilities Electricity Rates
| Provider | Rate |
|---|---|
| Denton County Electric Cooperative | 12.80¢ |
| TX Average | 14.50¢ |
| US Average | 16.0¢ |
Source: US Energy Information Administration, 2023, Form 861, Table 6
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 Frisco?
Yes, heat pumps make excellent sense in Frisco. The area's Climate Zone 10 designation means mild winters (design temp: 33°F) and hot summers (design temp: 95°F)—ideal conditions where heat pumps operate most efficiently. They'll keep your home comfortable year-round while typically using less energy than traditional heating and cooling systems at Texas's current 14.9¢ per kWh electricity rate.
How efficient are heat pumps in Frisco's climate?
Heat pumps are highly efficient in Frisco's climate. As part of Climate Zone 10, with moderate winters (design temp: 33°F) and hot summers (design temp: 95°F), heat pumps can deliver 2-4 times more energy than they consume. This efficiency translates to lower utility bills compared to traditional HVAC systems, especially with Texas electricity rates at 14.9¢ per kWh.
Should I lease or buy a heat pump in Frisco?
The decision between leasing and buying a heat pump in Frisco depends on your financial priorities and preferences. Leasing through Palmetto's Comfort Plan requires $0 upfront and includes all maintenance and repairs, making it ideal if you want predictable costs without maintenance concerns. Buying outright means you own the equipment and may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act, plus local rebates.
How much does a heat pump cost in Frisco?
Heat pump costs in Frisco typically range from $5,000 to $15,000 for a complete installation, depending on your home's size, existing ductwork, and the system's efficiency rating.
Is a heat pump worth it financially?
Yes, heat pumps are typically worth it financially in Frisco. With Texas electricity rates at 14.9¢ per kWh, heat pumps can significantly reduce your heating and cooling costs since they move heat rather than generate it, making them two to three times more efficient than traditional systems.
Who installs heat pumps in Frisco?
In Frisco, licensed HVAC contractors install heat pumps, including companies like Palmetto that specialize in home energy solutions.