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1-zone to 4-zone pricing, NHSaves rebates of $250-1,250 per ton, brand comparison for NH cold climate, and the real numbers on oil vs. mini-split savings at $0.27/kWh.
$3-5K
1-Zone Installed
$250-1,250/ton
NHSaves Rebate
-22°F
Operates Down To
$0.27/kWh
NH Electric Rate
All prices are installed costs including equipment, labor, and standard NH permitting. NHSaves rebates shown as a range based on system capacity and efficiency tier.
9,000-18,000 BTU (0.75-1.5 ton) · Best for: Primary living area, master bedroom, or garage addition
Installed Cost
$3,000-5,000
NHSaves Rebate
$190-1,875
Est. Net Cost
$2,800-4,100
18,000-27,000 BTU (1.5-2.25 ton) · Best for: Main floor + master bedroom, or two primary areas
Installed Cost
$6,000-9,000
NHSaves Rebate
$375-2,813
Est. Net Cost
$5,600-7,800
27,000-36,000 BTU (2.25-3 ton) · Best for: Main floor, bedrooms, and primary addition or bonus room
Installed Cost
$9,000-13,000
NHSaves Rebate
$563-3,750
Est. Net Cost
$8,000-11,000
36,000-48,000 BTU (3-4 ton) · Best for: Full whole-home conversion, larger NH homes
Installed Cost
$12,000-18,000
NHSaves Rebate
$750-5,000
Est. Net Cost
$10,500-15,000
Costs are 2026 NH estimates. NHSaves rebate range assumes $250-1,250/ton eligibility — verify current rates at nhsaves.com. Income-eligible households may qualify for higher rebates or free installation.
NHSaves is a utility-funded energy efficiency program offered by Eversource NH, Liberty, Unitil, and NHEC. It provides rebates for qualifying heat pump installations through participating contractors.
$250-750/ton
Up to $1,250/ton
Income-Eligible Households
NH households at or below 60% of Area Median Income may qualify for the NHSaves income-eligible heat pump program, which can cover 100% of installation costs. Contact your utility directly or call 1-866-356-4357.
NHSaves Income-Eligible ProgramsNH winters require systems that maintain heat output at 0°F and below. Not all mini-splits are built for this.
| Brand | Min Op. Temp | HSPF2 | Warranty | NH Fit | Tier |
|---|---|---|---|---|---|
| Mitsubishi Hyper Heat | -22°F | Up to 10.0 | 12 yr parts, 7 yr comp. | Best | Premium |
| Daikin 17 Series | -13°F | Up to 9.5 | 12 yr parts/comp. | Excellent | Premium |
| Fujitsu Halcyon | -13°F | Up to 9.0 | 10 yr parts, 5 yr comp. | Very Good | Mid-Premium |
| LG Prestige | -13°F | Up to 8.5 | 7 yr parts, 5 yr comp. | Good | Mid-Range |
| Bosch Inverter Ducted | -13°F | Up to 8.8 | 10 yr parts/comp. | Good | Mid-Range |
Based on NH average oil price ~$3.50/gallon and electric rate ~$0.27/kWh (Eversource NH). Mini-split COP assumed at 2.5 in heating mode at NH design conditions.
| Factor | Oil Heat | Mini-Split Electric | Savings (Mini-Split) |
|---|---|---|---|
| Fuel cost (annually) | $2,100-2,800 (600-800 gal @ $3.50) | $980-1,400 (3,600-5,200 kWh @ $0.27) | $700-1,400/yr |
| Equipment life | 20-25 years (boiler) | 15-20 years (mini-split) | Roughly equal |
| Maintenance | $150-250/yr (annual tune-up) | $0-100/yr (filter cleaning) | $100-200/yr |
| Carbon emissions | ~7.5 tons CO₂/yr | ~1.5-2 tons CO₂/yr at NH grid | ~5-6 tons/yr avoided |
| NHSaves rebate | $0 | $250-1,250/ton (qualifying systems) | Upfront cost reduction |
Oil price $3.50/gal (NH avg 2026). Electric $0.27/kWh (Eversource NH). Mini-split COP 2.5 at design temp. Actual results vary by home insulation, system size, and usage.
When you pair a mini-split with rooftop solar in New Hampshire, your electricity becomes dramatically cheaper — and the more electricity you use for heating, the more you save. A typical 8 kW solar system produces ~10,400 kWh/year. A cold-climate mini-split handling the primary heating load uses ~3,600-5,200 kWh/year — a perfect match.
Avg Solar Production
10,400 kWh/yr
8 kW system, NH latitude
Mini-Split Heat Use
3,600-5,200 kWh/yr
For partial home heating
Est. Annual Savings
$2,400-3,500/yr
Solar NEM + oil offset combined
A single-zone mini-split in NH costs $3,000-5,000 installed. Two-zone systems run $6,000-9,000, three-zone $9,000-13,000, and four-zone or whole-home systems $12,000-18,000. Costs vary by brand (Mitsubishi and Daikin are premium; LG and Carrier are mid-range), system capacity (tons), and installation complexity. NHSaves rebates of $250-1,250 per ton reduce these costs further for qualifying systems.
NHSaves (administered by Eversource NH, Liberty, Unitil, and NHEC) offers rebates of $250-1,250 per ton of cooling capacity for qualifying cold-climate mini-splits. A typical 1.5-ton single-zone system qualifies for $375-1,875 in rebates. Systems must meet minimum efficiency ratings (typically SEER2 ≥ 15, HSPF2 ≥ 8.5) and be installed by a participating NHSaves contractor. Income-eligible households may qualify for enhanced rebates or 100% installation assistance.
Yes — modern cold-climate mini-splits are designed for exactly this. The Mitsubishi Hyper Heat and Daikin Fit operate down to -22°F to -13°F, well below NH's typical design temperature of 0°F to -10°F. At 0°F, these systems maintain 75-85% of rated heating capacity. The key is choosing a system with an H1 (47°F) COP of at least 3.5 and maintaining adequate heating output at 5°F.
A typical NH home heating with 700 gallons of oil per year at $3.50/gallon spends $2,450/year. Replacing half the heating load with a mini-split at $0.27/kWh and a COP of 2.5 in heating mode costs approximately $980/year for that portion — a savings of roughly $700-900/year for a partial conversion, or $1,200-1,600/year for a full whole-home conversion. Actual savings depend on your insulation, home size, and the extent of electrification.
Zoning depends on your home's layout and how you heat it. Many NH homeowners start with 1-2 zones covering the main living area and master bedroom, supplementing existing oil or propane heat for the shoulder season. A full whole-home conversion typically requires 3-5 zones for a standard 1,500-2,500 sq ft NH home, or a ducted mini-split system (Mitsubishi SVZ / Daikin Air Handler) that uses existing ductwork.
For New Hampshire cold climates, the top-rated brands are: Mitsubishi Hyper Heat (operates to -22°F, industry-leading low-temperature performance), Daikin 17 Series/Fit (down to -13°F, energy-efficient), Fujitsu Halcyon (-13°F, strong mid-tier option), Bosch (emerging brand, competitive pricing, -13°F), and LG Prestige (-13°F, solid value). Avoid brands without documented cold-climate performance specifications — generic or off-brand units often fail below 15°F.
NH Heat Pump Cost 2026
Full heat pump pricing guide for NH
NHSaves Program Guide
All NHSaves rebates and programs
Ducted vs Ductless NH
Which system fits your NH home?
Solar + Heat Pump NH
The NH electrification bundle
NH Heat Pump vs Oil
Detailed oil-to-electric comparison
NH Cold Climate Heat Pumps
Best units for NH winter temperatures
NuWatt installs cold-climate mini-splits across New Hampshire and coordinates NHSaves rebates on your behalf. We also design solar + mini-split bundles for maximum savings.