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Pennsylvania heat pump prices vary by system type, metro area, and climate zone. A ducted central system averages $17,000 statewide, while mini-splits start at $3,000. With the federal 25C credit expired, understanding net cost after utility rebates is critical.
$3K-$5K
Mini-Split
Single zone
$12K-$22K
Ducted Central
Most common
$10K-$18K
Multi-Zone
3-4 heads
$14K-$24K
Hybrid
HP + gas backup
Each heat pump type serves a different need in Pennsylvania. Your choice depends on your existing ductwork, home layout, number of zones needed, and comfort with all-electric heating in cold Zone 5A/6A winters.
One indoor head, one outdoor unit. Ideal for single-room additions, sunrooms, or supplemental heating/cooling in older PA homes without ductwork.
Multiple indoor heads on one outdoor unit. Popular for multi-story PA colonials, farmhouses, and older homes where adding ductwork is impractical.
Replaces central AC + gas/oil furnace using existing ductwork. Most common choice for PA homes converting to heat pump. Handles both heating and cooling.
Heat pump paired with existing gas or oil furnace as backup. Smart thermostat auto-switches at balance point (~25–30°F). Popular in Zone 5A where winter design temps hit single digits.
Prices include equipment and standard installation. Complex retrofits, electrical upgrades, or ductwork modifications may add $2,000-$5,000.
Labor costs and local market conditions create price differences across Pennsylvania. Philadelphia has the highest costs due to labor rates and dense housing stock, while central and rural PA tends to be more affordable.
| Metro | Low | Average | High | Notes |
|---|---|---|---|---|
| Philadelphia | $14,000 | $18,000 | $22,000 | Highest labor costs in PA. Dense rowhome housing stock may complicate outdoor unit placement. PECO territory — stack with EAP for up to $1,700+ in rebates. Zone 4A, milder winters than rest of PA. |
| Pittsburgh | $13,500 | $17,250 | $21,000 | Second-largest PA metro. Duquesne Light territory. Older housing stock with basements. Zone 5A — cold-climate models recommended. Many oil-to-HP and gas-to-HP conversions. |
| Allentown / Lehigh Valley | $13,000 | $16,500 | $20,000 | Growing metro with moderate labor costs. PPL Electric territory — $350–$450 tiered rebates. Zone 5A. Mix of suburban and older row/twin housing. |
| Harrisburg | $12,500 | $16,250 | $20,000 | State capital region with moderate costs. PPL Electric territory. Zone 5A. Good contractor availability due to central location. |
| Scranton / Wilkes-Barre | $13,000 | $16,500 | $20,000 | Northeastern PA coal region — many older homes with oil/coal conversions. PPL Electric territory. Zone 5A, cold winters. Cold-climate HP models strongly recommended. |
| Erie | $13,000 | $16,500 | $20,000 | Lake Erie effect snow belt — coldest PA metro. Penelec (FirstEnergy) territory. Zone 5A bordering 6A. Cold-climate models essential. Higher humidity from lake effect. |
| Lancaster | $12,500 | $15,750 | $19,000 | South-central PA with moderate costs. Met-Ed (FirstEnergy) territory. Zone 5A but milder end. Mix of suburban homes and rural farmhouses. |
Average costs for a ducted central heat pump system. Mini-split and hybrid costs vary. Source: contractor survey data, February 2026.
With the federal 25C credit expired, your utility rebate is the primary way to reduce up-front cost. PECO customers with EAP stacking see the biggest difference.
Philadelphia metro. Includes $300 base + $1,400 EAP + $250 hybrid adder.
Lehigh Valley / Harrisburg area. $450 max ASHP rebate.
Reading, York, Erie, State College. Up to $500 per ASHP.
Without the federal tax credit, financing becomes even more important. Here are the most common ways to fund a heat pump installation in Pennsylvania.
Many brands (Carrier, Trane, Lennox) offer 0% APR for 12-36 months through dealer programs. Check for seasonal promotions.
Home equity loans or lines of credit offer lower interest rates (6-9% as of early 2026). Interest may be tax-deductible on home improvements.
Unsecured personal loans from $5K-$50K. Rates vary from 7-15% based on credit. Quick approval, no home equity required.
Some PA utilities offer on-bill repayment programs. Check with your specific EDC for availability. Terms and rates vary.
Pennsylvania spans three IECC climate zones. Colder zones require cold-climate rated equipment, which can add to the system cost but pays off in heating performance.
Winter design temp: 8–13°F
HDD: 4,800–5,400
Cold-climate required: Recommended
IECC Zone 4A (Mixed-Humid) — mildest PA climate zone. Design temps above 5°F. Standard heat pump models perform well, though cold-climate models still recommended for best efficiency. Humidity can be a factor in summer.
Metros: Philadelphia, Chester, Media, Doylestown
Winter design temp: -2 to 6°F
HDD: 5,700–6,600
Cold-climate required: Yes
IECC Zone 5A (Cool-Humid) — covers most of Pennsylvania. Winter design temps in single digits or below zero. Cold-climate (ccASHP) models strongly recommended to maintain capacity below 15°F. Hybrid/dual-fuel systems popular for peace of mind.
Metros: Pittsburgh, Allentown, Harrisburg, Scranton, State College, Erie, Lancaster, York, Reading
Winter design temp: -5 to -10°F
HDD: 6,600–7,500
Cold-climate required: Yes
Possible IECC Zone 6A for extreme northern PA counties. Coldest temperatures in the state. Cold-climate models essential. Hybrid systems strongly recommended. Limited contractor availability in rural areas.
Metros: Clearfield, Elk, Cameron, Potter
Select your utility, system type, and size to see estimated installation cost and net price after rebates.
Greater Philadelphia / Southeast PA
Central ducted system replacing furnace + AC
3 ton(s) (most PA homes: 2-4 tons)
Based on your energy efficiency savings level
PECO EAP Program: PECO offers additional Energy Assessment Program (EAP) rebates on top of standard ASHP rebates. Tier 1: $500, Tier 2: $1,000, Tier 3: $1,400 based on energy savings achieved. Plus $250 hybrid heat pump adder.
Estimates based on 2026 PA utility rebate programs. Actual rebate and installation cost determined by your contractor and utility. Federal 25C tax credit expired Dec 31, 2025 -- not included.
In Pennsylvania, a ducted central heat pump costs $12,000-$22,000 installed, with the statewide average around $17,000. A single-zone ductless mini-split runs $3,000-$5,000. Multi-zone ductless systems cost $10,000-$18,000. Hybrid heat pump systems with gas/oil backup range from $14,000-$24,000. Philadelphia has the highest labor costs, while rural areas like Lancaster tend to be lower.
Philadelphia has the highest heat pump installation costs in PA due to higher labor rates, dense rowhome housing stock that can complicate outdoor unit placement, and strong demand in the PECO service territory. However, Philadelphia-area customers also have access to the highest rebates through PECO + EAP stacking (up to $1,700+).
Hybrid (dual-fuel) systems are popular in PA, especially in Zone 5A, because they pair a heat pump with your existing gas or oil furnace as backup for the coldest days (below about 25-30°F). While they cost $14,000-$24,000, they provide peace of mind and avoid the edge cases where a heat pump alone may struggle in sub-zero temperatures. PECO customers get a $250 dual-fuel adder bonus.
With the federal 25C credit expired, PA homeowners can finance heat pumps through traditional HVAC financing (often 0% APR for 12-36 months through manufacturers), home equity loans or HELOCs, personal loans, or utility on-bill financing where available. Some contractors also offer in-house financing. The pending HEAR program (Penn Energy Savers) would provide direct rebates but is not yet available.
For most PA homes in Zone 5A (Pittsburgh, Allentown, Harrisburg, Scranton), a cold-climate ducted central heat pump or hybrid system is recommended. Zone 4A (Philadelphia/SE PA) can use standard or cold-climate models. Single-zone ductless mini-splits are ideal for supplemental heating in older homes without ductwork. Multi-zone ductless systems work well for older colonials and farmhouses.
Savings depend heavily on your current fuel. Switching from heating oil ($3.40/gal) or propane ($2.85/gal) can save $1,000-$1,400+ per year. Switching from natural gas ($1.60/therm) with a high-efficiency furnace saves much less — roughly $200-$500/year — because PA gas prices are relatively low. Electric resistance to heat pump conversions can save $1,500+ per year.
Online estimates are a starting point. Get personalized quotes from vetted, HICRA-registered installers in your area for exact pricing.