Home / Heat Pump
Data last verified: August 2026Heat Pump Hub — Sizing, Cost & Rebates (2026)
Direct answer
A heat pump is the most efficient way to heat and cool a home — 2–4× more efficient than a gas furnace or resistance heat. In 2026 the federal 25C/25D tax credits have expired (Dec 31, 2025), so your savings now come from lower operating cost versus gas plus any state or utility rebate. Use the tools below to size a unit, compare 15-year cost against a furnace, and find rebates in your state.
Tools
Heat Pump Sizing Calculator
Estimate capacity (tons / BTU/h) from home size, climate zone, insulation, and window area — a simplified Manual J.
Open →Heat Pump vs Gas Furnace (15-yr TCO)
Compare 15-year total cost of ownership using your state electricity rate and gas price.
Open →Heat Pump Rebates by State
50-state table of state programs and utility rebates. Federal 25C/25D shown as EXPIRED.
Open →Why a heat pump in 2026
- Efficiency: modern cold-climate units deliver full heating capacity near −13°F and run 2–4× more efficiently than combustion heat.
- Paired with solar: a heat pump moves heating/cooling onto electricity your panels already make, instead of burning gas you have to buy.
- No federal credit — plan for rebates: with 25C/25D gone, check the 50-state rebate finder below and your utility before you buy. Some states (MA, CA, NY) still offer substantial incentives.
2026 policy reality
| Incentive | Status (2026) | What to do |
|---|---|---|
| Federal 25C (air-source heat pump) | EXPIRED 12/31/2025 | Use state & utility rebates |
| Federal 25D (geothermal) | EXPIRED 12/31/2025 | Use state & utility rebates |
| State heat-pump programs | Varies | See 50-state finder |
| Utility rebates | Often available | Ask your utility |
Disclaimer: Sizing and cost figures are simplified estimates for planning only, not a Manual J load calculation or a quote. Incentive amounts change — verify with your state energy office, utility, and a licensed HVAC contractor. Not HVAC, tax, or financial advice.
Data sources & methodology
- ACCA Manual J / ENERGY STARHeat-pump sizing guidance and climate-zone capacity rules.
- U.S. EIAResidential electricity rates (2026) and natural-gas prices by state (2026).
- State energy offices & utilitiesHeat-pump rebate programs (MA Mass Save, CA TECH, NY NYSERDA, etc.).
- One Big Beautiful Bill Act (2025)Ended federal 25C/25D residential heat-pump credits Dec 31, 2025.
Methodology and citations are maintained by the PVFig editorial team. Where an official schedule is not yet loaded, results are shown as model estimates and the source is stated as a reference.