What homeowners reported paying to replace a heat pump system, next to a full AC system, plus efficiency minimums and the status of the federal tax credit.
Source: HVACPro analysis of 1,611 homeowner-reported quotes and invoices in public Reddit posts dated 2025-01-01 to 2026-09-29.
A $13,450 median for a heat pump system and $13,780 for a full AC system differ by far less than the width of either range, so our data does not show one costing clearly more. Some heat pump reports pair the heat pump with a furnace (dual fuel) or new ductwork, and we did not separate them.
The mini-split row is a separate ductless job. We did not split it by the number of indoor units or by whether the unit also heats.
Our size and Florida cuts combine AC and heat pump systems, so we cannot price a heat pump by tonnage or by state. In the combined data, Florida had a median of $12,000 across 55 reports. See the AC replacement cost guide for the size and region tables.
Reported price, U.S. dollars
Source: HVACPro analysis of 1,611 homeowner-reported quotes and invoices in public Reddit posts dated 2025-01-01 to 2026-09-29. N is the number of reports behind each row.
| Job | Median | Most (middle half) | Reports |
|---|---|---|---|
| Heat pump system | $13,450 | $10,000–$20,000 | 186 |
| Full system (outdoor unit plus air handler or furnace and coil) | $13,780 | $10,000–$18,000 | 402 |
| Outdoor unit plus indoor coil | $7,850 | $6,450–$10,000 | 68 |
| Mini-split (ductless) | $11,300 | $5,500–$19,140 | 87 |
DOE says the most common type is the air-source heat pump, which transfers heat between your home and the outside air, and that it provides cooling in summer as well as heating in winter. DOE says modern air-source heat pumps can reduce your electricity use by 50% compared to furnaces and baseboard heaters. ENERGY STAR says an air-source heat pump can deliver up to three times more heat energy to a home than the electrical energy it consumes.
Sources: U.S. DOE: Pump Up Your Savings with Heat Pumps; ENERGY STAR: Air-Source Heat Pumps. Pages opened 2026-09-30.
$13,450 Heat pump system (186 homeowner reports)
Source: HVACPro analysis of homeowner-reported quotes and invoices in public Reddit posts, 2025-01-01 to 2026-09-29. Homeowners reported these prices and we did not verify them.
Stock photo, not our work. Photo by Yusuf Çelik via Pexels.
The IRS says the energy efficient home improvement credit (section 25C), which listed heat pumps and central air conditioners as qualifying property, is not allowed for property placed in service after December 31, 2025. A heat pump installed in 2026 does not qualify.
Utility rebates are separate programs. The AC not cooling page lists the Tampa Bay utility rebates we track.
Sources: IRS: FAQs for modification of sections 25C, 25D, 25E, 30C, 30D, 45L, 45W, and 179D under Public Law 119-21; IRS: Energy Efficient Home Improvement Credit. Pages opened 2026-09-30.
DOE's standards for units made on or after January 1, 2023 require a split-system heat pump to be rated at least 14.3 SEER2 and 7.5 HSPF2. Heat pumps have no regional tier, so the same minimums apply in Florida and elsewhere.
ENERGY STAR certification for split-system heat pumps requires at least 15.2 SEER2, 7.8 HSPF2, and 11.0 EER2. We have no price data split by rating.
Sources: U.S. DOE (eCFR): 10 CFR 430.32, Energy and water conservation standards and their compliance dates; ENERGY STAR: Heat Pump Equipment Key Product Criteria. Pages opened 2026-09-30.
$13,780
Full AC and furnace system (402 homeowner reports)
Source: HVACPro analysis of homeowner-reported quotes and invoices in public Reddit posts, 2025-01-01 to 2026-09-29. Homeowners reported these prices and we did not verify them.
Sources: ENERGY STAR: Clean Heating and Cooling; AHRI: Air Conditioning System; ENERGY STAR: Duct Sealing; U.S. EPA: Technology Transitions HFC Restrictions by Sector; U.S. EPA: Frequent Questions on the Phasedown of Hydrofluorocarbons; ENERGY STAR: Heat & Cool Efficiently. Pages opened 2026-09-30.
The repair prices in the AC repair cost guide apply to the parts a heat pump shares with an AC. Trane and Lennox both suggest multiplying the unit's age by the repair cost and considering replacement if the result is over $5,000.
Lennox says heat pumps normally last an average of 15 years, though some wear out after a decade. ENERGY STAR suggests considering replacement once a heat pump or AC is more than 10 years old.
Sources: Trane: AC Replacement or AC Repair: What's Right for You?; Lennox: Deciding to Repair or Replace Your Air Conditioner; Lennox: How Long Do Air Conditioners Last; ENERGY STAR: When is it time to replace?. Pages opened 2026-09-30.
$11,300 Mini-split system (87 homeowner reports)
Source: HVACPro analysis of homeowner-reported quotes and invoices in public Reddit posts, 2025-01-01 to 2026-09-29. Homeowners reported these prices and we did not verify them.
Stock photo, not our work. Photo by ready made via Pexels.
Each price is the median of the reports for that job, and "most" is the middle half of them (25th to 75th percentile). Homeowners reported these prices and we did not verify them.
The reports are a mix of quotes homeowners received and invoices they paid, from U.S. posters, and we publish no price for a job with fewer than 10 reports. We link no individual post.
Open
Need a licensed HVAC pro in the Tampa Bay outer ring? Call and we'll connect you with a licensed local contractor.
HVACPro is a free referral service for homeowners, not an HVAC company. We don't do the work, and we may be paid by the contractor. Check any contractor's license on the state's lookup before you hire.
Every city below has an A-to-Z list of the businesses with an active Florida HVAC license there. The number on each chip is that count.
Counts: businesses with an active license and a city address in the Tampa Bay outer ring, from FL DBPR construction licensee extract (CONSTRUCTIONLICENSE_1.csv), retrieved 2026-10-05. A license says the state permits the work, not that the work is good.
Stock photo, not our work. Photo by Bingqian Li via Pexels.
Homeowners reported a median of $13,450 for a heat pump system, with most from $10,000–$20,000 (186 reports).
Not clearly, in our data. The heat pump system median was $13,450 and the full AC system median was $13,780, and each range is much wider than the gap between them.
Not for a 2026 installation. The IRS says the section 25C credit is not allowed for property placed in service after December 31, 2025.
DOE requires a split-system heat pump made on or after January 1, 2023 to be rated at least 14.3 SEER2 and 7.5 HSPF2. ENERGY STAR certification for split-system heat pumps requires at least 15.2 SEER2, 7.8 HSPF2, and 11.0 EER2.
Yes. DOE says heat pumps provide cooling in summer as well as heating in winter.
Source: HVACPro analysis of 1,611 homeowner-reported quotes and invoices in public Reddit posts dated 2025-01-01 to 2026-09-29. Other facts on this page come from the sources listed above.