Full heat pump systems reported a median $13,450, and three ring utilities pay rebates on them.
Prices: HVACPro analysis of 186 homeowner-reported quotes and invoices in public Reddit posts, 2025-01-01 to 2026-09-29. Licenses: FL DBPR construction licensee extract (CONSTRUCTIONLICENSE_1.csv), retrieved 2026-10-05.
Reported price, U.S. dollars
Source for every price on this page: HVACPro analysis of homeowner-reported quotes and invoices in public Reddit posts, 2025-01-01 to 2026-09-29. Repair figures are U.S.-wide; only rows marked Florida are Florida. The posts do not always say what a price included, and people who post are not a random sample. N is the number of quotes behind each figure.
| Job | Median | Middle half | Reports (N) |
|---|---|---|---|
| Full heat pump system | $13,450 | $10,000 to $20,000 | 186 |
| Full system, Florida (AC or heat pump combined) | $12,000 | $9,400 to $15,600 | 55 |
Stock photo, not our work. Photo by ready made via Pexels.
A heat pump replaces the AC and the heat source with one outdoor unit and one indoor unit. ENERGY STAR says it uses the same ductwork as an existing central AC or furnace, so no other renovations or electrical upgrades are required, and that replacing an older central AC with an ENERGY STAR certified heat pump could save nearly $600 over the product's life on cooling costs alone (ENERGY STAR heat pump guide).
In the ring that is a natural fit. 91 percent of homes heat with electricity (Census ACS) and only 6 percent with utility gas, so most homes have no gas furnace to keep. Federal minimums for a split-system heat pump are 14.3 SEER2 and 7.5 HSPF2 (DOE 2023 standards FAQ), and the utility programs below require more.
The reported median is $13,450 across 186 reports, with the middle half at $10,000 to $20,000. The rebate programs subtract a small share of that. The largest, Duke Energy Florida's $1,000 for a higher-efficiency heat pump replacing strip heat, is under a tenth of the reported median, so compare bids on the efficiency ratings and the net cost, not on the rebate alone.
Simplified drawing, not to scale. Real systems vary: the indoor unit can sit in an attic or closet, the ducts can run in the attic or under the floor. A heat pump has these same parts and also runs in reverse to heat. Original illustration, not a photo.
Compare like with like. Heat pump systems reported a median $13,450 and Florida AC-or-heat-pump systems reported $12,000, but the two groups are different samples, so the difference is not the price of adding heat. Ask each bidder for one price for the AC and one for the heat pump on the same home.
A heat pump that will not heat or cool is not always a dead heat pump. Rule out the filter, thermostat settings, breaker and a blocked outdoor unit before you accept a replacement quote.
Stock photo, not our work. Photo by Anh-Bao Tran-Le via Pexels.
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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.
A business with offices in two cities counts in each city's list. The city chips above open each A-to-Z list.
Number of businesses; a business with licenses in several classes counts once, at its highest
Source: FL DBPR construction licensee extract (CONSTRUCTIONLICENSE_1.csv), retrieved 2026-10-05; license classes per F.S. 489.105. Registered licenses are valid only where registered.
Source: FL DBPR construction licensee extract (CONSTRUCTIONLICENSE_1.csv), retrieved 2026-10-05. A license says the state permits the work; it says nothing about quality. Check any license on the state's live lookup before you hire. No ratings, rankings or reviews.
Duke Energy Florida runs a program specifically for replacing strip heat with a heat pump, which confirms that strip heat is common enough in Florida homes for a utility to pay to remove it. Every program has an efficiency floor, timing rules and a required step, so read each one before you sign.
| Program | Utility | Amount | Equipment |
|---|---|---|---|
| Heating & Cooling Program: standard tier | Tampa Electric | $40 for SEER 16.0 / SEER2 15.2 | Ducted heat pump; straight-cool with new natural-gas furnace (propane does not qualify); geothermal (14.0 EER). Ductless mini splits not eligible. |
| Heating & Cooling Program: high-efficiency tier | Tampa Electric | $550 for SEER 17.0 / SEER2 16.2 | Ducted heat pump; straight-cool with new natural-gas furnace (propane does not qualify); geothermal (15.0 EER). Ductless mini splits not eligible. |
| Home Energy Improvement: heat pump upgrade | Duke Energy Florida | $500 | Heat pump replacing existing heat pump, min 16 SEER/9.0 HSPF or 15.2 SEER2/7.5 HSPF2 |
| Home Energy Improvement: strip-heat replacement (high efficiency) | Duke Energy Florida | $600 | Heat pump replacing strip heat, min 16.0 SEER/9.0 HSPF or 15.2 SEER2/7.5 HSPF2 |
| Home Energy Improvement: strip-heat replacement (higher efficiency) | Duke Energy Florida | $1,000 | Heat pump replacing strip heat, min 16.8 SEER/9.0 HSPF or 16 SEER2/7.5 HSPF2 |
| Energy Efficient Heat Pump Rebate | Lakeland Electric | $450 (mini split $225 per condensing unit) | Heat pump or straight AC with gas furnace, min 15.2 SEER2 (mini split heat pump $225 per condensing unit, max 2). Straight cool with electric resistance heating does not qualify. |
Cities we map to each utility:
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.
Stock photo, not our work. Photo by Bingqian Li via Pexels.
Homeowners reported a median $13,450 for a full heat pump system across 186 reports, with the middle half at $10,000 to $20,000.
Tampa Electric, Duke Energy Florida and Lakeland Electric each have a program on file. The table above lists amount, efficiency floor and cities we map to each.
ENERGY STAR says a central heat pump uses the same ductwork as a current central AC or furnace (ENERGY STAR heat pump guide). If the ducts leak, which ENERGY STAR says is typical to 20 to 30 percent of air (ENERGY STAR duct sealing), fix them at the same time.
In summer it cools the same way an AC does, and ENERGY STAR says it can be even more efficient. It also heats, and ENERGY STAR puts winter heating at roughly one-third the cost of electric heating (ENERGY STAR heat pump guide). 91 percent of ring homes heat with electricity, though the Census does not say how many already have a heat pump.
These questions come from the topic clusters below in our research on 2,095 mined questions (Repair vs. replace, new system, sizing, installation: 94; Heat pump problems (aux heat, defrost, not heating): 66; High electric bills / efficiency / SEER: 9). The wording and answers are ours; we do not republish anyone's post.
$13,450
Full heat pump system: median reported price, from 186 homeowner reports
HVACPro analysis of 186 homeowner-reported quotes and invoices in public Reddit posts, 2025-01-01 to 2026-09-29.