Gilbert, AZ Heat Pump Leasing & Installation
In this guide
01
Benefits of Palmetto Heat Pumps
Say goodbye to clunky old systems and surprise repairs. Palmetto Comfort Plan gives you a brand-new heat pump, installation, and full support, all wrapped into one subscription.
Year Round Comfort
A high-efficiency heat pump keeps your home cool in summer, warm in winter, and your energy use in check all year long.
Forget the maintenance
With a Comfort Plan subscription, installation and maintenance are fully covered, no surprise bills, no weekend DIY.
Rewards for renewing
Stick with us and earn credits toward your next system upgrade. It’s our way of saying thanks for building a cleaner, comfier future with us.
02
Gilbert, AZ Heat Pump Load Calculator
This calculator uses the square-foot method to estimate your home’s heating and cooling needs. For Gilbert, AZ, it uses ACCA-standard design conditions: 72°F indoors, 110°F outdoors for cooling, and 60°F for heating. For an official Manual J load calculation and quote, get in touch with Palmetto’s team. Get in touch with our team for an official quote.
Step 1 of 3
Home location & size
Your home’s location and size directly impact heating needs.
Step 2 of 3
Home attributes
Step 3 of 3
Additional details
Description of what this means for context.
Estimated Heating Needs
Your home’s location falls within the a climate zone with the average extreme winter falling between 10° – 15° F.
Home Details
Recommended equipment capacity
60,000 BTU
5 Tons
Calculated Cooling Mode
102,000 BTU
8.5 Tons
03
Buy it or finance it. Your comfort, your call
There's no wrong way to get cozy. Here's how the options stack up, so you can choose what works best for you.
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Cash |
Loan |
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|---|---|---|---|
| Payment schedule | $0 upfront, then monthly subscription | Full price upfront | $0 upfront, then monthly payment |
| Term length | 10 or 12 years | None | Variable |
| End of term options | Flexible with 25% renewal term credits to new system | No credits to new system | No credits to new system |
| Maintenance included | |||
| Eligible for incentives |
Cash
Loan
Local Incentives
Gilbert, AZ Heat Pump Rebates & Incentives
Local and federal incentive programs can significantly reduce the cost of a new heat pump system. Here are the programs available to Gilbert homeowners.
Efficiency Arizona HEAR
Up to $8,000This statewide income-qualified rebate program is accepting applications under its 2026 guidelines and offers rebates for qualifying heat pumps.
SRP Cool Cash
Up to $225/tonSRP offers a per-ton rebate for qualifying high-efficiency heat pumps, with the amount based on system type and efficiency.
Gilbert homeowners may qualify for Efficiency Arizona HEAR rebates, and SRP customers may also be eligible for Cool Cash depending on their address and equipment. Palmetto can help homeowners check eligibility, apply, and identify opportunities to maximize eligible rebates.
Incentive information is based on publicly available data as of 2026 and may change. Contact program administrators to verify current availability and eligibility requirements.
04
Climate Zones
Gilbert sits in USDA Hardiness Zone 13, where winters are mild and summers are intensely hot. For heat pump planning, the area's design temperatures—60°F for heating and 110°F for cooling—show why a system must handle high cooling demand and keep rooms comfortable on cooler nights. Palmetto understands Gilbert's climate and can recommend a properly sized system. Explore other zones below or enter your ZIP code to confirm your zone.
Climate Zone 1
Climate zone 1 is not typically seen within the United States outside of Alaska. It represents the coldest climates on the planet.
Climate Zone 1A
Avg. extreme winters: -60° to -55° F
Climate Zone 1B
Avg. extreme winters: -55° to -50° F
Gilbert Electricity Prices
Gilbert electricity rates are climbing—but how much energy your home needs matters, too.
Arizona’s average electricity price rose from 12.5 cents per kilowatt-hour in 2021 to 14.9 cents in 2024. That’s still below the 2024 national average of 16.5 cents, as the chart shows.
For Gilbert homes, a heat pump can help manage energy use by delivering the same heating or cooling with less electricity. Heat pumps can be 2–3 times more efficient than traditional HVAC systems.
Using less electricity for comfort can help limit the impact of future rate increases. Over time, a heat pump’s efficiency may offer lasting value as energy costs change.
Price of Energy: Arizona vs National Average
Gilbert Area Utility Providers
Gilbert homes may receive electricity from APS or SRP, and their 2023 average rates differed. 2024 data isn’t available yet: APS averaged 15.3¢ per kWh and SRP 12.5¢.
APS’s 2023 average was 1.3¢ per kWh above Arizona’s 14.0¢ state average, but 0.7¢ below the 16.0¢ national average. These comparisons show how a utility’s local rate can differ from broader averages.
SRP averaged 1.5¢ below the state average and 3.5¢ below the national average. Electricity costs matter, but efficient heat pumps can reduce total energy spending compared with traditional HVAC, even where electricity rates are higher.
Gilbert Utilities Electricity Rates
Let our smart tools do the heavy lifting.
Get personalized tips, usage insights, project tracking, and that daily satisfaction of making your energy work smarter with the Palmetto mobile app.
- Rewards for smarter energy usage
- Energy insights & Dashboard
- Personalized Savings Tools
- Whole Home Energy Management
- Support Whenever You Need It
Repair versus replace
When a heat pump is in need of repair it is worth considering whether a replacement would be a better investment. While each case is unique, we generally recommend investing in a new unit when repairs exceed $5,000.
A heat pump's lifetime is impacted by a number of factors including environment, use and the quality of the unit. It's important to choose the right unit for your climate zone and home's unique attributes.
When you are in need of repair, we recommend choosing a service provider that is an expert in the heat pump brand you have installed, and checking online reviews to ensure you are investing in the right level of service.
| Potential repair | Cost range | Description |
|---|---|---|
| Capacitor Replacement | $150 - $400 | Common issue when unit struggles to start or makes a humming noise. Capacitors store the electrical energy needed to start the compressor and fan motors. |
| Refrigerant Recharge | $250 - $750 | Needed when the system loses cooling or heating efficiency due to low refrigerant levels. Includes leak detection, repair of minor leaks, and recharging the system to the manufacturer-specified level. |
| Reversing Valve Replacement | $450 - $900 | Required when the unit cannot switch between heating and cooling modes. The reversing valve directs refrigerant flow and is unique to heat pump systems. |
| Compressor Replacement | $1,500 - $3,000 | Major repair needed when the unit fails to heat or cool entirely. The compressor is the heart of the system, circulating refrigerant between the indoor and outdoor coils. |
| Evaporator/Condenser Coil Replacement | $1,200 - $2,800 | Replacement needed when coils develop leaks or corrosion that cannot be economically repaired. Coil damage reduces heat transfer efficiency and can cause refrigerant loss. |
| Control Board Replacement | $500 - $1,200 | Required when the system has electrical failures or erratic behavior. The control board manages all system operations including defrost cycles, fan speeds, and compressor staging. |
| Full System Replacement | $4,500 - $8,000+ | When repairs exceed the value of the unit or multiple major components fail simultaneously. Includes removal of the old system and installation of a new heat pump with updated refrigerant lines and electrical connections. |
Frequently Asked Questions
Yes. Heat pumps can make sense in Gilbert because they provide both heating and cooling, which suits the area’s hot summers and mild winters. Gilbert is in Climate Zone 13, with design temperatures of 110°F for cooling and 60°F for heating. At Arizona’s 14.9¢ per kWh, operating costs depend on efficiency and usage.
A well-sized system and home condition affect results. Palmetto’s Comfort Plan has $0 upfront, predictable monthly payments, and maintenance, repairs, and warranty coverage for the plan’s life. Direct purchase means you own the equipment and may qualify for active state or utility rebates; no federal heat pump tax credit applies to 2026 installations.
Heat pumps can work efficiently in Gilbert because the area’s mild design heating temperature—60°F in Climate Zone 13—means they usually have less cold-weather work than systems in colder regions. They also provide efficient cooling, but equipment must be correctly sized for the 110°F design cooling temperature and installed well.
At Arizona’s electricity price of 14.9¢ per kWh, actual running costs depend on the heat pump’s efficiency, thermostat settings, home insulation, and electricity use. Proper load calculations and duct checks help the system meet Gilbert’s summer demand. Palmetto offers a Comfort Plan or direct purchase; ask about currently available local rebates.
In Gilbert, leasing through Palmetto’s Comfort Plan means no upfront cost, a predictable monthly payment, and maintenance, repairs, and warranty coverage for the plan’s life. Buying requires a one-time payment and gives you outright ownership. Choose based on whether you value lower initial cost and included service or ownership and control.
Gilbert’s Climate Zone 13 has design temperatures of 60°F for heating and 110°F for cooling, while Arizona electricity averages 14.9¢/kWh; these affect operating costs, not your financing choice. Direct buyers may qualify for state or utility rebates when available. No federal heat pump tax credit applies to systems installed in 2026.
Heat pump installation in Gilbert does not have one standard price; the total depends on home size, equipment capacity, ductwork, and installation needs. A home assessment is needed for an accurate quote. Arizona electricity averages 14.9¢ per kWh, which affects operating costs but is separate from the installation price.
With Palmetto’s Comfort Plan, there is $0 upfront, with a predictable monthly payment and maintenance, repairs, and warranty coverage included for the plan’s life. Direct purchase requires a one-time payment and gives you ownership; eligible state or utility rebates may apply. Federal heat pump tax credits are not available for systems installed in 2026.
A heat pump can be financially worthwhile in Gilbert, but savings depend on your current system, energy use, and installation cost. Arizona electricity averages 14.9¢ per kWh, so compare projected operating costs with your existing equipment; in Climate Zone 13, systems must handle 110°F design cooling and 60°F design heating.
Palmetto’s Comfort Plan has $0 upfront cost, predictable monthly payments, and includes maintenance, repairs, and warranty coverage, which can make costs easier to plan. Direct purchase means owning the system and may qualify for active state or utility rebates. For systems installed in 2026, federal heat pump tax credits are no longer available.
Heat pumps in Gilbert are installed by HVAC contractors experienced with heating and cooling systems. Palmetto offers Gilbert homeowners heat pump installation through its Comfort Plan or direct-purchase option, helping arrange a system suited to the home. Ask the installer to assess your ducts, electrical service, and cooling needs before choosing equipment.
Gilbert is in Climate Zone 13, with a 60°F design heating temperature and 110°F design cooling temperature, so correct sizing matters for summer performance. Palmetto’s Comfort Plan has $0 upfront cost and includes a predictable monthly payment, maintenance, repairs, and warranty coverage. With direct purchase, you own the equipment. Arizona electricity averages 14.9¢ per kWh.
HVAC stands for heating, ventilation, and air conditioning—the overall system and services that keep a home comfortable. A heat pump is one type of HVAC equipment. Instead of creating heat by burning fuel, it moves heat indoors in winter and outdoors in summer, so one unit can provide both heating and cooling.
In Gilbert’s Climate Zone 13, systems should be sized for design temperatures of 60°F for heating and 110°F for cooling. Palmetto offers a Comfort Plan with $0 upfront cost and included maintenance and repairs, or direct purchase, which gives you ownership and may qualify for state or utility rebates when available.