Boca Raton, FL 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
Boca Raton, FL Heat Pump Load Calculator
This calculator uses the square-foot method to estimate heating and cooling needs, assuming 72°F indoors, a 95°F cooling design temperature, and a 33°F heating design temperature. These are ACCA-standard design conditions for Boca Raton, FL. 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
Boca Raton, FL 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 Boca Raton homeowners.
FPL Heat Pump Rebate
$200FPL offers a $200 rebate for qualifying residential heat pump replacements, credited on the contractor’s invoice.
Boca Raton homeowners with an active FPL residential account may qualify for a $200 rebate on an eligible heat pump replacement. Florida’s HOMES and HEEHR rebates are not yet open for applications; Palmetto can help homeowners review eligibility and maximize available utility incentives.
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
Boca Raton is in USDA Hardiness Zone 10: winters are mild and brief, while summer heat and humidity keep cooling systems busy. Design temperatures of 33°F for heating and 95°F for cooling guide heat pump sizing and selection for chilly mornings and sustained summer demand. Palmetto understands the local climate and can recommend a suitable system. Explore other zones below or enter your ZIP code to confirm yours.
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
Boca Raton Electricity Prices
Electricity prices have shifted in recent years—but using less power to stay comfortable can still matter.
For Boca Raton homeowners, Florida’s average electricity price rose from 11.9¢ per kWh in 2021 to 15.2¢ in 2023, then eased to 14.1¢ in 2024—below the 2024 U.S. average of 16.5¢.
Heat pumps move heat instead of generating it, so they can deliver 2–3 times as much heating or cooling per unit of electricity as traditional HVAC systems.
Using less electricity for comfort can help cushion future rate increases and support lower operating costs over a system’s life. Actual bills depend on your home, equipment, usage, and electric rate.
Price of Energy: Florida vs National Average
Boca Raton Area Utility Providers
FPL serves Boca Raton. In the latest available utility data, from 2023, its electricity price was 15.0¢ per kWh, below Florida’s 15.20¢ and the national average of 16.0¢. 2024 data isn’t yet available.
FPL’s price was slightly below Florida’s average and lower than the national benchmark. These broader averages combine prices across other service areas, so they may differ from the rate reported for FPL.
Electricity prices matter, but so does how efficiently a system uses power. Heat pumps can deliver heating and cooling with less electricity than traditional HVAC, which may lower total energy spending—even when electricity costs are high.
Boca Raton 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 Boca Raton because they provide efficient cooling during long, hot summers and can heat homes in mild winters. The area is Climate Zone 10, with design temperatures of 95°F for cooling and 33°F for heating; Florida electricity averages 14.2¢ per kWh.
Your best option depends on equipment sizing, your home, and utility costs. Palmetto offers a Comfort Plan with $0 upfront, predictable monthly payments, warranty coverage, and maintenance and repairs included, or direct purchase, which gives you ownership and may qualify for active state or utility rebates. Federal heat pump tax credits are not available for systems installed in 2026.
Heat pumps are generally well suited to Boca Raton’s warm climate. In Climate Zone 10, design temperatures are 33°F for heating and 95°F for cooling. Because winters are mild, a heat pump can often heat a home without frequent use of backup heat, while efficiently moving heat indoors or outdoors rather than generating it directly.
At Florida’s current electricity price of 14.2¢ per kWh, running costs depend on system efficiency, insulation, thermostat settings, and duct condition. Correct sizing and regular filter changes help maintain performance. Palmetto offers a Comfort Plan with maintenance included or direct purchase, which may qualify for state or utility rebates where available.
In Boca Raton, leasing through Palmetto’s Comfort Plan may suit you if you prefer no upfront cost, a predictable monthly payment, and maintenance, repairs, and warranty coverage included for the plan’s life. Buying suits homeowners who can pay upfront and want to own the heat pump outright.
Boca Raton’s Climate Zone 10 design temperatures—33°F for heating and 95°F for cooling—make correct sizing important. Florida electricity averages 14.2¢ per kWh, so ask for an estimate based on your home and usage. For systems installed in 2026, no federal heat pump tax credit is available; state or utility rebates may still be available, depending on eligibility.
Heat pump installation in Boca Raton has no single standard price: the total depends on the system’s capacity, efficiency, ductwork, and installation needs. Local homes are in Climate Zone 10, with design temperatures of 33°F for heating and 95°F for cooling, so a home assessment is needed for an accurate quote.
Palmetto’s Comfort Plan has $0 upfront cost, predictable monthly payments, and maintenance, repairs, and warranty coverage for the plan’s life. Direct purchase requires an upfront payment and gives you ownership; state or utility rebates may be available. Florida electricity averages 14.2¢ per kWh. No federal heat pump tax credit applies to systems installed in 2026.
A heat pump can be financially worthwhile in Boca Raton, but savings depend on your current system, home insulation, and installation price. Florida’s average electricity rate is 14.2¢ per kWh. In Climate Zone 10, design temperatures are 33°F for heating and 95°F for cooling, so cooling efficiency and year-round operating costs matter.
Palmetto offers a $0-upfront Comfort Plan with predictable monthly payments, maintenance and repairs included for the plan’s life, and warranty coverage. Direct purchase requires an upfront payment but gives you ownership and may qualify for state or utility rebates where available. Compare total costs with expected energy use; federal heat pump tax credits are unavailable for installations in 2026.
Homeowners in Boca Raton can get a heat pump installed through Palmetto, which offers installations with either its Comfort Plan or a direct purchase. A qualified HVAC installer sizes and installs the system for the home; in Climate Zone 10, equipment should be selected for local design conditions of 33°F heating and 95°F cooling.
With the Comfort Plan, there’s no upfront cost; monthly payments are predictable, and maintenance, repairs, and warranty coverage are included for the plan’s life. Direct purchase means paying upfront and owning the equipment, with possible state or utility rebates if available. No federal heat pump tax credit applies to systems installed in 2026.
HVAC is the broad term for a home's heating, ventilation, and air-conditioning system; a heat pump is one type of HVAC equipment. Unlike a separate furnace and air conditioner, it can provide both heating and cooling by moving heat indoors or outdoors. Boca Raton's Climate Zone 10 has design temperatures of 95°F for cooling and 33°F for heating.
For homeowners replacing equipment, a heat pump can cover both heating and cooling, though performance and energy use depend on the home and system. Palmetto offers a $0-upfront Comfort Plan with maintenance and repairs included for the life of the plan, or direct purchase, where the homeowner owns the equipment and may qualify for state or utility rebates where available.