Clermont, 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
Clermont, FL Heat Pump Load Calculator
This square-foot calculator estimates your home’s heating and cooling needs, but isn’t a final system size. It uses ACCA-standard design conditions for Clermont, FL: 72°F indoors, 95°F outdoors for cooling, and 33°F for heating. For an official Manual J load calculation and quote, contact 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.
|
|
Cash |
Loan |
|
|---|---|---|---|
| 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
Clermont, 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 Clermont homeowners.
Duke Home Energy Improvement
Up to $1,000Duke Energy Florida offers rebates for qualifying HVAC replacements, including heat pumps. The program is confirmed active in 2026; the maximum rebate for a qualifying single-family-home HVAC replacement is up to $1,000.
Duke Energy Florida customers in Clermont may qualify for a heat pump or HVAC replacement rebate, but eligibility depends on the home's electric utility and Duke's program requirements. Florida's HOMES and HEAR rebate applications are not yet open, and federal homeowner heat pump tax credits ended for systems installed after December 31, 2025. Palmetto can help homeowners check eligibility, apply for available utility rebates, and maximize savings.
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
USDA Hardiness Zone 10 brings Clermont mild winters, with few deep freezes, and long, hot, humid summers. Design temperatures of 33°F for heating and 95°F for cooling show why heat pump sizing must account for chilly spells and summer heat. Palmetto understands Clermont’s climate and can recommend a system suited to local homes. 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
Clermont Electricity Prices
For Clermont homeowners, electricity prices are one part of the heat pump cost equation.
Florida’s average electricity price rose from 11.9¢ per kWh in 2021 to 15.2¢ in 2023, then dipped to 14.1¢ in 2024. That’s still above 2021, while the U.S. average reached 16.5¢ in 2024.
Because they move heat instead of making it, heat pumps can deliver 2–3 times more heating or cooling per unit of electricity than traditional HVAC systems.
Using less electricity for comfort can help limit the effect of future rate increases, making a properly sized heat pump a valuable long-term option for Clermont homes.
Price of Energy: Florida vs National Average
Clermont Area Utility Providers
Clermont homes may receive electricity from Duke Energy, SECO Energy, or WREC. The latest figures available are from 2023—not 2024—and show rates of 18.1¢, 13.0¢, and 12.3¢ per kWh, respectively.
In 2023, Duke’s rate was above Florida’s 15.20¢ state average and the 16.0¢ national average. SECO and WREC were below both. The figures show the differences, but don’t explain the specific reasons behind each provider’s rates.
Heat pumps move heat efficiently and can use less electricity than traditional HVAC to heat and cool a home. That efficiency can help lower total energy spending, even where electricity rates are higher.
Clermont 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 Clermont because the area’s warm climate means they provide efficient cooling for long summers and can also heat homes during mild winters. Clermont is in Climate Zone 10, with a 33°F design heating temperature and 95°F design cooling temperature, conditions well suited to heat pump operation.
At 14.2¢ per kWh, Florida’s current electricity price, your operating costs depend on home size, equipment efficiency, and usage. Palmetto offers a $0-upfront Comfort Plan with predictable monthly payments and included maintenance and repairs, or direct purchase and outright ownership. Purchased systems may qualify for available state or utility rebates; no federal heat pump tax credit applies to 2026 installations.
In Clermont, heat pumps are well suited to the warm climate: they provide efficient cooling during hot weather and can heat homes effectively through generally mild winters. The area’s Climate Zone 10 design temperatures—95°F for cooling and 33°F for heating—mean systems should be selected and sized to handle both seasonal extremes.
At Florida’s current electricity price of 14.2¢ per kWh, running costs depend on the unit’s efficiency, home insulation, thermostat settings, and electricity use. Palmetto offers a Comfort Plan with maintenance and repairs included for the life of the plan, or direct purchase, which gives homeowners ownership and may qualify for available state or utility rebates.
In Clermont, leasing through Palmetto’s Comfort Plan can fit homeowners who want a heat pump without a large upfront payment. It has $0 upfront cost, predictable monthly payments, and maintenance, repairs, and warranty coverage for the plan’s life, reducing upkeep concerns.
Buying requires a one-time upfront payment, but you own the equipment and may qualify for state or utility rebates where available. Clermont’s Zone 10 design temperatures—33°F for heating and 95°F for cooling—make proper sizing important. Florida electricity averages 14.2¢ per kWh, so compare expected operating costs too. No federal heat pump tax credit applies to 2026 installations.
Heat pump installation costs in Clermont vary with home size, equipment capacity and efficiency, ductwork condition, and any electrical or comfort upgrades, so a reliable price requires a home assessment. Clermont’s Climate Zone 10 design temperatures—33°F for heating and 95°F for cooling—help installers size a system for local conditions.
Palmetto offers a Comfort Plan with $0 upfront, predictable monthly payments, and maintenance, repairs, and warranty coverage for the plan’s life; the payment depends on your system and home. Direct purchase means paying upfront and owning the equipment, with state or utility rebates possible when available. No federal heat pump tax credit applies to 2026 installations.
A heat pump can be financially worthwhile in Clermont, but the result depends on your current system, energy use, equipment cost, and how long you stay in the home. Florida electricity averages 14.2¢ per kWh, and Clermont’s 33°F design heating temperature can favor efficient heat-pump operation. Compare estimated bills and total costs before deciding.
Palmetto’s Comfort Plan has no upfront cost and includes predictable monthly payments, maintenance, repairs, and warranty coverage. Direct purchase requires an upfront payment but gives you ownership and may qualify for state or utility rebates where available. For heat pumps installed in 2026, federal tax credits are no longer available, so include that in your comparison.
Palmetto installs heat pumps for homeowners in Clermont, Florida. A local installation should account for the area’s Climate Zone 10 conditions, including a 95°F design cooling temperature and a 33°F design heating temperature, so the system is selected to meet the home’s heating and cooling needs.
Clermont homeowners can choose Palmetto’s Comfort Plan, with no upfront cost and maintenance and repairs included for the plan’s life, or buy the equipment outright with a one-time payment. Direct purchasers may qualify for state or utility rebates where available; eligibility depends on current program rules.
HVAC stands for heating, ventilation, and air conditioning—the overall home-comfort system and its functions. A heat pump is one type of HVAC equipment: it moves heat indoors in cooler weather and outdoors to cool your home, rather than generating heat by burning fuel. In short, HVAC is the category; a heat pump is a specific system.
For Clermont’s Climate Zone 10, with a 33°F design heating temperature and 95°F design cooling temperature, a heat pump can provide year-round heating and cooling. At Florida’s current electricity price of 14.2¢ per kWh, operating costs depend on the system’s efficiency, your home, and energy use. Palmetto offers a Comfort Plan or direct purchase.