Joliet, IL 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
Joliet, IL Heat Pump Load Calculator
Use this square-foot calculator to estimate your home’s heating and cooling needs. It follows ACCA-standard design conditions for Joliet, IL: 72°F indoors, 91°F outdoor for cooling, and -5°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.
|
|
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
Joliet, IL 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 Joliet homeowners.
ComEd Home Heating and Cooling
Up to $2,075ComEd's 2026 Home Heating and Cooling offering provides incentives for qualifying air-source and ductless mini-split heat pumps. An eligible ENERGY STAR smart thermostat can add to the incentive.
ComEd Heat Pump Water Heater
$750ComEd offers a rebate for qualifying ENERGY STAR heat pump water heaters purchased during its 2026 offer period.
Joliet homeowners with ComEd residential service may qualify for ComEd's 2026 heat pump incentives and a $750 rebate for an eligible heat pump water heater. No federal homeowner heat pump tax credit is available for systems installed in 2026; Palmetto can help homeowners check eligibility, apply for available utility rebates, and maximize their 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
Joliet is in USDA Hardiness Zone 6, with design temperatures of -5°F for heating and 91°F for cooling. Joliet homeowners face cold winter snaps and hot summer days, so heat pumps must be sized and selected for both extremes—not just mild weather. Palmetto understands Joliet’s climate and can recommend a system for local conditions. Explore other climate 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
Joliet Electricity Prices
Electricity prices have risen, but efficiency can help Joliet homeowners get more comfort from every kilowatt-hour.
Illinois’ average electricity price rose from 13.2¢ per kWh in 2021 to 15.9¢ in 2024—about 20%. It was still below the 2024 national average of 16.5¢.
Heat pumps move heat instead of generating it, so they use less electricity to heat or cool a home. They can be 2–3 times more efficient than traditional HVAC systems, depending on equipment and conditions.
Using less electricity for comfort may help limit the impact of future rate increases over a heat pump’s life. Actual savings in Joliet depend on your home, equipment, utility rates, and energy use.
Price of Energy: Illinois vs National Average
Joliet Area Utility Providers
ComEd is the listed electric utility for Joliet. The latest available comparison is from 2023, not 2024: electricity averaged 14.8¢ per kilowatt-hour, compared with 15.7¢ in Illinois and 16.0¢ nationally.
ComEd’s 2023 rate was 0.9¢ per kWh below the state average and 1.2¢ below the national average. These figures show how rates compare, but the data provided doesn’t explain what caused the differences.
For Joliet homes, heat pumps’ high efficiency can help reduce total energy spending compared with traditional HVAC. They can use less energy to provide heating and cooling, which can matter even when electricity rates are high.
Joliet 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 Joliet when selected and sized for local weather. The area is Climate Zone 6, with a design heating temperature of -5°F and cooling temperature of 91°F. A cold-climate model and home assessment can help ensure reliable heating and cooling through seasonal extremes.
Illinois electricity currently costs 15.9¢ per kWh, so compare expected operating costs with your current heating fuel and equipment. Palmetto offers a Comfort Plan with no upfront cost and maintenance and repairs included, or direct purchase with possible state or utility rebates where available. No federal heat-pump tax credit applies to installations in 2026.
Heat pumps can operate efficiently in Joliet’s Climate Zone 6 because they move heat rather than create it, providing more heat per unit of electricity in many conditions. Efficiency and heat output decline as outdoor temperatures drop. At the area’s -5°F design heating temperature, cold-climate equipment and proper sizing are important.
At Illinois’s electricity price of 15.9¢ per kWh, operating costs depend on your home’s insulation, thermostat settings, and system efficiency; a load calculation can help estimate energy use. Joliet’s 91°F design cooling temperature also makes summer efficiency relevant. Palmetto offers a $0-upfront Comfort Plan with maintenance included or direct purchase with equipment ownership.
In Joliet, leasing through Palmetto’s Comfort Plan may suit homeowners who want to avoid a large upfront cost: it has $0 upfront, predictable monthly payments, and maintenance, repairs, and warranty coverage for the plan’s life. Buying means paying once and owning the heat pump outright.
Consider your budget, preference for included service, and how long you expect to stay in the home. Joliet is in Climate Zone 6, with a -5°F design heating temperature, so proper cold-weather sizing matters; Illinois electricity averages 15.9¢/kWh. Buyers may qualify for active state or utility rebates, but no federal heat-pump tax credit is available for 2026 installations.
Heat pump installation costs in Joliet depend on the system’s size and type, your home’s existing ductwork, and any electrical or other upgrades needed. Because each home differs, there isn’t one reliable price for every installation; an in-home assessment is the best way to get an accurate quote.
Palmetto offers a $0-upfront Comfort Plan with predictable monthly payments and maintenance and repairs included, or direct purchase with equipment ownership and possible state or utility rebates where available. Joliet is in Climate Zone 6, and the current Illinois electricity price is 15.9¢ per kWh. No federal heat pump tax credit applies to systems installed in 2026.
A heat pump can be financially worthwhile in Joliet, but the answer depends on your home’s heating fuel, energy use, equipment cost, and how long you stay. Illinois electricity currently averages 15.9¢ per kWh, and Climate Zone 6’s -5°F heating design temperature makes proper sizing and cold-weather performance especially important when estimating annual costs.
Compare projected operating costs and installation quotes with your current system, and check for active state or utility rebates. Palmetto’s Comfort Plan has $0 upfront cost, predictable monthly payments, and maintenance, repairs, and warranty coverage; direct purchase means owning the equipment and may qualify for available rebates. No federal tax credit applies to systems installed in 2026.
Joliet homeowners can get a heat pump installed through Palmetto, with Comfort Plan and direct-purchase options. A qualified HVAC professional should size and install the system for the home, accounting for Joliet’s Climate Zone 6 design temperatures: -5°F for heating and 91°F for cooling.
The Comfort Plan has no upfront cost and includes predictable monthly payments, maintenance, repairs, and warranty coverage. With direct purchase, you own the equipment and may qualify for state or utility rebates where available. Illinois electricity costs 15.9¢ per kWh, so actual operating costs depend on the home and system.
In Joliet, HVAC means the full setup for heating, ventilation, and air conditioning. A heat pump is one type of HVAC equipment: it transfers heat to warm a home in winter and reverses direction to cool it in summer. Unlike a separate furnace and air conditioner, it can provide both functions with one system.
Because Joliet is in Climate Zone 6, with a design heating temperature of -5°F, choosing a system suited to local winter conditions and sizing it properly matters. Palmetto offers a $0-upfront Comfort Plan with maintenance and repairs included, or direct purchase, which gives the homeowner ownership and may qualify for active state or utility rebates.