Frankfort, KY 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
Frankfort, KY Heat Pump Load Calculator
This square-foot calculator estimates your home’s heating and cooling needs. It uses a 72°F indoor temperature, a 92°F cooling design temperature, and a 5°F heating design temperature—the ACCA-standard design conditions for Frankfort, KY. For an official Manual J 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.
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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
Frankfort, KY 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 Frankfort homeowners.
LG&E/KU Heat Pump Rebate
$400Cash rebate for purchasing and installing a qualifying ENERGY STAR-certified air-source or ductless heat pump.
LG&E and KU offer a $400 rebate for qualifying heat pumps, but eligibility is limited to their residential customers on eligible rates; Frankfort Plant Board also serves Franklin County, so check your utility account. Kentucky's Home Energy Rebates are not yet accepting applications. Palmetto can help homeowners check eligibility, apply for the available rebate, and maximize qualifying incentives. ([lge-ku.com](https://lge-ku.com/residential-rebates?utm_source=openai))
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
Frankfort is in USDA Hardiness Zone 7, where winters can bring freezing stretches and summers are often hot and humid. For heat pump planning, the zone’s design temperatures—5°F for heating and 92°F for cooling—help show how a system should perform during demanding weather. Palmetto understands Frankfort’s climate and can recommend a heat pump suited to local conditions. Explore 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
Frankfort Electricity Prices
Electricity rates in Frankfort are below the national average, but Kentucky prices have risen in recent years.
Kentucky’s average residential rate increased from 11.5¢ per kWh in 2021 to 13¢ in 2024—about 13%, despite a small dip in 2023.
Heat pumps can help Frankfort homeowners use less electricity for comfort. They typically deliver two to three units of heating or cooling for each unit of electricity used.
By using less electricity to deliver the same comfort, a heat pump can help limit the impact of future rate increases. Actual savings depend on your home, energy use, and system.
Price of Energy: Kentucky vs National Average
Frankfort Area Utility Providers
In Frankfort, KU is the utility represented in this comparison. The latest available figures are from 2023, since 2024 data isn’t available: KU electricity averaged 12.0¢ per kWh, versus 12.70¢ statewide and 16.0¢ nationally.
KU’s average was 0.70¢ below Kentucky’s average and 4.0¢ below the national average. Electricity prices can vary by utility, so these comparisons show how KU’s reported rate differs from broader averages.
Electricity prices are only one part of heating costs. Heat pumps move heat efficiently and can use less energy than traditional HVAC, potentially lowering total energy spending—even when electricity costs are higher.
Frankfort 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 Frankfort, where a properly sized system can provide efficient heating and cooling in one unit. The area is in Climate Zone 7, with design temperatures of 5°F for heating and 92°F for cooling, so equipment selection and installation should account for both cold winter days and summer heat.
At Kentucky’s electricity price of 13.0¢ per kWh, operating costs depend on the home, system efficiency, and heating fuel being replaced. Palmetto’s Comfort Plan has no upfront cost, predictable monthly payments, and includes maintenance and repairs; direct purchase means owning the equipment outright. Check for state or utility rebates. For 2026 installations, no federal heat pump tax credit is available.
Heat pumps can efficiently heat and cool Frankfort homes, using electricity to move heat rather than generate it. At Kentucky’s average electricity price of 13.0¢ per kWh, operating costs depend on equipment efficiency, home insulation, and thermostat use. Frankfort’s design temperatures—5°F for heating and 92°F for cooling—make proper sizing important.
At the 5°F design heating temperature, a properly selected cold-climate heat pump can provide efficient comfort, though its output and efficiency may fall as outdoor temperatures drop; backup heat may be needed in extreme cold. A professional load calculation helps match system capacity to the home.
Whether you should lease or buy in Frankfort depends on your budget and how much responsibility you want. Palmetto’s Comfort Plan has $0 upfront cost, predictable monthly payments, and includes maintenance, repairs, and warranty coverage for the plan’s life. Buying requires one upfront payment, gives you ownership, and may qualify for available state or utility rebates.
Frankfort’s Climate Zone 7 design temperatures—5°F for heating and 92°F for cooling—make proper equipment sizing important; Kentucky electricity costs 13.0¢ per kWh. Compare the full monthly plan cost with a purchase quote and expected upkeep. For systems installed in 2026, no federal heat pump tax credit is available; verify any state or utility incentives.
Heat pump installation costs in Frankfort depend on home size, insulation, ductwork, equipment type, and the system’s capacity for the area’s 5°F winter design temperature and 92°F summer design temperature. Because each home differs, an in-home assessment is the best way to get an accurate price rather than relying on a broad estimate.
Palmetto offers a $0-upfront Comfort Plan with predictable monthly payments, maintenance, repairs, and warranty coverage, or direct purchase with a one-time payment and equipment ownership. Kentucky electricity averages 13.0¢ per kWh, which affects operating costs. State or utility rebates may be available; federal heat pump tax credits do not apply to installations in 2026.
A heat pump can be financially worthwhile in Frankfort, but the result depends on installation cost, your home’s insulation, and what heating system it replaces. Kentucky electricity averages 13.0¢ per kWh. In Climate Zone 7, equipment must handle a 5°F design heating temperature as well as 92°F summer cooling, affecting system choice and costs.
Compare yearly energy and service costs with your current system, and check for active state or utility rebates. Palmetto’s Comfort Plan offers $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 rebates. No federal heat pump tax credit applies to installations in 2026.
Palmetto offers heat pump installation to Frankfort homeowners through its Comfort Plan lease or a direct-purchase option. A qualified installer assesses the home, selects and sizes equipment for its heating and cooling needs, and completes installation. Homeowners can ask Palmetto about the process and what is included before choosing.
The Comfort Plan has no upfront cost and includes predictable monthly payments, maintenance, repairs, and warranty coverage for the plan’s life. Direct purchase means paying upfront and owning the equipment, with possible state or utility rebates if available. Kentucky electricity costs 13.0¢ per kWh, a factor when comparing operating costs.
HVAC means heating, ventilation, and air conditioning—the overall system and services that manage indoor comfort. A heat pump is one type of HVAC equipment: it uses electricity to move heat rather than making it by burning fuel. A reversible system can heat your home in winter and cool it in summer.
For a Frankfort home, equipment should be sized for local conditions, including Climate Zone 7 design temperatures of 5°F for heating and 92°F for cooling. Palmetto offers heat pumps through a $0-upfront Comfort Plan with maintenance and repairs included, or direct purchase, which gives you ownership and may qualify for available state or utility rebates.