Frisco, TX 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
Frisco, TX Heat Pump Load Calculator
This square-foot calculator roughly estimates your home’s heating and cooling needs in Frisco, using a 72°F indoor temperature, 95°F outdoor cooling design temperature, and 33°F heating design temperature—the ACCA-standard design conditions for Frisco, TX. For an official Manual J 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
Frisco, TX 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 Frisco homeowners.
Oncor Home Energy Efficiency
$0+Oncor’s 2026 program includes incentives for qualifying high-efficiency heat pumps, passed to homeowners through participating service providers. The amount depends on the project and provider; confirm the incentive and remaining funding before work begins.
Frisco homeowners with Oncor electric delivery may be eligible for project-dependent incentives on qualifying heat pumps through Oncor’s 2026 Home Energy Efficiency program; availability and incentive amounts should be confirmed with a participating provider before installation. Palmetto can help homeowners check eligibility and explore ways to apply for and maximize available 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
Frisco’s USDA Hardiness Zone 10 brings mild winters, though cold snaps matter, and hot summers that keep cooling systems busy. At a design heating temperature of 33°F and design cooling temperature of 95°F, a heat pump must be sized and selected to handle both. Palmetto understands Frisco’s climate and can recommend a system suited to local conditions. 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
Frisco Electricity Prices
For Frisco homeowners, electricity rates are worth watching—especially when heating and cooling use a significant share of household energy.
Texas’s average residential electricity price rose from 12.1¢ per kWh in 2021 to 14.9¢ in 2024, about 23%. The chart compares statewide rates with the national average; Frisco rates vary by provider and plan.
A heat pump can deliver heating or cooling with less electricity, often operating 2–3 times more efficiently than traditional HVAC equipment. That efficiency can help limit the impact of rising rates on energy use.
Over time, using fewer kilowatt-hours for comfort may help offset rate increases and make household energy costs more manageable. Actual savings depend on your home, system, electricity plan, and how you use it.
Price of Energy: Texas vs National Average
Frisco Area Utility Providers
For Frisco residents served by CoServ, the latest available utility electricity data is from 2023; 2024 data isn’t yet available. CoServ’s reported price was 12.8¢ per kWh, compared with the state and national averages.
In 2023, CoServ’s price was 1.7¢ per kWh below Texas’s 14.50¢ average and 3.2¢ below the national average of 16.0¢. These broader averages are useful benchmarks, but the comparison alone doesn’t explain the differences.
Electricity prices matter, but so does how efficiently a system uses power. Heat pumps move heat rather than generate it, so they can reduce total energy spending compared with traditional HVAC—even where electricity costs are higher.
Frisco 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 Frisco because they provide both heating and cooling, and the area’s Climate Zone 10 design temperatures are relatively moderate: 33°F for heating and 95°F for cooling. At Texas’s current electricity price of 14.9¢ per kWh, operating costs depend on equipment efficiency, home insulation, and usage.
Palmetto offers a Comfort Plan with no upfront cost, a predictable monthly payment, and maintenance, repairs, and warranty coverage, or direct purchase, which gives you ownership and may qualify for state or utility rebates where available. No federal heat pump tax credit is available for systems installed in 2026, so compare total costs before choosing.
Heat pumps are generally efficient in Frisco because they move heat rather than generate it by burning fuel, and the area’s relatively mild winters support efficient heating. Frisco is in Climate Zone 10, with a design heating temperature of 33°F and design cooling temperature of 95°F, so systems also need to handle hot summers.
At Texas’s current electricity price of 14.9¢ per kWh, operating costs depend on the unit’s efficiency, proper sizing, and household use; an estimate can account for your home. Palmetto offers a $0-upfront Comfort Plan with maintenance and repairs included, or direct purchase, which may qualify for active state or utility rebates.
In Frisco, choose a lease if you prefer $0 upfront, predictable monthly payments, and maintenance, repairs, and warranty coverage included for the plan’s life. Buy if you can make a one-time payment and want to own the heat pump outright, with the option to seek available state or utility rebates.
Frisco is in Climate Zone 10, with design temperatures of 33°F for heating and 95°F for cooling. Texas electricity currently costs 14.9¢ per kWh. Compare the plan payment and included service with the purchase price, expected energy use, and repair costs. No federal heat pump tax credit is available for systems installed in 2026.
Heat pump installation in Frisco has no single fixed price: the total depends on your home’s size, insulation, ductwork, equipment capacity, and any electrical or other upgrades. Palmetto provides a site-specific quote rather than a generic estimate. With its Comfort Plan, installation has $0 upfront cost and a predictable monthly payment.
Buying outright requires a one-time payment and gives you ownership; state or utility rebates may be available if you meet current program rules. Frisco’s 33°F design heating temperature and 95°F design cooling temperature affect system sizing, while Texas electricity currently costs 14.9¢ per kWh—an operating-cost factor, not an installation price. No federal heat-pump tax credit applies to 2026 installations.
A heat pump can be financially worthwhile in Frisco, but savings depend on your home, current system, energy use, and installation cost. At 14.9¢ per kWh, compare estimated operating costs with your existing equipment. Frisco’s Climate Zone 10 design temperatures—33°F for heating and 95°F for cooling—help inform local system sizing and performance.
Palmetto’s 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 active state or utility rebates. No federal heat pump tax credit is available for systems installed in 2026, so compare total costs and plan terms.
In Frisco, homeowners can get a heat pump installed through Palmetto, which offers both a Comfort Plan and a direct-purchase option. A qualified HVAC installer should size the system for the home and local conditions. Frisco is in Climate Zone 10, with design temperatures of 33°F for heating and 95°F for cooling.
The Comfort Plan has no upfront cost and includes predictable monthly payments, maintenance, repairs, and warranty coverage for the life of the plan. With direct purchase, you own the equipment after paying upfront and may qualify for state or utility rebates where available. Compare the options based on your budget and maintenance preferences.
In Frisco, HVAC (heating, ventilation, and air conditioning) describes a home’s overall climate-control system; a heat pump is one type of HVAC equipment. Unlike a furnace paired with a separate air conditioner, a heat pump moves heat to warm a home and reverses direction to cool it.
Frisco’s design temperatures—33°F for heating and 95°F for cooling—make proper sizing and installation important for year-round comfort. Palmetto offers a Comfort Plan with $0 upfront and maintenance and repairs included, or direct purchase, which means owning the equipment and may qualify for state or utility rebates where available.