Gilbert, AZ 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
Gilbert, AZ Heat Pump Load Calculator
Use this calculator to estimate your home’s heating and cooling needs based on square footage. It’s calibrated to ACCA-standard design conditions for Gilbert, AZ: 110°F for cooling, 60°F for heating, and 72°F indoors. For a precise Manual J load calculation and personalized quote, connect with our 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
Gilbert, AZ 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 Gilbert homeowners.
Efficiency Arizona HEAR
Up to $14,000Efficiency Arizona offers a HEAR rebate program through September 30, 2031 for qualified projects including the installation of Energy Star certified electric heat pumps for space heating and cooling. 100% of electrification project costs, up to $14,000, for low-income households, and 50% of costs, up to $14,000, for moderate-income households.
SRP Cool Cash Rebate
Up to $225 per tonSRP offers the Cool Cash Rebate for customers who install high-efficiency air conditioners, heat pumps, or mini-split systems. Rebates are paid on a per-ton basis and can be up to $225 per ton for the highest efficiency variable-capacity units. The current program guidelines require equipment to be installed by April 30, 2026.
Federal IRA Tax Credit
Up to $2,000The Inflation Reduction Act provides a federal tax credit of up to $2,000 for qualifying heat pump installations through 2032.
Gilbert homeowners have access to multiple heat pump incentive programs in 2026. The Efficiency Arizona HEAR program offers up to $14,000 in rebates for qualifying low- and moderate-income households, while SRP's Cool Cash Rebate provides per-ton incentives for high-efficiency heat pump installations (deadline April 30, 2026). Additionally, the federal IRA tax credit of up to $2,000 is available through 2032. Palmetto can help you navigate these programs, determine your eligibility, and maximize your available rebates and tax credits.
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
Gilbert sits in IECC Climate Zone 13, which means mild winters with design heating temps around 60°F and scorching summers that can hit 110°F. That extreme heat means your heat pump needs to be sized and selected specifically for high-efficiency cooling—not just heating. At Palmetto, we understand Gilbert's climate inside and out, so we can recommend the right system for your home. 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
Gilbert Electricity Prices
Understanding electricity costs in Gilbert helps you make smarter decisions about home comfort—especially as rates continue to climb year after year.
Arizona electricity rates have risen steadily from 12.5 cents per kWh in 2021 to 14.9 cents in 2024—a 19% increase in just three years, impacting every Gilbert household's monthly budget.
Heat pumps offer a practical solution to rising costs. Because they're 2-3x more efficient than traditional HVAC systems, they use significantly less electricity to deliver the same heating and cooling comfort.
As electricity rates continue their upward trend, efficiency becomes increasingly valuable. A heat pump's lower energy consumption means your monthly savings grow larger with each rate increase over the system's 15-20 year lifespan.
Price of Energy: Arizona vs National Average
Gilbert Area Utility Providers
Gilbert residents are served by two main utility providers: Arizona Public Service (APS) and Salt River Project (SRP). According to 2023 data, APS charged 15.3¢ per kWh while SRP charged 12.5¢ per kWh.
Both utilities fall below the 2023 national average of 16.0¢ per kWh, though APS rates slightly exceed Arizona's state average of 14.0¢. These competitive rates benefit from Arizona's diverse energy mix and regional infrastructure investments.
Even with relatively affordable electricity, heat pumps can further reduce your energy spending. Their exceptional efficiency means they use less electricity than traditional HVAC systems—converting nearly every dollar spent on energy into actual heating and cooling for your home.
Gilbert 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.
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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 make excellent sense in Gilbert. The climate here features mild winters with design temperatures around 60°F and hot summers reaching 110°F, making heat pumps ideal for efficient year-round heating and cooling. Modern heat pumps excel in this climate, using significantly less energy than traditional systems while keeping your home comfortable through Arizona's temperature swings.
With Arizona's electricity rate at 14.9¢ per kWh, the energy savings can be substantial over time. Palmetto makes heat pump installation accessible through two options: a Comfort Plan with $0 upfront and all maintenance included, or direct purchase where you may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act plus local rebates.
Heat pumps are highly efficient in Gilbert's climate, particularly for cooling during the intense summer months when temperatures reach 110°F. Modern heat pumps can deliver 2-4 times more energy than they consume, making them significantly more efficient than traditional air conditioners and furnaces. With Arizona's electricity rate at 14.9¢ per kWh, this efficiency translates to meaningful savings on your energy bills year-round.
Gilbert's mild winters, with design heating temperatures around 60°F, create ideal conditions for heat pump performance since they work most efficiently in moderate climates. Unlike traditional systems that struggle in extreme cold, heat pumps in Climate Zone 13 maintain excellent efficiency throughout both heating and cooling seasons. Palmetto offers flexible options to access this efficiency—either through our Comfort Plan with $0 upfront cost and included maintenance, or direct purchase with potential federal tax credits up to $2,000.
The choice between leasing and buying a heat pump in Gilbert depends on your financial priorities and preferences. Buying outright means you own the equipment immediately and may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act, plus local rebates. Leasing through a Comfort Plan requires $0 upfront and includes all maintenance, repairs, and warranty coverage for predictable monthly costs.
For Gilbert's extreme climate—with summer temperatures reaching 110°F—a heat pump represents a significant investment in year-round comfort. If you prefer avoiding large upfront costs and maintenance responsibilities, leasing offers peace of mind. If you want to maximize long-term savings and own your equipment, purchasing may be the better fit, especially with available incentives that reduce your initial investment.
Heat pump costs in Gilbert typically range from $5,000 to $15,000 for a complete installation, depending on your home's size, existing ductwork, and the system's efficiency rating. Gilbert's extreme climate—with summer temperatures reaching 110°F—often requires properly sized units to handle the cooling demand efficiently, which influences the final price.
Palmetto offers two ways to get a heat pump: our Comfort Plan with $0 upfront and a predictable monthly payment that includes all maintenance and repairs, or direct purchase where you own the equipment outright and may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act plus local rebates.
In Gilbert's hot climate, heat pumps are financially advantageous because they cool your home more efficiently than traditional AC systems while using Arizona's 14.9¢ per kWh electricity rate. Most homeowners see lower monthly energy bills, and the savings compound over years of operation in our demanding cooling season.
Palmetto makes heat pumps financially accessible through two options: our Comfort Plan with $0 upfront and maintenance included, or direct purchase with potential federal tax credits up to $2,000. The right choice depends on whether you prefer predictable monthly payments or maximizing long-term ownership benefits and available incentives.
In Gilbert, licensed HVAC contractors install heat pumps, and it's essential to choose professionals experienced with Arizona's extreme climate conditions. Palmetto partners with certified local installers who understand the unique demands of Climate Zone 13, where cooling temperatures can reach 110°F and proper sizing is critical for efficiency and comfort.
Palmetto offers two installation options for Gilbert homeowners: a Comfort Plan with $0 upfront cost and all maintenance included, or direct purchase where you own the equipment and may qualify for up to $2,000 in federal tax credits. Both options include professional installation by trained technicians who ensure your system is optimized for Arizona's climate and your home's specific needs.
HVAC is an umbrella term that stands for Heating, Ventilation, and Air Conditioning—it describes any system that controls your home's temperature and air quality. A heat pump is actually a type of HVAC system that both heats and cools your home by transferring heat rather than generating it, making it more energy-efficient than traditional furnaces and air conditioners, especially in Gilbert's Climate Zone 13.
Unlike conventional HVAC systems that use separate equipment for heating and cooling, a heat pump handles both functions in one unit. This matters in Gilbert, where summer temperatures reach 110°F and winter lows around 60°F—your heat pump works year-round at Arizona's current electricity rate of 14.9¢ per kWh. Palmetto makes installation accessible through our Comfort Plan with $0 upfront or direct purchase options.