Nathan Healy
Certified by Nathan Healy
Updated: February 2026
Quality home solutions since 2011
Palmetto serves thousands of customers across 25 states with an over 85% approval rating

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

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

Forget the maintenance

With a Comfort Plan subscription, installation and maintenance are fully covered, no surprise bills, no weekend DIY.

Rewards for renewing

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

Fremont, CA Heat Pump Load Calculator

Our calculator estimates your home’s heating and cooling needs using square footage and ACCA-standard design conditions for Fremont, CA: 72°F indoor, 95°F outdoor cooling, and 33°F heating temperatures. For a precise Manual J load calculation and personalized quote, connect 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

Get Started

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
Payment schedule $0 upfront, then monthly subscription
Term length 10 or 12 years
End of term options Flexible with 25% renewal term credits to new system
Maintenance included
Eligible for incentives

Cash

Payment schedule Full price upfront
Term length None
End of term options No credits to new system
Maintenance included
Eligible for incentives

Loan

Payment schedule $0 upfront, then monthly payment
Term length Variable
End of term options No credits to new system
Maintenance included
Eligible for incentives

Local Incentives

Fremont, CA 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 Fremont homeowners.

California Energy Smart Homes

Up to $15,000+

State program providing rebates for whole-home electrification alterations including heat pump installation. Base incentive of $4,250 with additional bonuses available for advanced technologies, totaling over $15,000.

Eligibility: Single-family and multifamily low-rise properties undergoing whole building electrification with conversion of all gas appliances to electric systems. Projects must be located in PG&E, SCE, or SDG&E service territory. Incentive levels remain constant through 2027.

Learn more →

Federal IRA Tax Credit

Up to $2,000

The Inflation Reduction Act provides a federal tax credit of up to $2,000 for qualifying heat pump installations through 2032.

Eligibility: Available to homeowners who purchase and install a qualifying heat pump system. Claimed on your annual federal tax return.

Learn more →

Fremont homeowners have access to the California Energy Smart Homes Program, which offers substantial rebates for whole-home electrification projects including heat pump installation, with base incentives starting at $4,250 and potential bonuses bringing total rebates to over $15,000. Combined with the federal IRA tax credit of up to $2,000, homeowners can access significant financial support. Palmetto can help you navigate these programs and maximize available rebates for your heat pump installation.

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

Fremont falls within IECC Climate Zone 10, which means mild winters with design temperatures around 33°F and warm summers reaching 95°F. This moderate climate is ideal for heat pumps, but proper sizing matters—systems need to handle those summer peaks without being oversized for your gentle winters. At Palmetto, we account for Fremont's specific conditions when recommending equipment. Explore other climate zones below or enter your ZIP code to confirm yours.

US Climate Zone Map
Your location

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

05

Fremont Electricity Prices

Fremont residents face some of the steepest electricity costs in the nation—a trend that shows no signs of slowing down.

California's electricity rates have surged 40% since 2021, climbing from 22.8 to 31.9 cents per kWh in 2024. That's nearly double the national average of 16.5 cents per kWh.

Heat pumps offer a practical solution to rising energy 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 climbing, efficiency becomes increasingly valuable. A heat pump's lower energy consumption means your monthly bills stay manageable even as rates rise, protecting your budget for years to come.

Price of Energy: California vs National Average

10¢
20¢
30¢
40¢
13.7¢
22.8¢
15.0¢
25.8¢
16.0¢
29.5¢
16.5¢
31.9¢
2021
2022
2023
2024
US Average
California

Fremont Area Utility Providers

Fremont residents receive electricity from Pacific Gas and Electric (PG&E). Based on 2023 data, PG&E's average rate was 34.0¢ per kWh—significantly above the national average of 16.0¢ and the California state average of 29.50¢.

California's electricity costs reflect the state's investment in renewable energy infrastructure, strict environmental standards, and the expense of maintaining power systems across diverse terrain. PG&E's rates also account for wildfire prevention measures and grid modernization efforts throughout Northern California.

While Fremont's electricity rates run high, heat pumps offer a path to lower energy bills. Their efficiency means they use less electricity than traditional heating and cooling systems—often reducing total energy costs even when rates are above average.

Fremont Utilities Electricity Rates

PG&E
34.00¢
+112%
CA Average
29.50¢
+84%
US Average
16.0¢
06

Palmetto Reviews

Ready to start saving with a heat pump?

Speak with a Palmetto heating & cooling expert to find out exactly how much you can save.

Get a Free Quote
Palmetto mobile app
07

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
Download the App
08

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.

$5,000
Recommended repair threshold

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.

Ready to start saving with a heat pump?

Speak with a Palmetto heating & cooling expert to find out exactly how much you can save.

Get a Free Quote
09

Frequently Asked Questions

Yes, heat pumps make excellent sense in Fremont. Climate Zone 10's mild temperatures—with winter lows around 33°F and summer highs near 95°F—are ideal for heat pump efficiency. They'll keep your home comfortable year-round while using less energy than traditional heating and cooling systems, which matters given California's electricity costs of 31.9¢ per kWh.

Fremont homeowners can access heat pumps through Palmetto's Comfort Plan with $0 upfront and maintenance included, or through direct purchase to claim up to $2,000 in federal tax credits under the Inflation Reduction Act. Either option helps you reduce energy costs while maintaining consistent comfort in Fremont's Mediterranean climate.

Heat pumps are highly efficient in Fremont's mild Climate Zone 10, where winter temperatures rarely drop below 33°F and summers peak around 95°F. These moderate conditions allow heat pumps to operate at optimal efficiency year-round, typically delivering 2-4 units of heating or cooling for every unit of electricity consumed—far outperforming traditional furnaces and air conditioners.

With California's electricity rate at 31.9¢ per kWh, efficient heating and cooling matters for your energy bills. Modern heat pumps can significantly reduce your energy consumption compared to older systems, and Palmetto makes installation accessible through our Comfort Plan with $0 upfront cost or direct purchase options that may qualify for up to $2,000 in federal tax credits.

The choice between leasing and buying a heat pump in Fremont depends on your financial situation and priorities. Palmetto's Comfort Plan requires $0 upfront and includes all maintenance and repairs, making it ideal if you want predictable costs. Direct purchase means 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.

Consider Fremont's mild Climate Zone 10 conditions and California's electricity rates at 31.9¢ per kWh when making your decision. Leasing eliminates maintenance worries and large upfront costs, while buying maximizes long-term savings through incentives and ownership. Both options deliver efficient heating and cooling—the right choice comes down to whether you prefer lower initial investment or maximum financial benefits over time.

Heat pump installation costs in Fremont typically range from $5,000 to $15,000 for a complete system, depending on your home's size, existing ductwork, and equipment efficiency. Fremont's mild Climate Zone 10 conditions (with winter lows around 33°F) make heat pumps particularly cost-effective, as they won't need to work as hard as in colder regions.

Palmetto offers two flexible ways to get a heat pump in Fremont: our Comfort Plan with $0 upfront and predictable monthly payments including all maintenance, or direct purchase where you own the system outright and may qualify for up to $2,000 in federal tax credits. With California's electricity rates at 31.9¢ per kWh, an efficient heat pump can deliver meaningful energy savings year-round.

In Fremont, a heat pump is typically worth it financially due to California's electricity rate of 31.9¢ per kWh and the region's mild climate (Climate Zone 10). Heat pumps can reduce heating and cooling costs by 30-50% compared to traditional systems, meaning most homeowners see meaningful savings on their monthly energy bills within the first year of operation.

Palmetto makes heat pumps even more financially accessible with two options: a Comfort Plan with $0 upfront cost and predictable monthly payments including all maintenance, or direct purchase with potential federal tax credits up to $2,000 under the Inflation Reduction Act plus local rebates. The financial benefit depends on your current system and preferences, but Fremont's moderate temperatures mean your heat pump will operate efficiently year-round.

Heat pumps in Fremont are installed by licensed HVAC contractors who specialize in heating and cooling systems. Palmetto partners with certified local installers who understand Fremont's Climate Zone 10 conditions and can properly size and install heat pump systems for homes in the area.

When you choose Palmetto for your heat pump installation, you can either lease through our Comfort Plan with $0 upfront and all maintenance included, or purchase your system outright and potentially qualify for up to $2,000 in federal tax credits. Both options include professional installation by experienced technicians who ensure your system runs efficiently in Fremont's climate.

HVAC stands for Heating, Ventilation, and Air Conditioning—it's an umbrella term for all climate control systems in your home. A heat pump is actually a specific type of HVAC system that both heats and cools your space by transferring heat rather than generating it through combustion, making it highly efficient.

In Fremont's Climate Zone 10, where temperatures range from 33°F in winter to 95°F in summer, heat pumps work exceptionally well year-round. With California's electricity rate at 31.9¢ per kWh, their efficiency can lead to meaningful energy savings compared to traditional furnace-and-AC combinations that many people think of when they hear "HVAC."