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

Bridgeport, CT Heat Pump Load Calculator

Use our calculator below to estimate your home’s heating and cooling needs based on ACCA-standard design conditions for Bridgeport, CT: 91°F for cooling and -5°F for heating. This square-foot method provides a helpful starting point. 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

Bridgeport, CT 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 Bridgeport homeowners.

Energize CT Energy Optimization

Up to $3,000

Provides $750 per ton heat pump rebate on systems used to replace oil, propane, natural gas, or electric resistance (baseboard) as a primary heating source. Equipment must be installed by a contractor participating in the Energize CT Heat Pump Installer Network.

Eligibility: Rebate is valid for residential electric customers of Eversource and UI. Equipment must be installed in the service territory of the participating utility and must be installed by a contractor participating in the Energize CT Heat Pump Installer Network. Effective July 1, 2024, all residential heat pump applications require a rebate registration and approval prior to install.

Learn more →

Energize CT Air Source Heat Pump

Up to $1,000

Provides $250 per ton heat pump rebate on systems used to replace oil, propane, natural gas, or electric resistance (baseboard) as a primary heating source. Claim your rebate online by uploading your final, paid invoice at EnergizeCT.com/Rebates.

Eligibility: Rebate is valid for residential electric customers of Eversource and UI. Rebate is valid for qualifying air source heat pumps to replace an existing heat pump, to add to a previously unconditioned space, or when used for cooling only. Equipment must be installed in the service territory of the participating utility and must be installed by a contractor participating in the Energize CT Heat Pump Installer Network.

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 →

Bridgeport homeowners have access to two active Energize Connecticut heat pump rebate programs in 2026, offering up to $750 per ton for systems replacing fossil fuels or up to $250 per ton for other qualifying installations. These programs can be combined with the federal IRA tax credit (up to $2,000) to maximize savings. Palmetto can help homeowners navigate these rebate programs, verify eligibility with their utility provider, and ensure proper documentation for claiming all 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

Bridgeport sits in IECC Climate Zone 6, which means cold winters (design temps down to -5°F) and warm summers (up to 91°F). This temperature range directly impacts which heat pump systems will keep your home comfortable year-round. At Palmetto, we know Bridgeport's climate inside and out—and we'll help you find a heat pump sized and selected for exactly these conditions. 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

Bridgeport Electricity Prices

Bridgeport residents face some of the highest electricity rates in the nation—and understanding these costs is essential for smart home energy decisions.

Connecticut's electricity costs have surged from 21.9 cents per kWh in 2021 to 28.8 cents per kWh in 2024—nearly double the national average of 16.5 cents per kWh.

Heat pumps offer a practical response to rising rates. Because they're 2-3 times more efficient than traditional HVAC systems, they use significantly less electricity to deliver the same heating and cooling.

As electricity costs continue climbing, that efficiency gap translates to real savings. Investing in a heat pump today means lower monthly bills and protection against future rate increases for years to come.

Price of Energy: Connecticut vs National Average

10¢
20¢
30¢
40¢
13.7¢
21.9¢
15.0¢
24.6¢
16.0¢
29.9¢
16.5¢
28.8¢
2021
2022
2023
2024
US Average
Connecticut

Bridgeport Area Utility Providers

Bridgeport residents receive electricity from United Illuminating (UI), which charged 33.2¢ per kWh in 2023—significantly above the national average of 16.0¢ and slightly higher than Connecticut's state average of 29.90¢.

Connecticut's electricity costs remain elevated due to the state's reliance on natural gas for power generation, limited regional energy infrastructure, and higher transmission costs. These factors contribute to UI's rates exceeding both state and national benchmarks.

While Bridgeport's electricity rates are high, heat pumps can still reduce your total energy spending. Their exceptional efficiency means they use far less energy than traditional heating systems, helping offset higher per-kilowatt costs with lower overall consumption.

Bridgeport Utilities Electricity Rates

UI
33.20¢
+108%
CT Average
29.90¢
+87%
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 Bridgeport. Modern cold-climate heat pumps perform efficiently even at Bridgeport's design heating temperature of -5°F, providing both heating and cooling for Connecticut's full range of weather. With electricity at 28.8¢ per kWh, heat pumps deliver significantly more heating energy per dollar than traditional electric resistance systems.

Bridgeport homeowners can choose between two practical pathways: a Comfort Plan lease with $0 upfront and all maintenance included, or direct purchase with potential federal tax credits up to $2,000. Either option positions your home for long-term comfort and efficiency in Climate Zone 6's cold winters and warm summers.

Heat pumps perform very efficiently in Bridgeport's Climate Zone 6, even during cold winters. Modern cold-climate heat pumps are designed to handle temperatures down to -5°F, Bridgeport's design heating temperature, while delivering 2-3 times more heating energy than they consume in electricity. This efficiency translates to meaningful savings compared to traditional heating systems, especially with Connecticut's electricity rate of 28.8¢ per kWh.

During Bridgeport's mild spring and fall months, heat pumps operate at peak efficiency, and they also provide excellent cooling when summer temperatures reach 91°F. The system works year-round as both your heater and air conditioner, eliminating the need for separate systems. Palmetto makes installation accessible through flexible options: a Comfort Plan with zero upfront costs 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 Bridgeport depends on your financial situation and priorities. Buying means paying upfront but owning the equipment outright, with potential access to federal tax credits up to $2,000 and local rebates. Leasing through Palmetto's Comfort Plan requires $0 upfront and includes all maintenance, repairs, and warranty coverage in your monthly payment.

Consider Bridgeport's Climate Zone 6 conditions, where heat pumps work year-round through cold winters and warm summers. With Connecticut's electricity rates at 28.8¢ per kWh, a heat pump can deliver significant savings either way. Leasing suits homeowners who prefer predictable costs without maintenance concerns, while buying appeals to those who want to maximize tax incentives and own their system.

Heat pump installation costs in Bridgeport typically range from $10,000 to $25,000 depending on your home's size, existing infrastructure, and system capacity needed to handle Connecticut's Climate Zone 6 conditions (winter lows around -5°F). However, federal tax credits under the Inflation Reduction Act can reduce upfront costs by up to $2,000, plus potential local rebates may be available.

Palmetto offers two flexible options to fit your budget: a Comfort Plan with $0 upfront cost and predictable monthly payments that include all maintenance and repairs, or direct purchase where you own the equipment outright and qualify for available incentives. Both options help Bridgeport homeowners transition to efficient heating and cooling despite Connecticut's 28.8¢ per kWh electricity rates.

Yes, heat pumps are typically worth it financially in Bridgeport, especially with Connecticut's electricity rate of 28.8¢ per kWh. Heat pumps can reduce heating costs by 30-50% compared to traditional systems because they move heat rather than generate it, making them highly efficient even in Climate Zone 6 conditions.

The financial picture improves further with available incentives and flexible payment options. Direct purchase may qualify for up to $2,000 in federal tax credits plus local rebates, while Palmetto's Comfort Plan eliminates upfront costs with a predictable monthly payment that includes all maintenance and repairs, helping you start saving without a large initial investment.

Heat pumps in Bridgeport are installed by licensed HVAC contractors who are certified to work with these systems in Connecticut's Climate Zone 6 conditions. Professional installers assess your home's heating and cooling needs, ensure proper sizing for Bridgeport's temperature extremes (-5°F to 91°F), and handle all electrical and refrigerant work to code.

Palmetto partners with qualified local installers to provide heat pump installation in Bridgeport through two options: a Comfort Plan with $0 upfront cost and included maintenance, or direct purchase where you own the system and may qualify for up to $2,000 in federal tax credits. Both options ensure professional installation tailored to your home's specific requirements.

HVAC stands for Heating, Ventilation, and Air Conditioning—it's an umbrella term for all systems that heat and cool your home. A heat pump is actually a type of HVAC system that provides both heating and cooling in one unit, transferring heat rather than generating it through combustion like traditional furnaces.

In Bridgeport's Climate Zone 6, where winter temperatures can drop to -5°F, modern heat pumps are designed to handle both extreme cold and summer highs of 91°F efficiently. Unlike traditional HVAC setups that require separate heating and cooling systems, a single heat pump does both jobs, which can mean lower energy costs given Connecticut's electricity rate of 28.8¢ per kWh.