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

Stamford, 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 Stamford, CT: 91°F for cooling and -5°F for heating. 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

Stamford, 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 Stamford homeowners.

Energize CT Energy Optimization

$750 per ton

Provides $750 per ton heat pump rebate on systems used to replace oil, propane, natural gas, or electric resistance 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 by a contractor participating in the Energize CT Heat Pump Installer Network.

Learn more →

Energize CT Air Source Heat Pump

$250 per ton

Provides $250 per ton heat pump rebate on systems used to replace oil, propane, natural gas, or electric resistance 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, 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 →

Stamford homeowners have access to two active Energize Connecticut heat pump rebate programs through United Illuminating, offering $750 per ton for energy optimization installations or $250 per ton for air source heat pumps, plus the federal IRA tax credit of up to $2,000. Palmetto can help homeowners navigate these programs, maximize available rebates, and ensure proper documentation for both state and federal incentives to reduce the overall cost of 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

Stamford falls within IECC Climate Zone 6, which means cold winters with design temperatures around -5°F and warm summers reaching 91°F. This temperature range directly impacts which heat pump systems will keep your home comfortable year-round and how they're sized for your specific needs. At Palmetto, we understand Stamford's climate inside and out, so we can recommend the right system for your home. 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

Stamford Electricity Prices

Connecticut's electricity rates are among the highest in the nation—and for Stamford homeowners, that means your heating and cooling costs add up fast.

Stamford residents pay nearly double the national average for electricity. Connecticut's rates jumped from 21.9 cents per kWh in 2021 to 28.8 cents in 2024, while the national average sits at just 16.5 cents.

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

As Connecticut's electricity rates continue to climb, that efficiency gap becomes even more valuable. Over the lifetime of your system, a heat pump's lower energy consumption can translate to thousands of dollars in savings.

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

Stamford Area Utility Providers

Stamford residents receive electricity primarily from two utilities: Eversource (31.6¢ per kWh in 2023) and United Illuminating or UI (33.2¢ per kWh). Both rates sit well above the 2023 national average of 16.0¢ per kWh.

Connecticut's electricity costs rank among the highest nationwide due to the state's reliance on natural gas for power generation, limited local energy resources, and infrastructure maintenance costs. Stamford's rates closely mirror the 2023 state average of 29.90¢ per kWh.

While Stamford's electricity costs are elevated, heat pumps can still reduce your total energy spending. Their exceptional efficiency means they deliver more heating and cooling per dollar spent compared to traditional systems, even when electricity rates run high.

Stamford Utilities Electricity Rates

Eversource
31.60¢
+98%
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 Stamford. As a Climate Zone 6 area with winter temperatures reaching -5°F and summer highs around 91°F, modern heat pumps can efficiently handle both heating and cooling needs year-round. With Connecticut's electricity rates at 28.8¢ per kWh, heat pumps typically deliver 2-3 times more heating energy than they consume, making them more cost-effective than traditional electric or oil heating systems.

Stamford homeowners have flexible options to get started. Palmetto's Comfort Plan requires $0 upfront and includes all maintenance and repairs, while direct purchase may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act plus local rebates. Both approaches can significantly reduce your energy bills while providing reliable comfort through Connecticut's cold winters and warm summers.

Heat pumps perform very well in Stamford's Climate Zone 6, efficiently heating homes even when temperatures drop to the design low of -5°F. Modern cold-climate heat pumps can deliver 2-3 times more heating energy than the electricity they consume, making them significantly more efficient than traditional heating systems, even during Connecticut's coldest winter days.

With Connecticut's electricity rate at 28.8¢ per kWh, this efficiency translates to meaningful energy savings throughout the year. Heat pumps also provide cooling during summer months when temperatures reach 91°F, replacing both your furnace and air conditioner with a single, efficient system that works year-round in Stamford's variable climate.

The choice between leasing and buying a heat pump in Stamford depends on your financial priorities and preferences. Leasing through Palmetto's Comfort Plan requires $0 upfront and includes all maintenance and repairs, making it ideal if you want predictable costs without maintenance concerns. Buying outright means you own the equipment and may qualify for up to $2,000 in federal tax credits plus local Connecticut rebates.

Consider Stamford's Climate Zone 6 conditions, where heat pumps work year-round from -5°F winters to 91°F summers. With Connecticut's electricity rates at 28.8¢ per kWh, a heat pump's efficiency matters long-term. Leasing spreads costs over time with included service, while buying maximizes incentives and ownership. Both options provide the same energy-efficient heating and cooling for your home.

Heat pump installation costs in Stamford typically range from $15,000 to $30,000 depending on your home's size, existing heating system, and equipment specifications. Climate Zone 6's cold winters (design temperatures reaching -5°F) may require additional capacity or backup heating, which can influence the final price.

Palmetto offers two payment options to fit your budget: a Comfort Plan lease with $0 upfront and predictable monthly payments including 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.

Yes, heat pumps are typically worth it financially for Stamford homeowners, especially with Connecticut's electricity rates at 28.8¢ per kWh. Heat pumps can reduce heating and cooling costs by 30-50% compared to traditional systems because they move heat rather than generate it, making them far more efficient even in Climate Zone 6 conditions.

The financial picture improves further when you factor in available incentives. Direct purchase customers may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act, plus local rebates. Alternatively, Palmetto's Comfort Plan offers a $0 upfront option with predictable monthly payments and included maintenance, making heat pumps accessible without large initial investment.

Heat pumps in Stamford are installed by licensed HVAC contractors who specialize in heating and cooling systems. These professionals assess your home's specific needs in Climate Zone 6, where winter temperatures can drop to -5°F, and recommend properly sized equipment to ensure year-round comfort and efficiency.

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

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 through combustion, making it highly efficient in Stamford's Climate Zone 6 conditions.

Traditional HVAC systems often use separate equipment like a furnace for heating and an air conditioner for cooling, while a heat pump handles both functions in one unit. This makes heat pumps particularly cost-effective in Connecticut, where electricity costs 28.8¢ per kWh—their efficiency can significantly reduce energy bills compared to conventional systems. Palmetto offers heat pumps through flexible options including a Comfort Plan with zero upfront costs or direct purchase with potential federal tax credits up to $2,000.