Boca Raton, FL 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
Boca Raton, FL Heat Pump Load Calculator
Use this calculator to estimate your home’s heating and cooling needs based on square footage and ACCA-standard design conditions for Boca Raton: 72°F indoor, 95°F outdoor cooling, and 33°F 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
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
Boca Raton, FL 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 Boca Raton homeowners.
FPL A/C and Heat Pump Rebate
$200Florida Power and Light offers an instant rebate for qualifying high-efficiency heat pump and air conditioning system installations through participating contractors.
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.
Boca Raton homeowners have access to FPL's $200 heat pump rebate program and the federal IRA tax credit of up to $2,000. While Florida's state-level HOMES and HEAR rebate programs are still in development, Palmetto can help you navigate the available incentives and ensure your heat pump installation qualifies for all applicable 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
Boca Raton sits in IECC Climate Zone 10, which means mild winters (rarely dipping below 33°F) and hot, humid summers (reaching 95°F). This climate demands a heat pump optimized for cooling efficiency while still handling occasional winter heating. At Palmetto, we understand exactly what works in South Florida's unique conditions and can help you choose the right system. Explore other climate 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
Boca Raton Electricity Prices
Understanding your electricity costs is essential when considering home comfort upgrades in Boca Raton.
Florida electricity rates jumped from 11.9 cents per kWh in 2021 to 15.2 cents in 2023—a 28% increase in just two years. While rates dipped slightly to 14.1 cents in 2024, the overall trend shows rising energy costs.
Heat pumps offer a practical response to these rising rates. Because they're 2-3x more efficient than traditional HVAC systems, they use significantly less electricity to deliver the same heating and cooling, helping offset higher utility costs.
As electricity prices continue fluctuating, efficiency becomes increasingly valuable. A heat pump's lower energy consumption means your monthly bills remain more manageable, even when rates rise—protecting your budget for years to come.
Price of Energy: Florida vs National Average
Boca Raton Area Utility Providers
Boca Raton residents are served primarily by Florida Power & Light (FPL), which charged an average of 15.0¢ per kWh in 2023—slightly below both the state average of 15.20¢ and the national average of 16.0¢.
FPL's competitive rates reflect Florida's natural gas infrastructure and the utility's investments in solar energy. The state's warm climate also reduces heating costs, though cooling demands remain high year-round for most households.
Even with below-average electricity rates, efficient heating and cooling matters. Heat pumps use significantly less energy than traditional HVAC systems, which means lower monthly bills regardless of your utility's pricing—a smart investment for Boca Raton's climate.
Boca Raton 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 make excellent sense in Boca Raton. In Climate Zone 10, where temperatures rarely drop below 33°F, heat pumps operate efficiently year-round for both heating and cooling. With Florida's electricity rate at 14.2¢ per kWh, the energy efficiency of modern heat pumps can translate to meaningful savings on your utility bills compared to traditional systems.
Boca Raton's mild winters mean heat pumps don't have to work as hard during heating season, maximizing their performance advantages. Palmetto makes installation accessible through two options: the Comfort Plan with $0 upfront and all maintenance included, or direct purchase which may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act.
Heat pumps are extremely efficient in Boca Raton's Climate Zone 10, where mild winters (design temp: 33°F) and hot summers (design temp: 95°F) create ideal operating conditions. Modern heat pumps can deliver 3-4 units of heating or cooling for every unit of electricity consumed, making them far more efficient than traditional HVAC systems in South Florida's subtropical climate.
With Florida's electricity rate at 14.2¢ per kWh, this efficiency translates to meaningful monthly savings on your energy bills. Palmetto makes heat pump installation accessible through our Comfort Plan with $0 upfront cost and included maintenance, or through direct purchase where you may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act.
The choice between leasing and buying a heat pump in Boca Raton depends on your financial priorities and homeownership plans. Buying means paying upfront but owning the equipment outright, plus you may qualify for federal tax credits up to $2,000 under the Inflation Reduction Act. Leasing through Palmetto's Comfort Plan requires $0 upfront and includes all maintenance, repairs, and warranty coverage with a predictable monthly payment.
For Boca Raton's year-round cooling demands in Climate Zone 10, consider how long you'll stay in your home and your comfort with maintenance responsibilities. If you prefer avoiding large upfront costs and want hassle-free service, leasing offers peace of mind. If you plan to stay long-term and want to maximize tax incentives while building equity in your equipment, purchasing may provide better value over time.
Heat pump installation costs in Boca Raton typically range from $5,000 to $15,000 for a complete system, depending on your home's size, existing ductwork, and equipment efficiency. Factors like Climate Zone 10's cooling demands (design temp of 95°F) influence the system size needed to keep your home comfortable year-round.
Palmetto offers two flexible options: a Comfort Plan 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.
In Boca Raton's climate, heat pumps are financially advantageous because they use less electricity than traditional HVAC systems. With Florida's electricity rate at 14.2¢ per kWh, the efficiency of heat pumps—which move heat rather than generate it—translates to lower monthly utility bills, especially during our mild winters and hot summers.
Palmetto makes heat pumps accessible through two options: a Comfort Plan with $0 upfront and maintenance included, or direct purchase with potential federal tax credits up to $2,000. Most homeowners see the investment pay for itself through energy savings over time, while enjoying year-round comfort and increased home value.
In Boca Raton, licensed HVAC contractors install heat pumps, and it's essential to choose professionals familiar with Climate Zone 10 requirements where cooling demands dominate. Palmetto provides expert heat pump installation through certified technicians who understand Florida's unique climate conditions and ensure proper system sizing for homes in the area.
Palmetto offers two installation options: a Comfort Plan with $0 upfront cost that includes all maintenance and repairs, or direct purchase where you own the equipment and may qualify for up to $2,000 in federal tax credits. Both options provide professional installation backed by warranty coverage and ongoing support tailored to Boca Raton's heating and cooling needs.
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, making it highly efficient in Boca Raton's Climate Zone 10 conditions.
Unlike traditional HVAC systems that use separate furnaces and air conditioners, a heat pump handles both jobs with one unit. This efficiency can lead to meaningful savings on your electricity bills at Florida's current rate of 14.2¢ per kWh. Palmetto makes upgrading simple with flexible options: lease through our Comfort Plan with zero upfront costs and included maintenance, or purchase directly to own your equipment outright.