Clermont, 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
Clermont, FL Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on Clermont’s ACCA-standard design conditions: 72°F indoor, 95°F outdoor for cooling, and 33°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
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
Heat Pump Financing in Clermont
While Florida's state-level HOMES and HEEHRA rebate programs are still in development and not yet active in 2026, homeowners in Clermont may qualify for utility-specific rebates through providers like Florida Public Utilities ($250-$500) or JEA ($200). The federal IRA tax credit of up to $2,000 remains available through 2032. Palmetto's Comfort Plan lease offers $0 upfront cost as an alternative to purchasing, allowing you to benefit from heat pump efficiency without the installation burden.
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.
Palmetto Comfort Plan: $0 Upfront Heat Pump Leasing
Even without local rebates, Palmetto's Comfort Plan makes upgrading easy. You get a high-efficiency heat pump installed with $0 upfront cost, predictable monthly payments, and all maintenance and repairs included for the life of the plan.
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
Clermont sits in IECC Climate Zone 10, which means mild winters with temperatures rarely dipping below 33°F and hot, humid summers reaching 95°F. This climate profile makes heat pumps an ideal year-round solution—they'll handle cooling demands during long summers while providing efficient heating on those occasional chilly mornings. At Palmetto, we factor in Clermont's specific conditions when sizing and selecting your system. Enter your ZIP code below to confirm your zone or explore how other areas compare.
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
Clermont Electricity Prices
Understanding electricity costs in Clermont helps you make smarter decisions about your home's heating and cooling system.
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 trend shows energy costs remain a significant concern for Clermont homeowners.
Heat pumps offer a practical response to rising electricity costs. Because they move heat rather than generate it, heat pumps use 2-3 times less electricity than traditional HVAC systems to deliver the same comfort, which means lower monthly bills even as rates fluctuate.
Over a system's 15-20 year lifespan, this efficiency advantage compounds significantly. As electricity rates continue their upward trajectory, a heat pump's lower energy consumption provides increasing value, protecting your budget while keeping your Clermont home comfortable year-round.
Price of Energy: Florida vs National Average
Clermont Area Utility Providers
Clermont residents are served by two main utility providers with varying electricity rates. According to 2023 data, Duke Energy charges 18.10¢ per kWh, while Sumter Electric Cooperative offers 13.0¢ per kWh.
Duke Energy's rates sit above both the national average (16.0¢) and Florida's state average (15.20¢), reflecting infrastructure costs in rapidly growing Central Florida. Sumter Electric Cooperative's lower rates benefit from their cooperative structure and efficient operations.
Understanding your electricity costs matters when considering home comfort upgrades. Heat pumps use significantly less energy than traditional heating and cooling systems, which means lower bills regardless of your utility provider—especially valuable for Duke Energy customers facing higher rates.
Clermont 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 Clermont. With Climate Zone 10's mild winters (design heating temperature of 33°F) and warm summers (design cooling temperature of 95°F), heat pumps operate efficiently year-round, providing both heating and cooling while consuming less electricity than traditional HVAC systems at Florida's 14.2¢ per kWh rate.
Clermont homeowners can access heat pump technology through Palmetto's Comfort Plan with $0 upfront and all maintenance included, or through direct purchase to potentially qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act. Either option delivers long-term energy savings and reliable comfort in Clermont's climate.
Heat pumps are highly efficient in Clermont's Climate Zone 10, where mild winters (design temp: 33°F) and warm summers (design temp: 95°F) create ideal operating conditions. Modern heat pumps can deliver 2-4 times more heating or cooling energy than the electricity they consume, making them exceptionally cost-effective with Florida's current electricity rate of 14.2¢ per kWh.
Clermont's climate means your heat pump rarely faces extreme cold that can reduce efficiency, allowing it to maintain peak performance year-round. Palmetto offers heat pump installation through a Comfort Plan with $0 upfront and included maintenance, or direct purchase options that 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 Clermont depends on your financial priorities and homeownership plans. Buying means paying upfront but owning the equipment outright, plus you may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act. Leasing through Palmetto's Comfort Plan requires $0 upfront and includes all maintenance and repairs in your monthly payment.
For Clermont's climate—with cooling needs dominating much of the year and electricity at 14.2¢ per kWh—both options deliver energy savings. Leasing works well if you prefer predictable costs without maintenance worries, while buying makes sense if you want to maximize tax incentives and plan to stay in your home long-term. Consider your budget and how long you'll own your home.
Heat pump installation costs in Clermont typically range from $5,000 to $15,000 for a complete system, depending on your home's size, existing ductwork, and the unit's efficiency rating. Climate Zone 10's mild winters (design temp: 33°F) make Clermont ideal for heat pumps, which can significantly reduce energy costs compared to traditional HVAC systems at Florida's current 14.2¢ per kWh electricity rate.
Palmetto offers two ways to get a heat pump in Clermont: 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. The right option depends on whether you prefer no upfront investment or maximizing available incentives.
Yes, heat pumps are typically worth it financially in Clermont, FL. With Florida's electricity rate at 14.2¢ per kWh and our mild winters (rarely dropping below 33°F), heat pumps can reduce your heating and cooling costs by 30-50% compared to traditional systems, often saving homeowners $500-1,200 annually on energy bills.
Palmetto makes heat pumps more accessible with two options: a Comfort Plan with $0 upfront cost and predictable monthly payments, or direct purchase with potential federal tax credits up to $2,000. Most Clermont homeowners see a return on investment within 5-10 years through energy savings, while enjoying consistent comfort year-round in our hot, humid climate.
In Clermont, licensed HVAC contractors install heat pumps, including companies like Palmetto that specialize in home energy solutions. Professional installers ensure your system is properly sized for Climate Zone 10 conditions, where summer temperatures reach 95°F and winter lows drop to around 33°F, maximizing efficiency and comfort year-round.
Palmetto offers two installation options for Clermont 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 certified technicians who understand Florida's unique climate needs and local building requirements.
A heat pump is actually a type of HVAC system. HVAC stands for Heating, Ventilation, and Air Conditioning—it's an umbrella term for all climate control equipment. Heat pumps are unique because they both heat and cool your home using one system, transferring heat rather than generating it through combustion like traditional furnaces.
In Clermont's Climate Zone 10, where winter lows reach around 33°F and summer highs hit 95°F, heat pumps work efficiently year-round. They typically use less electricity than separate heating and cooling systems, which matters when Florida's electricity costs average 14.2¢ per kWh. Palmetto offers heat pumps through a Comfort Plan with no upfront cost and included maintenance, or direct purchase with potential federal tax credits up to $2,000.