Kissimmee, 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
Kissimmee, FL Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on ACCA-standard design conditions for Kissimmee, FL: 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
Heat Pump Financing in Kissimmee
While Florida's state-level HOMES and HEAR rebate programs are expected to launch in the future, they are not yet active in 2026. The Kissimmee Utility Authority (KUA) does not currently offer heat pump rebates. However, homeowners can still take advantage of the federal IRA tax credit of up to $2,000 for qualifying heat pump installations. Palmetto's Comfort Plan lease offers an alternative with $0 upfront cost, allowing you to enjoy the benefits of a heat pump system without the initial investment.
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
Kissimmee sits in IECC Climate Zone 10, where winters are mild—rarely dipping below 33°F—and summers are hot and humid, often reaching 95°F. This climate profile means your heat pump needs to handle serious cooling demands while providing occasional heating. At Palmetto, we understand exactly what works in Kissimmee's subtropical conditions and can help you choose a system sized for your home's needs. 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
Kissimmee Electricity Prices
Understanding electricity costs in Kissimmee helps you make smarter decisions about home comfort and long-term savings.
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 volatile.
Heat pumps offer a practical response to 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, reducing your monthly energy consumption.
As electricity costs continue fluctuating, efficiency becomes increasingly valuable. A heat pump's lower energy consumption means you're better insulated from rate increases, keeping more money in your pocket year after year.
Price of Energy: Florida vs National Average
Kissimmee Area Utility Providers
Kissimmee residents have three main electricity providers: Orlando Utilities Commission (OUC), Duke Energy, and Florida Power & Light (FPL). According to 2023 data, their rates varied significantly—from 12.6¢ to 18.1¢ per kWh.
OUC offered the lowest rates at 12.6¢ per kWh, well below both the state average (15.2¢) and national average (16.0¢). FPL's 15.0¢ rate stayed close to state levels, while Duke Energy's 18.1¢ exceeded both benchmarks considerably.
Understanding your electricity costs matters because heat pumps can significantly reduce your total energy spending. Their efficiency means they use less electricity for heating and cooling—making them a smart investment regardless of whether your local rates run high or low.
Kissimmee 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 Kissimmee. With a mild winter climate (design heating temperature of 33°F) and hot summers reaching 95°F, heat pumps efficiently handle both heating and cooling year-round. They use significantly less electricity than traditional systems, which matters when Florida's electricity costs average 14.2¢ per kWh.
Kissimmee homeowners can choose between two approaches: a Comfort Plan with zero upfront cost and included maintenance, or direct purchase to own the equipment outright and potentially qualify for up to $2,000 in federal tax credits. Either way, the combination of mild winters and energy efficiency makes heat pumps a smart investment for local homeowners.
Heat pumps are exceptionally efficient in Kissimmee's climate. Located in Climate Zone 10, Kissimmee experiences mild winters with design temperatures around 33°F and warm summers reaching 95°F. These conditions are ideal for heat pump operation, as the technology works most efficiently in moderate climates where extreme cold is rare. Heat pumps can deliver 2-4 times more heating or cooling energy than the electricity they consume.
With Florida's current electricity rate of 14.2¢ per kWh, efficient heat pump operation translates to meaningful savings on your energy bills. Kissimmee homeowners can access this efficiency through Palmetto's Comfort Plan with $0 upfront and included maintenance, or through direct purchase which may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act. Both options help you maximize efficiency in our local climate.
The choice between leasing and buying a heat pump in Kissimmee depends on your financial situation 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 under the Inflation Reduction Act, plus local rebates.
Consider Kissimmee's year-round cooling demands in Climate Zone 10, where heat pumps run frequently and electricity costs 14.2¢ per kWh. If you prefer avoiding unexpected repair bills and want hassle-free service, leasing offers peace of mind. If you can manage the upfront investment and want to maximize tax incentives while building home equity, purchasing may provide better long-term value.
Heat pump costs in Kissimmee typically range from $5,000 to $15,000 for a complete installation, depending on your home's size, existing ductwork, and the system's efficiency rating. Given Kissimmee's Climate Zone 10 conditions—with cooling demands up to 95°F—properly sized equipment is essential for year-round comfort and efficiency.
Palmetto offers two flexible options: our Comfort Plan requires $0 upfront and includes all maintenance and repairs in a predictable monthly payment, or you can purchase directly and potentially qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act. Both options are designed to make heat pump installation accessible for Kissimmee homeowners.
In Kissimmee's climate, heat pumps are financially advantageous because they use electricity more efficiently than traditional systems—typically delivering 2-3 times more heating or cooling energy than the electricity they consume. With Florida's electricity rate at 14.2¢ per kWh, this efficiency translates to lower monthly utility bills, especially during our mild winters when heating demands are modest.
Palmetto makes heat pumps accessible through two financial options: a Comfort Plan with $0 upfront and predictable monthly payments including all maintenance, or direct purchase where you own the system and may qualify for up to $2,000 in federal tax credits. Most Kissimmee homeowners see the investment pay for itself through energy savings within several years, while enjoying consistent comfort year-round.
In Kissimmee, 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 cooling demands reach 95°F and heating needs drop to around 33°F during design conditions.
Palmetto offers two installation options: a Comfort Plan with $0 upfront cost and included maintenance, 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 Kissimmee's climate requirements and local building codes.
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, making it highly efficient in Kissimmee's mild winters and hot summers.
In Kissimmee's Climate Zone 10, where temperatures rarely drop below 33°F, heat pumps excel by providing year-round comfort while using less electricity than traditional HVAC systems with separate furnaces and air conditioners. With Florida's electricity rate at 14.2¢ per kWh, this efficiency translates to lower monthly utility bills while keeping your home comfortable in both seasons.