Naples, 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
Naples, FL Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on square footage. It uses ACCA-standard design conditions for Naples: 72°F indoor, 95°F outdoor cooling, and 33°F heating temperatures. 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 Naples
Florida homeowners have access to two major state-administered rebate programs funded by the Inflation Reduction Act: HOMES and HEAR. Both programs are expected to launch in 2026 and can provide substantial rebates for heat pump installations and other energy efficiency upgrades. Palmetto can help homeowners understand their eligibility and navigate the application process once these programs become active. For those who cannot wait or do not qualify for state rebates, Palmetto's Comfort Plan lease offers $0 upfront cost as an alternative path to heat pump ownership.
Florida HOMES Rebate Program
Up to $8,000Florida's Home Efficiency Rebates (HOMES) program, funded by the Inflation Reduction Act, provides rebates for comprehensive home energy efficiency improvements. The program is expected to launch in 2026 with up to $8,000 in rebates for projects that reduce energy use by 20% or more.
Florida HEAR Rebate Program
Up to $8,000Florida's Home Electrification and Appliance Rebates (HEAR) program, funded by the Inflation Reduction Act, provides rebates for purchasing high-efficiency electric equipment including heat pumps. The program is expected to launch in 2026.
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. Note: The federal Section 25C tax credit for air-source heat pumps expired December 31, 2025 and is not available for 2026 installations.
04
Climate Zones
Naples sits in IECC Climate Zone 10, which means mild winters with design temperatures around 33°F and hot, humid summers reaching 95°F. This climate profile heavily favors cooling over heating—meaning your heat pump needs to excel at keeping you comfortable during long, sweltering months while handling the occasional cool evening. At Palmetto, we factor in Naples's unique conditions to recommend systems sized and selected for exactly how you'll use them. Explore other 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
Naples Electricity Prices
Understanding electricity costs in Naples 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 upward trend affects every Naples homeowner's monthly budget.
Heat pumps offer a practical solution to rising electricity costs. Because they're 2-3 times more efficient than traditional HVAC systems, they use significantly less electricity to deliver the same amount of heating and cooling for your home.
As electricity rates continue fluctuating, a heat pump's efficiency becomes increasingly valuable. Lower energy consumption means your monthly costs stay manageable, even when rates rise—protecting your budget for years to come.
Price of Energy: Florida vs National Average
Naples Area Utility Providers
Naples residents are served by two main utility providers: Florida Power & Light (FPL) at 15.0¢ per kWh and Lee County Electric Cooperative (LCEC) at 14.5¢ per kWh, based on 2023 data.
Both rates sit below the 2023 national average of 16.0¢ per kWh and near Florida's state average of 15.20¢ per kWh, reflecting the state's competitive energy market and diverse fuel sources.
With favorable electricity rates in Naples, heat pumps become even more cost-effective. Their high efficiency means they use less electricity than traditional HVAC systems, helping you reduce total energy spending year-round.
Naples 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.
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- Energy insights & Dashboard
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- 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 Naples. The city's Climate Zone 10 location means mild winters (design heating temp: 33°F) and hot summers (design cooling temp: 95°F), which is ideal for heat pump efficiency. Heat pumps both cool and heat your home using electricity, and they typically use less energy than traditional systems, helping you manage costs with Florida's 14.2¢ per kWh electricity rate.
Naples homeowners can choose between two straightforward options: Palmetto's Comfort Plan with $0 upfront and all maintenance included, or direct purchase with potential federal tax credits up to $2,000 under the Inflation Reduction Act. Either way, heat pumps provide year-round comfort while reducing energy consumption compared to older HVAC systems, making them a smart investment for Southwest Florida's climate.
Heat pumps are exceptionally efficient in Naples's warm climate. Located in Climate Zone 10, Naples experiences mild winters with design temperatures rarely dropping below 33°F, which means heat pumps can operate at peak efficiency year-round. Modern heat pumps can deliver 2-4 times more heating or cooling energy than the electricity they consume, making them far more cost-effective than traditional systems at Florida's current electricity rate of 14.2¢ per kWh.
The hot, humid summers in Naples (with design temperatures around 95°F) are also ideal for heat pump cooling performance. Unlike northern climates where extreme cold can reduce efficiency, Naples's moderate winter conditions allow heat pumps to maintain consistent performance without relying on backup heating. This means lower energy bills throughout the year and a comfortable home in every season.
The choice between leasing and buying a heat pump in Naples depends on your financial priorities and preferences. 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 a Comfort Plan requires $0 upfront and includes all maintenance and repairs in your monthly payment.
In Naples' Climate Zone 10, where your heat pump will run frequently to handle 95°F summer temperatures and 14.2¢ per kWh electricity costs, maintenance matters. If you prefer predictable expenses without repair surprises, leasing offers peace of mind. If you want to maximize long-term savings and can handle the upfront investment, buying lets you capture available incentives and build equity in your system.
Heat pump costs in Naples 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. Naples' Climate Zone 10 conditions—with cooling needs up to 95°F—often require properly sized systems to handle the region's humidity and heat efficiently.
Palmetto offers two approaches 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 system outright and may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act. Both options help Naples homeowners reduce energy costs with Florida's 14.2¢ per kWh electricity rates.
Yes, heat pumps are typically worth it financially in Naples. They can reduce cooling and heating costs by 30-50% compared to traditional systems, and with Florida's electricity rate at 14.2¢ per kWh, those savings add up quickly in our year-round climate.
Palmetto makes heat pumps more accessible with two options: a Comfort Plan with $0 upfront and maintenance included, or direct purchase with potential federal tax credits up to $2,000. Most Naples homeowners see the investment pay for itself through lower energy bills within several years.
Heat pumps in Naples are installed by licensed HVAC contractors who are certified to work with heat pump systems. Companies like Palmetto partner with qualified local installers who understand Naples' Climate Zone 10 requirements, where systems need to handle 95°F cooling days efficiently while providing backup heating for occasional 33°F winter lows.
Palmetto offers two installation options for Naples 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 experienced technicians who ensure your system is properly sized and configured for Florida's humidity and year-round cooling demands.
A heat pump is actually a type of HVAC system. HVAC stands for Heating, Ventilation, and Air Conditioning—it's an umbrella term for any equipment that controls your home's temperature. Heat pumps are a specific HVAC technology that both heats and cools your home by transferring heat rather than generating it through combustion.
In Naples' Climate Zone 10, where temperatures range from 33°F in winter to 95°F in summer, heat pumps work efficiently year-round using electricity at Florida's current rate of 14.2¢ per kWh. Unlike traditional HVAC systems that use separate equipment for heating and cooling, a single heat pump handles both functions, making it a streamlined solution for your home comfort needs.