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

Port St. Lucie, FL Heat Pump Load Calculator

This calculator estimates your home’s heating and cooling needs using ACCA-standard design conditions for Port St. Lucie: 95°F cooling and 33°F heating outdoors, with 72°F indoors. 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

Port St. Lucie, 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 Port St. Lucie homeowners.

FPL Heat Pump Rebate

$200

Florida Power & Light offers an instant $200 rebate when you purchase and install a new energy-efficient air conditioning system or heat pump. The system must meet minimum efficiency standards.

Eligibility: Must be an FPL residential customer in their service area. System must be ENERGY STAR certified with minimum 15.0 SEER rating. Homeowner must own the residence.

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 →

Port St. Lucie 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 expected to launch in the future, they are not yet active in 2026. Palmetto can help homeowners understand available incentives and explore financing options like our Comfort Plan lease, which offers $0 upfront cost as an alternative to purchasing a heat pump outright.

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

Port St. Lucie sits in IECC Climate Zone 10, characterized by mild winters (rarely dipping below 33°F) and hot, humid summers (reaching 95°F). This climate demands a heat pump optimized for efficient cooling with occasional heating support. At Palmetto, we understand Port St. Lucie's unique conditions and help homeowners select systems sized correctly for year-round comfort. Explore other 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

Port St. Lucie Electricity Prices

Understanding electricity costs in Port St. Lucie 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 upward trend impacts every homeowner's monthly budget.

Heat pumps offer a practical response to rising electricity costs. Because they're 2-3 times more efficient than traditional HVAC systems, they deliver the same heating and cooling while consuming significantly less electricity per unit of comfort.

As electricity rates continue fluctuating, efficiency becomes increasingly valuable. A heat pump's lower energy consumption means your monthly bills stay more manageable, even when rates climb—protecting your budget today and for years to come.

Price of Energy: Florida vs National Average

10¢
20¢
30¢
13.7¢
11.9¢
15.0¢
13.9¢
16.0¢
15.2¢
16.5¢
14.1¢
2021
2022
2023
2024
US Average
Florida

Port St. Lucie Area Utility Providers

Port St. Lucie residents are served primarily by Florida Power & Light (FPL). According to 2023 data, FPL's average electricity rate was 15.0¢ per kWh—below both the national average of 16.0¢ and Florida's state average of 15.20¢.

FPL's competitive rates stem from Florida's favorable energy landscape, including natural gas infrastructure and economies of scale from serving millions of customers. The state's warm climate also reduces seasonal demand spikes compared to regions requiring intense winter heating.

While Port St. Lucie enjoys below-average electricity costs, efficient systems still matter. Heat pumps use significantly less energy than traditional HVAC by transferring heat rather than generating it, meaning lower bills even in areas with reasonable rates. Higher efficiency translates to more savings over time.

Port St. Lucie Utilities Electricity Rates

FPL
15.00¢
-6%
FL Average
15.20¢
-5%
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

Heat pumps make excellent sense in Port St. Lucie's Climate Zone 10, where mild winters (design temp: 33°F) and hot summers (design temp: 95°F) create ideal operating conditions. They efficiently handle both heating and cooling year-round, reducing energy costs compared to traditional HVAC systems while working with Florida's 14.2¢ per kWh electricity rates.

Port St. Lucie homeowners can choose between Palmetto's Comfort Plan with $0 upfront and included maintenance, or direct purchase to own equipment outright and potentially access up to $2,000 in federal tax credits. Both options provide reliable comfort in Florida's subtropical climate without the complexity of separate heating and cooling systems.

Heat pumps are exceptionally efficient in Port St. Lucie'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 2-4 times more heating or cooling energy than the electricity they consume, which translates to significant savings on your energy bills at Florida's current 14.2¢ per kWh rate.

The subtropical climate means your heat pump rarely faces the extreme cold that reduces efficiency in northern regions, allowing it to maintain peak performance year-round. Palmetto offers flexible options to make this efficiency accessible—choose our Comfort Plan with $0 upfront and included maintenance, or purchase directly to take advantage of up to $2,000 in federal tax credits under the Inflation Reduction Act.

The choice between leasing and buying a heat pump in Port St. Lucie depends on your financial priorities and homeownership plans. Purchasing 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. Leasing through Palmetto's Comfort Plan requires $0 upfront and includes all maintenance, repairs, and warranty coverage with a predictable monthly payment.

For Port St. Lucie's year-round cooling demands in Climate Zone 10, consider how long you'll stay in your home and your comfort with maintenance responsibilities. Leasing makes sense if you prefer hassle-free service and want to avoid unexpected repair costs, while buying is ideal if you want to maximize long-term savings and take advantage of available incentives. Both options deliver energy-efficient cooling in Florida's 14.2¢ per kWh electricity market.

Heat pump costs in Port St. Lucie 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. In Florida's Climate Zone 10, where cooling demands are high with design temperatures reaching 95°F, proper sizing and efficiency become especially important for long-term performance and energy savings.

Palmetto offers two flexible options 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 equipment outright and may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act. Both options help Port St. Lucie homeowners reduce energy costs compared to traditional systems, particularly valuable with Florida's current electricity rate of 14.2¢ per kWh.

In Port St. Lucie's Climate Zone 10, heat pumps are financially advantageous because they use electricity more efficiently than traditional systems—often 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 the mild winter months when heating demands are minimal.

Palmetto makes heat pumps accessible through two financial options: a Comfort Plan with $0 upfront cost and predictable monthly payments including all maintenance, or direct purchase which may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act. The right choice depends on whether you prefer immediate savings without upfront investment or long-term ownership with available incentives.

In Port St. Lucie, heat pumps are installed by licensed HVAC contractors who are trained and certified to work with these efficient heating and cooling systems. Palmetto partners with qualified local installers who understand Florida's Climate Zone 10 requirements, where systems must handle both 95°F summer heat and occasional 33°F winter lows.

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 outright and may qualify for up to $2,000 in federal tax credits. Both options include professional installation by experienced technicians who ensure your system operates efficiently in Port St. Lucie's humid subtropical climate.

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 specific type of HVAC system that both heats and cools your home by transferring heat rather than generating it through combustion or electric resistance.

In Port St. Lucie's Climate Zone 10, where temperatures range from 33°F in winter to 95°F in summer, heat pumps work exceptionally well year-round. They're more energy-efficient than traditional HVAC systems, which matters when Florida's electricity costs average 14.2¢ per kWh. Palmetto offers heat pumps through a Comfort Plan with zero upfront costs and included maintenance, or through direct purchase with potential federal tax credits up to $2,000.