Winter Garden, 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
Winter Garden, FL Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on square footage. It’s calibrated to Winter Garden’s ACCA-standard design conditions: 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
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 Winter Garden
While Florida's state-level HOMES and HEAR rebate programs are still in development and have not yet launched in 2026, homeowners in Winter Garden can still benefit from the federal IRA tax credit of up to $2,000 for qualifying heat pump installations. Duke Energy Florida also offers Home Improvement Rebate Programs for energy efficiency upgrades, though specific 2026 heat pump amounts were not confirmed. Palmetto's Comfort Plan lease offers $0 upfront cost as an alternative way to access heat pump technology without the burden of purchasing equipment outright.
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
Winter Garden 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 is ideal for heat pumps, but sizing matters—your system needs to handle those sweltering summer days while efficiently warming your home during cooler months. At Palmetto, we understand Winter Garden's unique conditions and can help you choose the right heat pump for year-round comfort. 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
Winter Garden Electricity Prices
Understanding electricity costs in Winter Garden helps you make smarter decisions about your home's heating and cooling systems.
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 unpredictable.
Heat pumps address rising electricity costs by using 2-3 times less electricity than traditional HVAC systems for the same heating and cooling output. This efficiency means your monthly bills stay lower, even when electricity rates climb.
Over a heat pump's 15-20 year lifespan, this efficiency adds up to significant savings. As electricity costs continue fluctuating, investing in energy-efficient technology protects your budget and keeps your Winter Garden home comfortable year-round.
Price of Energy: Florida vs National Average
Winter Garden Area Utility Providers
Winter Garden residents have access to three main utility providers with varying electricity rates. Based on 2023 data, OUC charges 12.6¢ per kWh, FPL 15.0¢, and Duke Energy 18.1¢—compared to the national average of 16.0¢.
OUC's lower rates reflect its municipal structure and local infrastructure, while Duke Energy's higher costs stem from transmission expenses and infrastructure investments. FPL falls near the state average of 15.2¢, balancing Florida's energy mix and service territory demands.
Understanding your electricity costs helps you make informed decisions about home comfort systems. Heat pumps use significantly less energy than traditional HVAC, meaning lower monthly bills regardless of your provider—especially valuable for Duke Energy customers facing higher rates.
Winter Garden 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
Heat pumps are an excellent choice for Winter Garden's climate. In Climate Zone 10, where winter temperatures rarely drop below 33°F and summers reach 95°F, heat pumps operate at peak efficiency year-round. They provide both heating and cooling in one system, which is ideal for Florida's mild winters and hot, humid summers.
With electricity rates at 14.2¢ per kWh in Florida, heat pumps can significantly reduce your energy costs compared to traditional HVAC systems. Palmetto makes installation accessible through two options: the Comfort Plan with $0 upfront and all maintenance included, or direct purchase where you may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act.
Heat pumps are exceptionally efficient in Winter Garden's Climate Zone 10, where mild winters (design heating temperature of 33°F) and warm summers (design cooling temperature of 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 far more cost-effective than traditional systems at Florida's current electricity rate of 14.2¢ per kWh.
The subtropical climate means your heat pump rarely encounters freezing temperatures that can reduce efficiency in colder regions. This year-round performance advantage translates to lower energy bills and consistent comfort. Palmetto makes upgrading accessible through our Comfort Plan with $0 upfront cost 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 Winter Garden depends on your financial priorities and preferences. Palmetto's Comfort Plan lease requires $0 upfront and includes all maintenance, repairs, and warranty coverage with a predictable monthly payment. Direct purchase involves a one-time upfront cost but lets you own the equipment outright and potentially claim up to $2,000 in federal tax credits under the Inflation Reduction Act.
For Winter Garden's climate (Zone 10), where year-round comfort matters with cooling demands reaching 95°F and occasional heating down to 33°F, both options deliver the same energy-efficient performance. Leasing works well if you prefer no maintenance responsibilities and want to avoid large upfront costs, while buying makes sense if you plan to stay long-term and want to maximize available incentives with Florida's 14.2¢ per kWh electricity rates.
Heat pump installation costs in Winter Garden typically range from $5,000 to $15,000 for a complete system, depending on your home's size, existing ductwork, and equipment efficiency level. Factors like Winter Garden's Climate Zone 10 conditions and your specific heating and cooling needs will influence the final price.
Palmetto offers two payment options to fit your budget: a Comfort Plan with $0 upfront 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 plus local rebates.
In Winter Garden's mild climate, heat pumps deliver strong financial value through year-round efficiency. With Florida's electricity rate at 14.2¢ per kWh, heat pumps typically use 50-65% less energy than traditional systems, translating to hundreds in annual savings. Direct purchase options may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act.
Palmetto makes heat pumps financially accessible through two paths: purchase outright to maximize tax incentives and long-term savings, or choose the Comfort Plan with $0 upfront and predictable monthly payments that include all maintenance and repairs. Both options pay for themselves over time through lower energy bills in Winter Garden's heating and cooling season.
In Winter Garden, licensed HVAC contractors install heat pumps, and homeowners should look for professionals with proper Florida licensing, insurance, and experience with Climate Zone 10 requirements. Palmetto provides heat pump installation through certified local contractors who understand Winter Garden's specific climate needs, where design temperatures range from 33°F in winter to 95°F in summer.
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 ensure professional installation by experienced technicians who can properly size and configure your system for Florida's climate and electricity rates of 14.2¢ per kWh.
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, making it highly efficient in Winter Garden's mild climate.
Unlike traditional HVAC systems that use separate equipment for heating and cooling, a heat pump handles both functions in one unit. In Climate Zone 10, where Winter Garden rarely drops below 33°F, heat pumps operate efficiently year-round while typically using less electricity at Florida's current rate of 14.2¢ per kWh compared to conventional heating systems.