Naperville, IL 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
Naperville, IL Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on Naperville’s ACCA-standard design conditions: 91°F for cooling, -5°F for heating, and 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
Naperville, IL 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 Naperville homeowners.
Naperville Air-Source Heat Pump Rebate
$600The City of Naperville Electric Utility offers rebates to residential customers who install replacement energy-efficient air-source heat pumps. Rebates are available on a first-come, first-served basis until all funding is allocated.
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.
Naperville homeowners can access a local heat pump rebate of $600 through the City of Naperville Electric Utility, available on a first-come, first-served basis for qualifying air-source heat pump installations. Combined with the federal IRA tax credit of up to $2,000, homeowners can achieve meaningful savings on heat pump upgrades. Palmetto's Comfort Plan lease offers an alternative path to heat pump installation with $0 upfront cost, helping you access efficient heating and cooling without the burden of purchase and installation expenses.
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
Naperville sits in IECC Climate Zone 6, which means cold winters that can dip to -5°F and warm summers reaching 91°F. These temperature swings matter when sizing a heat pump—you need a system that can handle both extremes efficiently. At Palmetto, we understand Naperville's climate and can help you find the right heat pump for your home. 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
Naperville Electricity Prices
Understanding electricity costs in Naperville is crucial when considering your home's heating and cooling efficiency—and your long-term budget.
Illinois electricity rates jumped from 13.2 cents per kWh in 2021 to 15.9 cents per kWh in 2024—a 20% increase in just three years. Naperville residents have felt this impact on their monthly utility bills.
Heat pumps offer a smart response to rising electricity costs. Because they're 2-3x more efficient than traditional HVAC systems, they use significantly less electricity to deliver the same heating and cooling comfort to your home.
As electricity rates continue climbing, that efficiency gap becomes increasingly valuable. A heat pump's lower energy consumption means your utility bills stay manageable even when rates rise, protecting your budget for years to come.
Price of Energy: Illinois vs National Average
Naperville Area Utility Providers
Naperville residents are served by ComEd, which charged an average of 14.8¢ per kWh in 2023—below both the Illinois state average of 15.7¢ and the national average of 16.0¢ per kWh.
ComEd's rates benefit from Illinois's diverse energy mix and established infrastructure. The state's nuclear capacity and regional transmission network help keep electricity costs relatively stable compared to other parts of the country.
With below-average electricity rates and heat pumps' high efficiency, Naperville homeowners can reduce total energy spending. Heat pumps use electricity more effectively than traditional systems, turning each kilowatt-hour into more heating and cooling for your home.
Naperville 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 sense in Naperville. Modern cold-climate heat pumps are designed to operate efficiently in Climate Zone 6, where winter temperatures can drop to -5°F. With Illinois electricity rates at 15.9¢ per kWh, heat pumps typically cost less to operate than traditional heating systems while providing both heating and cooling year-round.
Palmetto makes heat pump installation accessible through two options: a Comfort Plan with $0 upfront cost and all maintenance included, or direct purchase with potential savings of up to $2,000 in federal tax credits. Both approaches help Naperville homeowners reduce energy costs while enjoying reliable comfort through cold winters and warm summers.
Heat pumps perform very efficiently in Naperville's Climate Zone 6, even during cold winters. Modern cold-climate heat pumps maintain strong efficiency down to -5°F, Naperville's design heating temperature, and can deliver 2-3 times more heating energy than the electricity they consume. With Illinois electricity rates at 15.9¢ per kWh, this efficiency translates to meaningful savings compared to traditional heating systems.
During Naperville's mild springs, falls, and summers (design cooling temperature: 91°F), heat pumps excel at both heating and cooling your home efficiently year-round. The system's ability to reverse operation means you get comfortable temperatures in every season without maintaining separate heating and cooling equipment. Palmetto offers heat pumps through a Comfort Plan with $0 upfront cost and included maintenance, or through direct purchase with potential federal tax credits up to $2,000.
The choice between leasing and buying a heat pump in Naperville depends on your financial priorities and homeownership plans. Buying gives you full ownership and access to federal tax credits up to $2,000 under the Inflation Reduction Act, plus potential local rebates. Leasing through Palmetto's Comfort Plan requires $0 upfront and includes all maintenance, repairs, and warranty coverage with a predictable monthly payment.
In Naperville's Climate Zone 6, where winter temperatures can drop to -5°F, heat pumps run frequently during heating season. With Illinois electricity at 15.9¢ per kWh, the Comfort Plan's included maintenance can provide valuable peace of mind, while purchasing may offer better long-term value if you qualify for incentives and plan to stay in your home long-term.
Heat pump costs in Naperville typically range from $8,000 to $20,000 for a complete installation, depending on your home's size, existing ductwork, and the system's efficiency rating. Climate Zone 6's cold winters (design temp: -5°F) often require cold-climate models with enhanced heating capacity, which can affect the final price.
Palmetto offers two payment options to fit your budget: 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.
For Naperville homeowners, heat pumps typically deliver strong financial returns through reduced energy bills. Modern heat pumps can cut heating and cooling costs by 30-50% compared to traditional systems, which adds up significantly given Illinois' electricity rate of 15.9¢ per kWh and our Climate Zone 6 heating demands.
Palmetto makes heat pumps financially accessible through 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 homeowners see the investment pay for itself within 7-12 years through energy savings, while enjoying consistent comfort throughout our cold winters and warm summers.
In Naperville, 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 6 conditions, where winter temperatures can drop to -5°F and summers reach 91°F, maximizing efficiency and comfort year-round.
Palmetto offers two installation options for Naperville homeowners: 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 local climate requirements and building codes.
HVAC is an umbrella term that stands for Heating, Ventilation, and Air Conditioning—it describes any system that controls indoor climate. 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, making it highly efficient in Naperville's Climate Zone 6 conditions.
Traditional HVAC systems often use separate equipment like a furnace for heating and an air conditioner for cooling. A heat pump replaces both with one unit, which can lower your energy costs given Illinois electricity rates of 15.9¢ per kWh. Palmetto offers heat pumps through flexible options including our Comfort Plan with $0 upfront or direct purchase with potential federal tax credits up to $2,000.