Kansas Heat Pump Leasing & Installation Guide
In this guide
Kansas homeowners face unique climate challenges, from sweltering summers to frigid winters. Heat pumps offer an efficient, year-round solution that adapts to the state’s temperature extremes while reducing energy costs. Whether you’re in Wichita, Topeka, or beyond, Palmetto helps you navigate heat pump options tailored to Kansas’s diverse climate, ensuring comfort and savings for your home.
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
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 |
Cash
Loan
03
Heat Pump Financing in Kansas
While Kansas does not currently have active state-level heat pump rebate programs in 2026, homeowners may have access to utility-specific rebates through providers like Evergy and KEPCo, and the federal geothermal heat pump tax credit remains available through 2032. Palmetto’s Comfort Plan lease offers an alternative path to heat pump installation with $0 upfront cost, helping homeowners access efficient heating and cooling without waiting for rebate programs or managing tax credits.
Federal IRA Tax Credit
Up to $2,000The Inflation Reduction Act provides a federal tax credit of up to $2,000 for qualifying geothermal heat pump installations through 2032. Air-source heat pump credits expired December 31, 2025.
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.
Kansas Electricity Prices
Understanding electricity costs in Kansas helps you make smarter decisions about your home’s heating and cooling systems.
Kansas electricity rates have climbed from 13.0 cents per kWh in 2021 to 14.2 cents in 2024—a 9% increase. While rates remain below the national average, they’re steadily rising.
Heat pumps offer a practical 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.
As electricity rates continue their upward trend, efficiency becomes increasingly valuable. A heat pump’s lower energy consumption means your monthly bills stay manageable even as rates rise, protecting your budget for years to come.
Price of Energy: Kansas vs National Average
Kansas Utility Providers
Kansas residents enjoy electricity rates below the national average. In 2023, major providers Evergy Kansas Central (13.09¢/kWh), Evergy Kansas South (13.01¢/kWh), and Evergy Metro (12.86¢/kWh) all charged less than the state average of 13.40¢/kWh and significantly below the national average of 16.0¢/kWh.
Kansas benefits from diverse energy sources, including wind power and natural gas, which help keep electricity costs competitive. The state’s investment in renewable infrastructure and relatively lower distribution costs contribute to rates that remain affordable compared to much of the country.
These favorable electricity rates make heat pumps particularly attractive for Kansas homeowners. Heat pumps use electricity three times more efficiently than traditional heating systems, meaning even modest per-kilowatt-hour costs translate into meaningful savings on your total energy bills year-round.
Kansas Utilities Electricity Rates
Frequently Asked Questions
Yes, heat pumps work well in Kansas. Modern cold-climate heat pumps effectively heat and cool homes even during Kansas winters, which typically see lows in the teens. They operate efficiently year-round, providing consistent comfort while using less energy than traditional heating systems, helping you manage costs with Kansas’s current electricity rate of 14.2¢ per kWh.
Heat pumps are particularly cost-effective in Kansas’s moderate climate with hot summers and cold winters. Palmetto makes installation accessible through two options: a Comfort Plan with $0 upfront and all maintenance included, or direct purchase where you own the equipment and may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act.
Heat pump installation costs in Kansas typically range from $5,000 to $20,000 depending on the system size, efficiency rating, and your home’s specific requirements. Factors like ductwork modifications, existing infrastructure, and the type of heat pump (air-source or ground-source) all influence the final price.
Palmetto offers two flexible ways to get a heat pump: 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 Kansas rebates.
Top heat pump brands for Kansas homeowners include Carrier, Lennox, Trane, Mitsubishi Electric, and Daikin. These manufacturers produce cold-climate models that perform reliably in Kansas winters while delivering efficient cooling during hot summers. Look for units with high HSPF2 ratings (above 8.0) and SEER2 ratings (above 16) to maximize energy savings with Kansas’s 14.2¢ per kWh electricity rates.
When choosing a brand, consider both equipment quality and installation expertise. Palmetto offers heat pump installation through a 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. Professional installation ensures your system operates at peak efficiency regardless of brand, protecting your investment and comfort year-round.
Yes, Kansas homeowners can access heat pump rebates through federal programs. If you purchase a heat pump system outright, you may qualify for federal tax credits up to $2,000 under the Inflation Reduction Act. Additionally, some Kansas utility companies offer local rebates or incentives for energy-efficient heating and cooling upgrades, though availability varies by location and provider.
To maximize your savings, check with your local utility company about current rebate programs before installation. Palmetto offers both direct purchase options that qualify for these incentives and a Comfort Plan lease with $0 upfront cost. The right choice depends on whether you prefer immediate tax benefits or predictable monthly payments with included maintenance.
The choice between leasing and buying a heat pump in Kansas depends on your financial situation and preferences. Leasing through Palmetto’s Comfort Plan requires $0 upfront and includes all maintenance, repairs, and warranty coverage with a predictable monthly payment. Buying means paying upfront but owning the equipment outright, plus you may qualify for federal tax credits up to $2,000 under the Inflation Reduction Act.
Consider leasing if you prefer avoiding large upfront costs and want maintenance handled for you throughout the system’s life. Direct purchase makes sense if you have available funds and want to maximize long-term savings through tax credits and full ownership. Both options help Kansas homeowners reduce energy costs with electricity at 14.2¢ per kWh, making heat pumps an efficient heating and cooling solution.
Yes, heat pumps are typically worth it financially in Kansas. Modern heat pumps can reduce heating and cooling costs by 30-50% compared to traditional systems, and with Kansas electricity rates at 14.2¢ per kWh, the operating savings add up significantly over time. Heat pumps also provide both heating and cooling in one efficient system.
Palmetto makes heat pumps accessible through two options: a Comfort Plan with $0 upfront and maintenance included, or direct purchase with potential federal tax credits up to $2,000 under the Inflation Reduction Act. The payback period varies by home size and current system, but most Kansas homeowners see meaningful savings within 5-10 years while enjoying improved comfort year-round.
The right heat pump size for your Kansas home depends on several factors: your home’s square footage, insulation quality, ceiling height, window efficiency, and local climate conditions. Most Kansas homes need a heat pump ranging from 2 to 5 tons, with each ton cooling approximately 400-600 square feet. A professional energy assessment is essential to determine the correct size for your specific situation.
An oversized heat pump wastes energy and increases your electricity costs beyond Kansas’s current 14.2¢ per kWh rate, while an undersized unit struggles during extreme weather. Palmetto provides expert sizing assessments with both our Comfort Plan and direct purchase options, ensuring your system efficiently handles Kansas’s hot summers and cold winters without unnecessary expense or performance issues.