Bowling Green, KY 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
Bowling Green, KY Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on ACCA-standard design conditions for Bowling Green, KY: 5°F for heating and 92°F for cooling. 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 Bowling Green
While Kentucky state and local heat pump rebate programs are not currently active in 2026, homeowners in Bowling Green can take advantage of the federal IRA tax credit of up to $2,000 for qualifying heat pump installations. Palmetto's Comfort Plan lease offers an alternative with $0 upfront cost, allowing you to access efficient heat pump technology without the burden of purchasing and installation costs.
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
Bowling Green sits in IECC Climate Zone 7, which means cold winters dropping to around 5°F and hot summers reaching 92°F. This wide temperature swing makes proper heat pump sizing critical—you need a system that can handle both extremes efficiently. At Palmetto, we understand Bowling Green's climate inside and out, and we'll help you find 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
Bowling Green Electricity Prices
Understanding electricity costs in Bowling Green helps you make smarter decisions about your home's heating and cooling systems.
Kentucky's electricity rates have climbed steadily from 11.5 cents per kWh in 2021 to 13.0 cents in 2024—a 13% increase that directly impacts your monthly energy bills.
Heat pumps offer a practical response to rising rates. Because they're 2-3x more efficient than traditional HVAC systems, they use significantly less electricity to deliver the same comfort level in your home.
As electricity costs continue their upward trend, that efficiency gap becomes increasingly valuable. A heat pump's lower energy consumption means your monthly bills stay manageable even as rates rise over time.
Price of Energy: Kentucky vs National Average
Bowling Green Area Utility Providers
Bowling Green residents benefit from competitive electricity rates. Kentucky Utilities serves the area with rates at 12.0¢ per kWh in 2023—well below both the state average of 12.70¢ and the national average of 16.0¢.
Kentucky's lower electricity costs stem from its diverse energy mix, including coal, natural gas, and hydroelectric power. This infrastructure advantage, combined with regional distribution efficiency, keeps rates affordable for Bowling Green homeowners.
Even with favorable electricity rates, heat pumps can reduce your total energy spending. Their exceptional efficiency means they use significantly less electricity than traditional HVAC systems, maximizing savings regardless of local utility costs.
Bowling Green 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 excellent sense in Bowling Green. The area's Climate Zone 7 conditions—with winter design temperatures around 5°F and summer peaks near 92°F—fall within the ideal range for modern heat pumps to operate efficiently year-round. Combined with Kentucky's reasonable electricity rates at 13.0¢ per kWh, heat pumps can provide both heating and cooling while lowering your energy costs.
Palmetto makes heat pump installation accessible through two options: our 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. Both paths give Bowling Green homeowners a practical way to improve home comfort while reducing energy expenses.
Heat pumps perform very efficiently in Bowling Green's Climate Zone 7, which experiences moderate winters with design temperatures around 5°F and summers reaching 92°F. Modern heat pumps can maintain efficiency ratios of 250-350% even during cold weather, meaning they deliver 2.5 to 3.5 times more heating energy than the electricity they consume at Kentucky's 13.0¢ per kWh rate.
This climate is well-suited for year-round heat pump operation, as extreme cold snaps are infrequent and brief. Heat pumps both heat and cool your home efficiently, making them particularly cost-effective in regions like Bowling Green where you need reliable performance across all seasons without the temperature extremes that challenge older heat pump technology.
The choice between leasing and buying a heat pump in Bowling Green depends on your financial situation and preferences. Leasing through Palmetto's Comfort Plan requires $0 upfront and includes all maintenance and repairs, making it ideal if you want predictable costs without maintenance concerns. Buying 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.
Consider Bowling Green's climate—with winter temperatures dropping to 5°F and summers reaching 92°F—your heat pump will work year-round. If upfront costs are a barrier, leasing provides immediate comfort without the financial strain. If you can invest upfront and want to maximize tax incentives while building home equity, purchasing may offer better long-term value. Both options deliver efficient heating and cooling at Kentucky's current 13.0¢ per kWh electricity rate.
In Bowling Green, a complete heat pump system typically costs between $5,000 and $15,000 for direct purchase, depending on your home's size, existing ductwork, and the equipment's efficiency rating. Climate Zone 7 conditions—with winter lows around 5°F and summer highs near 92°F—mean you'll want a system properly sized for both heating and cooling performance.
Palmetto offers two flexible options: purchase your system outright and potentially qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act, or choose our Comfort Plan with $0 upfront cost and a predictable monthly payment that includes all maintenance and repairs. Both options give Bowling Green homeowners access to efficient heating and cooling while taking advantage of Kentucky's 13.0¢ per kWh electricity rates.
Yes, heat pumps typically offer strong financial value for Bowling Green homeowners. With Kentucky's electricity rate at 13.0¢ per kWh, heat pumps can reduce heating and cooling costs by 30-50% compared to traditional systems, since they move heat rather than generate it. Direct purchases may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act.
Palmetto makes heat pumps financially accessible through two options: purchase outright to own the equipment and capture available incentives, or choose the Comfort Plan with $0 upfront cost and a predictable monthly payment that includes all maintenance and repairs. Both approaches can deliver savings over time while keeping your Bowling Green home comfortable year-round.
Heat pumps in Bowling Green are installed by licensed HVAC contractors who specialize in heating and cooling systems. Palmetto partners with certified local installers in the Bowling Green area to provide professional heat pump installation, ensuring your system is properly sized and configured for Kentucky's Climate Zone 7 conditions, where winter temperatures can drop to 5°F and summer peaks reach 92°F.
Palmetto offers two installation options to fit your needs: 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 understand Bowling Green's specific climate requirements and ensure your heat pump operates efficiently year-round.
HVAC stands for Heating, Ventilation, and Air Conditioning—it's an umbrella term for all systems that heat and cool your home. A heat pump is actually a specific type of HVAC system that efficiently handles both heating and cooling by transferring heat rather than generating it through combustion.
In Bowling Green's Climate Zone 7, where winter temperatures can drop to 5°F and summers reach 92°F, modern heat pumps work year-round as your complete HVAC solution. They typically cost less to operate than traditional furnaces at Kentucky's 13.0¢ per kWh electricity rate, making them an efficient all-in-one heating and cooling system for your home.