Quincy, MA 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
Quincy, MA Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on Quincy’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
Quincy, MA 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 Quincy homeowners.
Mass Save Heat Pump Rebate
Up to $8,500Massachusetts' premier energy efficiency program offering rebates for air-source heat pump installations. Whole-home systems provide up to $8,500; partial-home systems also up to $8,500. Equipment must be ENERGY STAR Cold Climate certified with low-GWP refrigerants (R-32 or R-454B).
Quincy homeowners can access the Mass Save heat pump rebate program, which offers up to $8,500 for qualifying whole-home or partial-home installations in 2026. This state-level program is currently the primary financial incentive available for heat pump upgrades in Massachusetts. Palmetto's Comfort Plan lease offers an alternative path to heat pump comfort with $0 upfront cost, allowing homeowners to benefit from efficient heating and cooling without the burden of equipment purchase and installation costs.
Incentive information is based on publicly available data as of 2026 and may change. Contact program administrators to verify current availability and eligibility requirements. Note: The federal IRA tax credit for heat pumps expired on December 31, 2025 and is no longer available for 2026 installations.
04
Climate Zones
Quincy sits in IECC Climate Zone 6, which means cold winters (design temps around -5°F) and warm summers (up to 91°F). This wide temperature range makes proper heat pump sizing critical—your system needs to handle both extremes efficiently. At Palmetto, we understand Quincy's climate inside and out, so we can recommend the right heat pump for your home. Explore other climate zones below, or enter your ZIP code to confirm your zone.
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
Quincy Electricity Prices
Understanding electricity costs in Quincy helps you make smarter decisions about home heating and cooling—especially as rates continue to climb.
Massachusetts electricity rates have jumped significantly in recent years, rising from 22.9 cents per kWh in 2021 to 29.3 cents in 2024—nearly double the national average of 16.5 cents per kWh.
Heat pumps offer a practical response to these rising costs. Because they're 2-3 times more efficient than traditional systems, they use significantly less electricity to deliver the same amount of heating or cooling to your home.
As electricity rates 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, protecting your budget for years to come.
Price of Energy: Massachusetts vs National Average
Quincy Area Utility Providers
Quincy residents receive electricity primarily from National Grid and Eversource. Based on 2023 data, National Grid averaged 36.7¢ per kWh, while Eversource averaged 29.7¢ per kWh—both significantly above the national average of 16.0¢ per kWh.
Massachusetts electricity rates remain elevated due to the state's reliance on natural gas for power generation and limited pipeline infrastructure. Regional energy demand, especially during winter months, drives prices higher than most of the country.
While electricity costs in Quincy run high, heat pumps offer a path to lower energy bills. Their exceptional efficiency means they use far less electricity than traditional heating systems, helping offset higher rates and reducing overall home energy spending.
Quincy Utilities Electricity Rates
Let our smart tools do the heavy lifting.
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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 Quincy. Modern cold-climate heat pumps perform efficiently even at Quincy's design heating temperature of -5°F, and they provide both heating and cooling for the area's 91°F summer days. With Massachusetts electricity rates at 29.4¢ per kWh, heat pumps typically deliver significant energy savings compared to traditional heating systems.
Quincy homeowners have flexible options to get started. Palmetto's Comfort Plan requires $0 upfront and includes all maintenance and repairs, while direct purchase may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act plus local rebates. Both pathways make heat pumps an accessible and practical choice for Quincy's Climate Zone 6 conditions.
Heat pumps perform very efficiently in Quincy's Climate Zone 6 conditions, even during cold Massachusetts winters. Modern cold-climate heat pumps maintain strong performance down to Quincy's design heating temperature of -5°F, delivering 2-3 times more heating energy than the electricity they consume. This efficiency translates to meaningful savings despite Massachusetts' electricity rate of 29.4¢ per kWh.
During Quincy's milder spring, fall, and summer months (with design cooling temperatures around 91°F), heat pumps operate at peak efficiency for both heating and cooling. Year-round, most Quincy homeowners see 30-50% lower heating costs compared to traditional systems. Palmetto offers both a Comfort Plan with no upfront costs and maintenance included, or direct purchase options that may qualify for up to $2,000 in federal tax credits.
The choice between leasing and buying a heat pump in Quincy depends on your financial priorities and homeownership plans. Purchasing outright means you own the equipment and can claim federal tax credits up to $2,000 plus local Massachusetts rebates, which significantly reduces your initial investment. Leasing through a Comfort Plan requires $0 upfront and includes all maintenance and repairs, making budgeting predictable in Quincy's Climate Zone 6 conditions.
With Massachusetts electricity rates at 29.4¢ per kWh, both options deliver energy savings compared to traditional heating systems. Buying makes sense if you want to maximize incentives and plan to stay in your home long-term. Leasing works well if you prefer avoiding upfront costs and want worry-free maintenance during cold Quincy winters, where temperatures can drop to -5°F.
Heat pump installation costs in Quincy typically range from $10,000 to $25,000 for a complete system, depending on your home's size, existing infrastructure, and the equipment needed to handle Climate Zone 6 conditions (where winter temperatures can drop to -5°F). This upfront investment may qualify for federal tax credits up to $2,000 and local Massachusetts rebates.
Palmetto offers two ways to get a heat pump that fit different budgets. Our Comfort Plan requires $0 upfront and includes a predictable monthly payment with all maintenance and repairs covered. Alternatively, direct purchase allows you to own the equipment outright and claim available incentives. Both options help Quincy homeowners reduce energy costs in a state where electricity averages 29.4¢ per kWh.
Yes, heat pumps are typically worth it financially for Quincy homeowners. With Massachusetts electricity rates at 29.4¢ per kWh, heat pumps can reduce heating and cooling costs by 30-50% compared to traditional systems because they move heat rather than generate it, making them significantly more efficient even in Climate Zone 6 winters.
The financial case becomes even stronger when you consider flexible payment options. Palmetto's Comfort Plan requires $0 upfront and includes all maintenance and repairs, eliminating unexpected costs. Direct purchase may qualify for up to $2,000 in federal tax credits plus local rebates, helping offset the initial investment while you own the equipment outright.
In Quincy, MA, 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 summer highs reach 91°F, maximizing efficiency and comfort year-round.
Palmetto offers heat pump installation through two flexible options: a Comfort Plan with $0 upfront and included maintenance, or direct purchase where you own the equipment and may qualify for up to $2,000 in federal tax credits. Choosing an experienced installer matters in Quincy's climate, as proper installation directly impacts your system's performance and your energy costs at Massachusetts' 29.4¢ per kWh electricity rate.
HVAC is an umbrella term that stands for Heating, Ventilation, and Air Conditioning—it describes any system that controls indoor 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.
For Quincy homeowners in Climate Zone 6, modern heat pumps work efficiently even when temperatures drop to -5°F, providing year-round comfort while using less energy than traditional HVAC systems. With Massachusetts electricity at 29.4¢ per kWh, a heat pump's efficiency can lead to meaningful savings compared to older heating and cooling equipment.