Nathan Healy
Certified by Nathan Healy
Updated: February 2026
Quality home solutions since 2011
Palmetto serves thousands of customers across 25 states with an over 85% approval rating

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

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

Forget the maintenance

With a Comfort Plan subscription, installation and maintenance are fully covered, no surprise bills, no weekend DIY.

Rewards for renewing

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

Manchester, NH Heat Pump Load Calculator

Use our calculator below to estimate your home’s heating and cooling needs based on square footage. It uses ACCA-standard design conditions for Manchester, NH: 72°F indoor, 85°F outdoor for cooling, and -17°F for heating. 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

Get Started

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.

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
Payment schedule $0 upfront, then monthly subscription
Term length 10 or 12 years
End of term options Flexible with 25% renewal term credits to new system
Maintenance included
Eligible for incentives

Cash

Payment schedule Full price upfront
Term length None
End of term options No credits to new system
Maintenance included
Eligible for incentives

Loan

Payment schedule $0 upfront, then monthly payment
Term length Variable
End of term options No credits to new system
Maintenance included
Eligible for incentives

Local Incentives

Manchester, NH 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 Manchester homeowners.

NHSaves Heat Pump Rebate

$250 per ton

Mail-in rebates are available when you purchase and install high-efficiency air source heat pumps for heating and cooling. Customers who switch from oil, natural gas or propane HVAC systems are eligible for the $250 per ton heat pump rebates.

Eligibility: Equipment must be installed between January 1, 2026, and December 30, 2026. Rebate form and supporting documents must be postmarked no later than January 30, 2027. These rebates are available to electric customers of Eversource, Liberty and Unitil while funding is available.

Learn more →

Home Electrification Appliance Rebates

Up to $14,000

The HEAR Program is designed to help homeowners that are seeking to replace their existing home appliances or install new appliances (electric stoves, heat pumps, etc.) that are more energy efficient by offering rebates to reduce the purchase cost of those new appliances.

Eligibility: The program is anticipated to launch in Spring of 2026. Rebates will only be available for projects initiated by NH consumers AFTER the program has officially launched. Rebates are only available to households who earn up to 150% of the area median income.

Learn more →

Federal IRA Tax Credit

Up to $2,000

The Inflation Reduction Act provides a federal tax credit of up to $2,000 for qualifying heat pump installations through 2032.

Eligibility: Available to homeowners who purchase and install a qualifying heat pump system. Claimed on your annual federal tax return.

Learn more →

Manchester homeowners have access to multiple heat pump incentive programs in 2026. The NHSaves program offers immediate rebates of $250 per ton for qualifying heat pump installations through December 2026, available to Eversource, Liberty, and Unitil customers. Additionally, the state's Home Electrification and Appliance Rebates program is expected to launch in Spring 2026, offering rebates up to $14,000 for income-qualified households. Combined with the federal IRA tax credit of up to $2,000, homeowners can significantly reduce the upfront cost of heat pump installation. Palmetto can help you navigate these programs and maximize your available rebates.

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

Manchester sits in IECC Climate Zone 5, which means cold winters with design temperatures around -17°F and warm summers reaching 85°F. These temperature swings matter when sizing a heat pump—you need a system that can handle both extremes efficiently. At Palmetto, we understand Manchester'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.

US Climate Zone Map
Your location

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

05

Manchester Electricity Prices

Manchester residents face some of the highest electricity rates in the country—and understanding these costs is key to making smart home comfort decisions.

New Hampshire's electricity rates have climbed significantly in recent years, reaching 28.2 cents per kWh in 2023—nearly double the national average. Even with recent decreases, Manchester homeowners still pay roughly 40% more than most Americans.

Heat pumps offer a practical response to these elevated rates. Because they move heat rather than generate it, heat pumps deliver 2-3 times more heating or cooling per unit of electricity compared to traditional systems.

As electricity costs continue fluctuating above national averages, efficiency becomes increasingly valuable. A heat pump's superior efficiency means lower energy consumption for the same comfort—helping Manchester homeowners maintain control over their long-term energy expenses.

Price of Energy: New Hampshire vs National Average

10¢
20¢
30¢
40¢
13.7¢
19.9¢
15.0¢
25.5¢
16.0¢
28.2¢
16.5¢
23.3¢
2021
2022
2023
2024
US Average
New Hampshire

Manchester Area Utility Providers

Manchester residents receive electricity primarily from Eversource, which charged 28.9¢ per kWh in 2023—slightly above New Hampshire's state average of 28.20¢ and notably higher than the national average of 16.0¢ per kWh.

New Hampshire's electricity costs remain elevated due to the state's reliance on natural gas generation and limited access to cheaper energy sources. Regional transmission costs and New England's competitive energy market also contribute to rates above the national average.

While electricity costs run high here, heat pumps can actually lower your total energy bills. Their exceptional efficiency means they deliver more heating and cooling per dollar spent than traditional systems—making them a smart investment even in higher-cost electricity markets.

Manchester Utilities Electricity Rates

Eversource
28.90¢
+81%
NH Average
28.20¢
+76%
US Average
16.0¢
06

Palmetto Reviews

Ready to start saving with a heat pump?

Speak with a Palmetto heating & cooling expert to find out exactly how much you can save.

Get a Free Quote
Palmetto mobile app
07

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
Download the App
08

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.

$5,000
Recommended repair threshold

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.

Ready to start saving with a heat pump?

Speak with a Palmetto heating & cooling expert to find out exactly how much you can save.

Get a Free Quote
09

Frequently Asked Questions

Yes, heat pumps make sense in Manchester, NH, even in Climate Zone 5 where winter temperatures can drop to -17°F. Modern cold-climate heat pumps are designed to operate efficiently in these conditions, and with New Hampshire's electricity rate of 23.3¢ per kWh, they typically cost less to run than traditional heating systems while providing both heating and cooling year-round.

The upfront cost concern is addressable through flexible options. Palmetto's Comfort Plan offers heat pump installation with $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. Both approaches can deliver meaningful energy savings compared to oil, propane, or electric resistance heating common in Manchester homes.

Heat pumps perform very efficiently in Manchester's Climate Zone 5, even during cold winters. Modern cold-climate heat pumps are designed to operate effectively down to Manchester's design heating temperature of -17°F, delivering 2-3 times more heating energy than the electricity they consume. This efficiency translates to meaningful savings compared to traditional oil or propane heating systems.

With New Hampshire's electricity rate at 23.3¢ per kWh, heat pumps remain cost-effective for year-round comfort in Manchester. They provide both heating and cooling (up to 85°F design temperature), eliminating the need for separate systems. Palmetto makes installation accessible through our Comfort Plan with $0 upfront cost and included maintenance, or direct purchase with potential federal tax credits up to $2,000.

The choice between leasing and buying a heat pump in Manchester depends on your financial situation and priorities. Buying offers ownership and access to federal tax credits up to $2,000 under the Inflation Reduction Act, plus local rebates. Leasing through a Comfort Plan requires no upfront cost and includes all maintenance and repairs throughout the plan's life.

Manchester's cold winters (design temp: -17°F) mean your heat pump works hard year-round, making maintenance coverage valuable. With New Hampshire's electricity rates at 23.3¢ per kWh, a well-maintained heat pump maximizes efficiency and savings. Consider leasing if you prefer predictable costs without maintenance concerns, or buying if you want ownership and can benefit from available tax incentives.

Heat pump installation costs in Manchester, NH 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 5 conditions (where winter temperatures can drop to -17°F). These upfront costs can be offset by federal tax credits up to $2,000 and local rebates.

Palmetto offers two flexible options for Manchester homeowners: purchase your system outright and own it from day one, or choose our Comfort Plan with $0 upfront cost and a predictable monthly payment that includes all maintenance, repairs, and warranty coverage. Both options help you save on New Hampshire's 23.3¢ per kWh electricity rates while keeping your home comfortable year-round.

Yes, heat pumps are typically worth it financially in Manchester, NH. With electricity at 23.3¢ per kWh, modern heat pumps can reduce heating and cooling costs by 30-50% compared to traditional systems. They also qualify for federal tax credits up to $2,000, which helps offset the initial investment.

Palmetto makes heat pumps accessible through two options: a Comfort Plan with $0 upfront and predictable monthly payments including all maintenance, or direct purchase to own the equipment outright. Either way, the long-term energy savings in New Hampshire's Climate Zone 5 conditions usually result in positive returns within several years.

Heat pumps in Manchester are installed by licensed HVAC contractors who are experienced with Climate Zone 5 requirements, where winter temperatures can drop to -17°F. Palmetto partners with qualified local installers who understand New Hampshire's specific climate needs and ensure your system is properly sized and installed for both heating and cooling efficiency.

Palmetto offers two installation options: a Comfort Plan with $0 upfront cost and all maintenance included, 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 ensure your heat pump operates efficiently in Manchester's cold winters and warm summers.

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 type of HVAC system that provides both heating and cooling in one unit, transferring heat rather than generating it through combustion like traditional furnaces do.

In Manchester's Climate Zone 5 conditions, modern heat pumps work efficiently even at temperatures down to -17°F, making them a versatile alternative to traditional HVAC setups that require separate heating and cooling equipment. With New Hampshire's electricity rates at 23.3¢ per kWh, heat pumps often cost less to operate than conventional systems because they move heat rather than create it.