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

Norman, OK 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 Norman, OK: 72°F indoor, 95°F outdoor for cooling, and 14°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

Heat Pump Financing in Norman

While local utility heat pump rebate programs may be available through Norman's electric provider, federal tax credits for air-source heat pumps expired at the end of 2025. Homeowners can still explore geothermal heat pump options which qualify for a 30% federal tax credit through 2032. Palmetto's Comfort Plan lease offers $0 upfront cost as an alternative to purchasing, allowing homeowners to benefit from heat pump efficiency without the upfront investment.

Federal IRA Tax Credit

Up to $2,000

The Inflation Reduction Act provides a federal tax credit of up to $2,000 for qualifying geothermal heat pump installations through 2032. Note: Federal tax credits for air-source heat pumps expired December 31, 2025.

Eligibility: Available to homeowners who purchase and install a qualifying geothermal heat pump system. Claimed on your annual federal tax return. Air-source heat pumps installed in 2026 are not eligible.

Learn more →

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

Norman sits in IECC Climate Zone 3, where winters can dip to 14°F and summers climb to 95°F. That means your heat pump needs to handle both cold snaps and hot stretches without breaking a sweat. At Palmetto, we understand Norman's climate and can help you find a system sized and selected for exactly what you'll face year-round. 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

Norman Electricity Prices

Understanding Norman's electricity costs helps you make smarter decisions about home heating and cooling—especially as rates continue to climb.

Oklahoma's electricity rates have risen from 11.0 cents per kWh in 2021 to 12.2 cents in 2024. While still below the national average, that's an 11% increase in just three years.

Heat pumps offer a practical response to rising electricity costs. Because they're 2-3 times 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, 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: Oklahoma vs National Average

10¢
20¢
30¢
13.7¢
11.0¢
15.0¢
12.4¢
16.0¢
12.1¢
16.5¢
12.2¢
2021
2022
2023
2024
US Average
Oklahoma

Norman Area Utility Providers

Norman residents benefit from below-average electricity rates through two main providers. According to 2023 data, OG&E charges 10.8¢ per kWh while PSO charges 13.8¢ per kWh—both well below the national average of 16.0¢.

Oklahoma's competitive electricity rates stem from the state's diverse energy mix and access to natural gas resources. Norman's rates through OG&E and PSO remain lower than both the state average of 12.10¢ and significantly below what most Americans pay.

These favorable rates make heat pumps even more cost-effective in Norman. Since heat pumps use electricity three times more efficiently than traditional heating systems, your lower local rates translate into meaningful monthly savings on total energy costs.

Norman Utilities Electricity Rates

OG&E
10.80¢
-32%
PSO
13.80¢
-14%
OK Average
12.10¢
-24%
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 excellent sense in Norman. The city's Climate Zone 8 characteristics—with winter design temperatures around 14°F and summer highs near 95°F—are well-suited for modern heat pumps that efficiently handle both heating and cooling. Combined with Oklahoma's relatively affordable electricity rate of 12.2¢ per kWh, heat pumps can deliver year-round comfort while reducing energy costs compared to traditional systems.

Norman homeowners have flexible options to get started. Palmetto's Comfort Plan offers $0 upfront with all maintenance included, while direct purchase may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act. Both approaches provide an efficient solution for Norman's climate, where a single system handles both seasonal temperature extremes without requiring separate heating and cooling equipment.

Heat pumps perform exceptionally well in Norman's climate, which sits in Climate Zone 8 with winter lows around 14°F and summer highs near 95°F. Modern heat pumps can operate efficiently in these conditions, typically delivering 2-3 times more heating or cooling energy than the electricity they consume, even during Norman's coldest days.

With Oklahoma's electricity rate at 12.2¢ per kWh, heat pumps offer significant savings compared to traditional heating systems like furnaces or electric resistance heat. Their efficiency means lower monthly energy bills year-round, and Palmetto makes installation accessible through either a 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 Norman depends on your financial priorities and preferences. Buying means paying upfront but owning the equipment outright, with potential access to federal tax credits up to $2,000 under the Inflation Reduction Act. Leasing through a Comfort Plan requires $0 upfront and includes all maintenance and repairs in your monthly payment.

For Norman's climate—with winter lows around 14°F and summer highs near 95°F—a heat pump runs year-round, making maintenance coverage valuable. If you prefer predictable costs and no repair worries, leasing offers peace of mind. If you want to maximize long-term savings and can handle upfront costs, purchasing may better suit your situation.

Heat pump costs in Norman typically range from $5,000 to $15,000 for a complete installation, depending on your home's size, existing ductwork, and the system's efficiency rating. Norman's Climate Zone 8 conditions—with winter lows around 14°F and summer highs near 95°F—require a properly sized system that can handle both heating and cooling demands year-round.

Palmetto offers two payment options to fit your budget: a Comfort Plan with $0 upfront cost and predictable monthly payments that include 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. With Oklahoma's electricity rate at 12.2¢ per kWh, an efficient heat pump can deliver significant long-term savings on your energy bills.

Yes, heat pumps are financially worthwhile for most Norman homeowners. With Oklahoma's electricity rate at 12.2¢ per kWh, heat pumps typically use 50-65% less energy than traditional heating and cooling systems, translating to hundreds of dollars in annual savings. Direct purchasers may also qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act.

Palmetto makes heat pumps accessible regardless of your budget. Our Comfort Plan requires $0 upfront with predictable monthly payments and includes all maintenance and repairs, so you start saving immediately without financial strain. Alternatively, purchasing outright gives you full ownership and maximum tax benefits. Either way, Norman's moderate climate in Zone 8 means your heat pump works efficiently year-round.

In Norman, OK, heat pumps are installed by licensed HVAC contractors who specialize in heating and cooling systems. Palmetto partners with certified local installers who understand Norman's Climate Zone 8 conditions, where systems must handle both 14°F winter lows and 95°F summer highs, ensuring your heat pump is properly sized and installed for year-round comfort.

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 experienced technicians who ensure your system operates efficiently in Norman's climate, helping you manage energy costs with Oklahoma's 12.2¢ per kWh electricity rates.

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 both heats and cools by transferring heat rather than generating it through combustion, making it highly energy-efficient for Norman's climate.

Unlike traditional HVAC systems that use separate furnaces and air conditioners, a heat pump handles both jobs in one unit. In Norman's Climate Zone 8, where winter temperatures can drop to 14°F and summers reach 95°F, modern heat pumps efficiently maintain comfort year-round while taking advantage of Oklahoma's 12.2¢ per kWh electricity rates for lower operating costs compared to fossil fuel systems.