Tulsa, OK 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
Tulsa, OK Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on ACCA-standard design conditions for Tulsa, OK: 14°F for heating and 95°F for cooling, with a 72°F indoor target. 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 Tulsa
While Oklahoma is developing federal HERRA and HOME rebate programs through the Inflation Reduction Act, these programs are not yet active for homeowners in 2026. Federal tax credits for air-source heat pumps expired on December 31, 2025. However, Palmetto's Comfort Plan lease offers an alternative with $0 upfront cost and fixed monthly payments, allowing homeowners to access heat pump technology without waiting for rebate programs or managing tax credits.
Federal IRA Tax Credit
Up to 30% of costThe Inflation Reduction Act provides a federal tax credit for qualifying geothermal heat pump installations through 2032. Note: Federal tax credits for air-source heat pumps expired December 31, 2025 and are not available in 2026.
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. Federal HERRA and HOME rebate programs are expected to launch in Oklahoma in 2026 but were not yet accepting applications as of February 2026.
04
Climate Zones
Tulsa sits in IECC Climate Zone 8, which means cold winters that dip to around 14°F and hot summers that peak near 95°F. This mix of temperature extremes matters when sizing and selecting your heat pump—you need a system that can handle both efficiently. At Palmetto, we understand Tulsa's climate and can help you find the right equipment for your home. Explore other climate 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
Tulsa Electricity Prices
Understanding electricity costs in Tulsa helps you make smarter decisions about home heating and cooling—especially as rates continue to climb.
Oklahoma 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 solution to rising energy 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, the efficiency advantage of heat pumps becomes even more valuable. Lower energy consumption today means meaningful savings that compound year after year.
Price of Energy: Oklahoma vs National Average
Tulsa Area Utility Providers
Understanding your electricity costs helps you make smarter energy decisions. In Tulsa, Public Service Company of Oklahoma (PSO) serves most residents. According to 2023 data, PSO's average rate was 13.8¢ per kWh.
PSO's rates sit comfortably below the 2023 national average of 16.0¢ per kWh, though slightly above Oklahoma's state average of 12.10¢ per kWh. This positioning reflects Oklahoma's abundant natural gas resources while accounting for infrastructure investments and grid maintenance costs.
With relatively moderate electricity rates, Tulsa homeowners can maximize savings by choosing efficient heating and cooling systems. Heat pumps use significantly less energy than traditional HVAC systems, meaning your per-kWh cost goes further toward comfortable temperatures year-round.
Tulsa 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.
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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 Tulsa. The city's Climate Zone 8 conditions—with winter lows around 14°F and summer highs near 95°F—are ideal for modern heat pumps, which efficiently handle both heating and cooling. Combined with Oklahoma's competitive electricity rate of 12.2¢ per kWh, heat pumps can deliver year-round comfort while reducing energy costs compared to traditional systems.
Palmetto makes heat pump installation accessible through two options: a Comfort Plan with $0 upfront cost and included maintenance, or direct purchase with potential federal tax credits up to $2,000. Both approaches allow Tulsa homeowners to benefit from efficient heating and cooling technology suited to the region's moderate climate, where extreme temperatures are infrequent enough for heat pumps to operate at peak efficiency.
Heat pumps are highly efficient in Tulsa's climate, which falls in Climate Zone 8 with winter temperatures rarely dropping below 14°F. Modern heat pumps can deliver 2-3 times more heating or cooling energy than the electricity they consume, making them cost-effective with Oklahoma's electricity rate of 12.2¢ per kWh. They perform exceptionally well during Tulsa's moderate winters and hot summers (up to 95°F).
Because Tulsa experiences relatively mild winter lows, heat pumps maintain strong efficiency year-round without requiring significant backup heating. This climate advantage means lower operating costs compared to traditional HVAC systems. Palmetto offers heat pumps through a Comfort Plan with $0 upfront and included maintenance, or through direct purchase where you may qualify for up to $2,000 in federal tax credits.
The choice between leasing and buying a heat pump in Tulsa depends on your financial priorities and homeownership plans. 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. Leasing through Palmetto's Comfort Plan requires $0 upfront and includes all maintenance, repairs, and warranty coverage in your monthly payment.
For Tulsa's climate—with winter lows around 14°F and summer highs near 95°F—a heat pump works year-round, making long-term value important to consider. If you prefer predictable costs without maintenance surprises, leasing offers peace of mind. If you want to maximize incentives and own your system, especially with Oklahoma's relatively low 12.2¢ per kWh electricity rates making operation affordable, buying may provide better long-term value.
Heat pump costs in Tulsa 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. Climate Zone 8's temperature extremes—from 14°F winter lows to 95°F summer highs—mean you'll want a system properly sized for year-round comfort.
Palmetto offers two ways to get a heat pump in Tulsa: our Comfort Plan with $0 upfront and predictable monthly payments including all maintenance, or direct purchase where you own the system outright and may qualify for up to $2,000 in federal tax credits. With Oklahoma's electricity rate at 12.2¢ per kWh, an efficient heat pump can deliver meaningful energy savings compared to traditional heating and cooling systems.
Yes, heat pumps are typically worth it financially in Tulsa. Modern heat pumps can reduce heating and cooling costs by 30-50% compared to traditional systems, and with Oklahoma's electricity rate at 12.2¢ per kWh, your savings add up quickly. Heat pumps also qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act, plus potential local rebates.
Palmetto makes the investment even easier with two options: a Comfort Plan with $0 upfront cost and predictable monthly payments, or direct purchase if you prefer to own outright. Since Tulsa experiences both cold winters (down to 14°F) and hot summers (up to 95°F), a heat pump provides year-round efficiency that pays for itself over time through lower energy bills.
In Tulsa, heat pumps are installed by licensed HVAC contractors who specialize in heating and cooling systems. These professionals assess your home's specific needs, considering Tulsa's Climate Zone 8 conditions (with winter temperatures dropping to 14°F and summer highs reaching 95°F), and ensure proper sizing and installation for optimal year-round comfort and efficiency.
Palmetto works with certified local installers to provide heat pump installation in Tulsa through two options: a Comfort Plan with $0 upfront cost and included maintenance, or direct purchase where you own the equipment and may qualify for up to $2,000 in federal tax credits. Both options ensure professional installation tailored to your home's requirements and Tulsa's climate demands.
HVAC is an umbrella term that stands for Heating, Ventilation, and Air Conditioning—it describes any system that controls your home's 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, making it more energy-efficient than traditional furnaces and air conditioners.
In Tulsa's Climate Zone 8, where winter temperatures can drop to 14°F and summers reach 95°F, modern heat pumps handle both extremes effectively while using less electricity at Oklahoma's 12.2¢ per kWh rate. Palmetto makes getting a heat pump simple with two options: our Comfort Plan with $0 upfront and all maintenance included, or direct purchase with potential federal tax credits up to $2,000.