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

Eugene, OR Heat Pump Load Calculator

Use this calculator to estimate your home’s heating and cooling needs based on square footage. It’s tailored to Eugene’s ACCA-standard design conditions: 5°F for heating and 92°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

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

Eugene, OR 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 Eugene homeowners.

Oregon Heat Pump Purchase Program

Up to $2,000

Oregon's Heat Pump Purchase Program provides $2,000 heat pump incentives for homeowners, rental property owners, and homes under construction. ODOE is now accepting incentive reservations and incentive applications.

Eligibility: The heat pump must be purchased for an owner-occupied residence, residential tenancy (rental), or new residential construction located in Oregon. Heat pumps (including ducted, ductless, and split systems) must have an HSPF2 of 8.1 or greater and a SEER2 rating of 16 or more.

Learn more →

HOMES Rebate Program

Up to $10,000

The Home Efficiency Rebates Program (also known as HOMES) will provide performance-based rebates for energy efficiency upgrades in existing single-family and multifamily homes with reserved funding for low-income households. Rebates will be available to Oregonians starting in spring 2026.

Eligibility: HOMES Program participants could receive between 50 to 100 percent of project costs up to $10,000, depending on the energy upgrades completed, the household's income, and the project's estimated energy savings. Heat pump installations must demonstrate at least 20% estimated energy savings.

Learn more →

HEAR Rebate Program

Up to $14,000

The Home Electrification and Appliance Rebates Program (also known as HEAR) will provide rebates to low- and moderate-income households to install specific eligible high-efficiency electric appliances and associated upgrades. The new high-efficiency electric appliances must be selected from a list of eligible appliances and can be a first-time purchase of an all-electric stove, heat pump, heat pump water heater, or heat pump clothes dryer.

Eligibility: HEAR Program participants could receive between 50 to 100 percent of project costs up to $14,000, depending on the energy upgrades completed and the household's income. Program is limited to low- and moderate-income households.

Learn more →

EWEB Heat Pump Loan Program

Up to $14,000

Eugene Water and Electricity Board (EWEB) offers income-based and standard rebates for ductless and ducted heat pumps. These rebates can be either money off the final cost, or 0% interest loans.

Eligibility: Up to a $6000 zero-percent interest loan for single-head systems plus $2000 for each additional head (maximum 5 total heads). For systems with both ductless heads and ducted minisplits, we offer a loan up to $14,000. Must be EWEB customer in Eugene area.

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 →

Eugene homeowners have access to multiple heat pump incentive programs in 2026. The Oregon Heat Pump Purchase Program offers up to $2,000 rebates and is currently accepting applications. Additionally, the HOMES and HEAR programs are launching in spring 2026 with rebates up to $10,000 and $14,000 respectively for income-qualified households. Eugene Water and Electricity Board also offers 0% interest loans up to $14,000 for heat pump installations. Palmetto can help homeowners navigate these programs, understand eligibility requirements, and maximize available rebates to reduce upfront 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.

04

Climate Zones

Eugene sits in IECC Climate Zone 7, which means cold winters with design temps around 5°F and warm summers reaching 92°F. This temperature range matters—your heat pump needs to handle both extremes efficiently. At Palmetto, we understand Eugene's climate and can help you choose a system sized correctly for year-round comfort. 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

Eugene Electricity Prices

Understanding electricity costs in Eugene helps you make smarter decisions about home heating and cooling for years to come.

Oregon electricity rates have climbed significantly, jumping from 11.4 cents per kWh in 2021 to 14.6 cents in 2024—a 28% increase in just three years that impacts every home's energy budget.

Heat pumps offer a practical response to rising rates. Because they're 2-3x more efficient than traditional systems, they use less electricity to deliver the same heating and cooling, reducing the impact of rate increases.

As electricity costs continue their upward trend, efficiency becomes increasingly valuable. A heat pump's lower energy consumption means your monthly bills stay more manageable, protecting your budget against future rate changes over the system's 15-20 year lifespan.

Price of Energy: Oregon vs National Average

10¢
20¢
30¢
13.7¢
11.4¢
15.0¢
11.4¢
16.0¢
12.7¢
16.5¢
14.6¢
2021
2022
2023
2024
US Average
Oregon

Eugene Area Utility Providers

Understanding your local electricity costs helps you make informed decisions about home heating and cooling. In Eugene, electricity rates in 2023 averaged below both state and national benchmarks, making efficient electric systems particularly attractive.

Eugene's lower electricity costs stem from Oregon's abundant hydroelectric resources and the Pacific Northwest's renewable energy infrastructure. The 2023 state average of 12.70¢ per kWh was notably below the national average of 16.0¢ per kWh.

These competitive rates create a favorable environment for heat pumps, which use electricity more efficiently than traditional systems. Even in regions with higher electricity costs, heat pumps typically reduce total energy spending—and Eugene's below-average rates make the savings even more compelling.

Eugene Utilities Electricity Rates

OR Average
12.70¢
-21%
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 Eugene. As a Climate Zone 7 area with winter temperatures reaching 5°F and summers around 92°F, modern heat pumps efficiently handle both heating and cooling needs year-round. With Oregon's electricity rate at 14.6¢ per kWh, heat pumps typically cost less to operate than traditional heating systems while providing consistent comfort.

Eugene homeowners have flexible options to get started. Palmetto's Comfort Plan requires $0 upfront with predictable monthly payments and includes all maintenance and repairs. Alternatively, direct purchase allows you to own the equipment outright and potentially qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act, plus local rebates.

Heat pumps perform exceptionally well in Eugene's Climate Zone 7, where winter temperatures rarely drop below 5°F and summers peak around 92°F. Modern heat pumps efficiently heat and cool homes in this moderate climate, often achieving 200-300% efficiency—meaning they deliver 2-3 times more energy than they consume. With Oregon's electricity rate at 14.6¢ per kWh, this efficiency translates to meaningful savings on your energy bills year-round.

Eugene's mild winters make it an ideal location for heat pump technology, as these systems work best when extreme cold is infrequent. Unlike traditional furnaces that burn fuel, heat pumps transfer heat rather than generate it, making them more efficient in moderate climates like Eugene's. Whether you choose Palmetto's Comfort Plan with no upfront costs and included maintenance, or direct purchase to take advantage of federal tax credits up to $2,000, you'll benefit from reliable, efficient heating and cooling designed for the Pacific Northwest.

The choice between leasing and buying a heat pump in Eugene depends on your financial priorities and preferences. If you prefer predictable costs without maintenance worries, Palmetto's Comfort Plan offers $0 upfront with all repairs included. If you want to own your equipment and maximize savings, direct purchase may qualify you for up to $2,000 in federal tax credits under the Inflation Reduction Act, plus local Oregon rebates.

Eugene's Climate Zone 7 conditions mean your heat pump will work year-round, making long-term cost considerations important. With Oregon's electricity rate at 14.6¢ per kWh, both options deliver efficient heating and cooling. Leasing eliminates surprise repair costs and includes warranty coverage, while buying gives you full ownership and immediate equity in your home comfort system.

Heat pump costs in Eugene 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. Eugene's Climate Zone 7 conditions—with winter temperatures around 5°F and summer highs near 92°F—require a properly sized system that can handle both heating and cooling demands year-round.

Palmetto offers two flexible options to fit your budget: our Comfort Plan with $0 upfront and a predictable monthly payment 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 under the Inflation Reduction Act. With Oregon's electricity rate at 14.6¢ per kWh, a heat pump can deliver efficient heating and cooling while helping you manage energy costs.

Yes, heat pumps are typically worth it financially in Eugene, especially with Oregon's moderate electricity rates at 14.6¢ 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 far more efficient even during Eugene's coldest winter days around 5°F.

The financial case becomes even stronger when you factor in available incentives. Direct purchase customers may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act, plus local rebates. Alternatively, Palmetto's Comfort Plan offers a $0 upfront option with predictable monthly payments and included maintenance, eliminating surprise repair costs while you start saving on energy bills immediately.

In Eugene, licensed HVAC contractors install heat pumps, and homeowners have several options for finding qualified installers. Palmetto provides professional heat pump installation throughout Eugene, connecting you with certified technicians who understand Climate Zone 7 requirements—where winter temperatures can drop to 5°F and summer highs reach 92°F.

Palmetto offers two installation approaches: a Comfort Plan with $0 upfront cost that includes all maintenance and repairs, or direct purchase where you own the equipment and may qualify for up to $2,000 in federal tax credits. Both options ensure proper installation by experienced professionals familiar with Eugene's specific heating and cooling needs.

A heat pump is actually a type of HVAC system. HVAC stands for Heating, Ventilation, and Air Conditioning—it's an umbrella term for all climate control equipment. Heat pumps are unique because they both heat and cool your home using the same equipment, transferring heat rather than generating it through combustion like traditional furnaces.

In Eugene's Climate Zone 7, where winter temperatures can drop to 5°F and summers reach 92°F, modern heat pumps efficiently handle both seasonal extremes while running on electricity at Oregon's current rate of 14.6¢ per kWh. This makes them a versatile alternative to separate heating and cooling systems, potentially qualifying for up to $2,000 in federal tax credits when purchased.