Fort Worth, TX 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
Fort Worth, TX Heat Pump Load Calculator
Use our calculator below to estimate your home’s heating and cooling needs based on Fort Worth’s ACCA-standard design conditions: 95°F cooling and 33°F heating, 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 Fort Worth
Unfortunately, active heat pump rebate programs are not currently available in Fort Worth, TX in 2026. The federal tax credit for air-source heat pumps expired on December 31, 2025, and Texas state HOMES and HEAR rebate programs have not yet launched. However, homeowners with geothermal heat pump systems can claim a 30% federal tax credit through 2032. Palmetto's Comfort Plan lease offers an alternative path to heat pump installation with $0 upfront cost, allowing homeowners to benefit from heat pump technology without waiting for rebate programs to become available.
Federal Geothermal Tax Credit
30% of total costThe Inflation Reduction Act provides a federal tax credit of 30% of the total equipment and installation cost for qualifying geothermal heat pump systems through 2032.
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. Note: Federal tax credits for air-source heat pumps expired December 31, 2025. Texas state rebate programs (HOMES and HEAR) have not yet launched as of February 2026.
04
Climate Zones
Fort Worth sits in IECC Climate Zone 10, where winters are mild (design temp: 33°F) but summers run hot (design temp: 95°F). This means your heat pump needs to handle serious cooling demands while providing efficient heating during cooler months. At Palmetto, we understand Fort Worth's climate inside and out—and we'll help you choose a system sized perfectly 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
Fort Worth Electricity Prices
Understanding Fort Worth's electricity costs helps you make smarter decisions about home heating and cooling—especially as rates continue to climb.
Texas electricity rates have risen 23% since 2021, climbing from 12.1 to 14.9 cents per kWh. For Fort Worth homeowners, this steady increase means higher monthly bills for the same comfort.
Heat pumps offer a practical response to rising rates. Because they're 2-3x more efficient than traditional HVAC systems, they use significantly less electricity to heat and cool your home to the same temperature.
As electricity costs continue their upward trend, that efficiency gap becomes increasingly valuable. A heat pump's lower energy consumption means your monthly bills stay more manageable, even as rates rise over time.
Price of Energy: Texas vs National Average
Fort Worth Area Utility Providers
Fort Worth residents are served by two main electric cooperatives. According to 2023 data, Denton County Electric Cooperative charges 12.8¢ per kWh, while Tri-County Electric Cooperative charges 14.1¢ per kWh.
Both cooperatives offer rates below the 2023 national average of 16.0¢ per kWh and competitive with Texas's state average of 14.50¢ per kWh. This reflects Texas's diverse energy generation and the efficiency of local cooperative operations.
These competitive electricity rates make Fort Worth ideal for heat pump adoption. Heat pumps use electricity more efficiently than traditional HVAC systems, meaning lower rates translate directly into greater savings on your monthly energy bills.
Fort Worth 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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- Energy insights & Dashboard
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- Support Whenever You Need It
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 Fort Worth. The city's Climate Zone 10 designation—with winter design temperatures around 33°F and summer peaks near 95°F—is ideal for heat pump efficiency. These systems excel in moderate climates, providing both heating and cooling while using significantly less energy than traditional HVAC systems, which matters with Texas electricity rates at 14.9¢ per kWh.
Fort Worth homeowners can access heat pumps through Palmetto's Comfort Plan with $0 upfront cost and included maintenance, or through direct purchase to claim up to $2,000 in federal tax credits under the Inflation Reduction Act. With relatively mild winters and hot summers, Fort Worth's climate allows heat pumps to operate at peak efficiency year-round, reducing energy bills while keeping your home comfortable.
Heat pumps perform exceptionally well in Fort Worth's Climate Zone 10, where winter design temperatures rarely drop below 33°F and summers peak around 95°F. Modern heat pumps maintain efficiency ratings of 300-400% even during Fort Worth's coldest days, meaning they deliver three to four times more heating energy than the electricity they consume at 14.9¢ per kWh.
Fort Worth's mild winters make heat pumps ideal for year-round comfort, as they don't struggle with the extreme cold that challenges these systems in northern climates. The combination of efficient heating, excellent cooling performance during hot Texas summers, and lower operating costs compared to traditional HVAC systems makes heat pumps a smart investment for Fort Worth homeowners.
The choice between leasing and buying a heat pump in Fort Worth depends on your financial priorities and homeownership plans. Buying means paying upfront but owning the equipment outright, plus you may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act. Leasing through Palmetto's Comfort Plan requires $0 upfront and includes all maintenance and repairs covered for life.
For Fort Worth's climate—with hot summers reaching 95°F and mild winters—heat pumps run frequently, making maintenance coverage valuable. With Texas electricity at 14.9¢ per kWh, both options deliver energy savings, but leasing offers predictable monthly costs without surprise repair bills, while buying maximizes long-term savings if you can handle the upfront investment and ongoing maintenance responsibilities.
Heat pump costs in Fort Worth typically range from $5,000 to $15,000 for a complete installation, depending on your home's size, existing ductwork, and system efficiency. Fort Worth's moderate Climate Zone 10 conditions (heating down to 33°F, cooling up to 95°F) make heat pumps an efficient year-round solution that can significantly reduce your energy bills at Texas's current 14.9¢ per kWh electricity rate.
Palmetto offers two flexible 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 plus local rebates. Both options provide Fort Worth homeowners with an affordable path to efficient heating and cooling.
Yes, heat pumps are financially worth it for most Fort Worth homeowners. With Texas electricity rates at 14.9¢ per kWh, heat pumps typically cost 30-50% less to operate than traditional heating and cooling systems because they move heat rather than generate it. In Fort Worth's mild winters (design temp: 33°F) and hot summers, heat pumps work efficiently year-round.
Palmetto makes heat pumps accessible through two options: our Comfort Plan with $0 upfront and predictable monthly payments including all maintenance, or direct purchase where you may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act. Most homeowners see the investment pay for itself through energy savings within 5-10 years.
Heat pumps in Fort Worth are installed by licensed HVAC contractors who specialize in heating and cooling systems. These professionals assess your home's specific needs based on Fort Worth's Climate Zone 10 conditions (heating design temp: 33°F, cooling design temp: 95°F) and ensure proper sizing and installation for year-round comfort and efficiency.
Palmetto offers heat pump installation in Fort Worth through two flexible options: a Comfort Plan with $0 upfront cost and all maintenance included, or direct purchase where you own the system outright and may qualify for up to $2,000 in federal tax credits. Both options include professional installation by qualified technicians who understand Fort Worth's unique climate requirements.
HVAC is an umbrella term that stands for Heating, Ventilation, and Air Conditioning—the complete system that controls your home's climate. A heat pump is actually a type of HVAC system that both heats and cools your home by transferring heat rather than generating it through combustion, making it highly efficient in Fort Worth's moderate winters and hot summers.
Unlike traditional HVAC systems that use separate furnaces and air conditioners, a heat pump handles both jobs with one unit. In Climate Zone 10 where Fort Worth sits, heat pumps work efficiently even when temperatures drop to the 33°F design heating temperature, while keeping your home comfortable during 95°F summer days—all while potentially lowering your energy costs at Texas's current 14.9¢ per kWh electricity rate.