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

Frisco, TX 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 Frisco, TX: 72°F indoor, 95°F outdoor for cooling, and 33°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

Frisco, TX 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 Frisco homeowners.

Oncor Heat Pump Rebate

Up to $600

Oncor Electric Delivery offers rebates for qualifying high-efficiency heat pump installations in North Texas, including Frisco. Rebates are available on a first-come, first-served basis and vary based on system efficiency ratings and energy savings.

Eligibility: Available to Oncor residential customers in Frisco and surrounding North Texas areas. Equipment must meet current SEER2, EER2, and HSPF2 standards. A smart thermostat (US DOE-listed connected model) is mandatory to qualify.

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 →

Frisco homeowners can access the Oncor heat pump rebate program (up to $600) for qualifying high-efficiency systems, which can be combined with the federal IRA tax credit (up to $2,000) for total savings of $1,500-$3,000 or more. While Texas state-level HOMES and HEAR rebate programs have not yet launched as of 2026, Palmetto can help homeowners maximize available utility and federal incentives to reduce installation costs and improve home energy efficiency.

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

Frisco sits in IECC Climate Zone 10, which means mild winters (rarely dipping below 33°F) and hot summers (often reaching 95°F). This climate is ideal for heat pumps, but sizing matters—you need a system designed to handle those summer peaks without being oversized for winter. At Palmetto, we understand Frisco's unique conditions and can help you choose the right heat pump 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

Frisco Electricity Prices

Understanding electricity costs in Frisco helps you make smarter decisions about your home's heating and cooling systems.

Texas electricity rates have climbed steadily from 12.1 cents per kWh in 2021 to 14.9 cents in 2024—a 23% increase in just three years that directly impacts your monthly energy bills.

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 deliver the same heating and cooling comfort for your home.

As electricity costs continue rising, efficiency becomes increasingly valuable. A heat pump's lower energy consumption means your monthly bills stay manageable, and those savings compound year after year throughout the system's lifespan.

Price of Energy: Texas vs National Average

10¢
20¢
30¢
13.7¢
12.1¢
15.0¢
13.8¢
16.0¢
14.5¢
16.5¢
14.9¢
2021
2022
2023
2024
US Average
Texas

Frisco Area Utility Providers

Frisco residents are served primarily by Denton County Electric Cooperative, which offered electricity at 12.8¢ per kWh in 2023—well below both the state average of 14.50¢ and the national average of 16.0¢.

Texas's deregulated energy market and abundant natural gas resources help keep electricity costs competitive. Denton County Electric Cooperative's rates reflect this advantage, making Frisco one of the more affordable areas for residential electricity in the state.

Lower electricity rates make heat pumps even more attractive for Frisco homeowners. Because heat pumps use electricity efficiently—often moving three times more energy than they consume—they can significantly reduce your total energy spending compared to traditional heating and cooling systems.

Frisco Utilities Electricity Rates

Denton County Electric Cooperative
12.80¢
-20%
TX Average
14.50¢
-9%
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 Frisco. The area's Climate Zone 10 designation means mild winters (design temp: 33°F) and hot summers (design temp: 95°F)—ideal conditions where heat pumps operate most efficiently. They'll keep your home comfortable year-round while typically using less energy than traditional heating and cooling systems at Texas's current 14.9¢ per kWh electricity rate.

Frisco 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 give you efficient heating and cooling designed for North Texas's climate, helping you stay comfortable without the complexity.

Heat pumps are highly efficient in Frisco's climate. As part of Climate Zone 10, with moderate winters (design temp: 33°F) and hot summers (design temp: 95°F), heat pumps can deliver 2-4 times more energy than they consume. This efficiency translates to lower utility bills compared to traditional HVAC systems, especially with Texas electricity rates at 14.9¢ per kWh.

Frisco's mild winters mean heat pumps rarely face extreme cold that would reduce their performance. They excel at both heating and cooling, making them ideal for the area's climate demands. Whether you choose Palmetto's Comfort Plan with no upfront costs and included maintenance, or direct purchase to access up to $2,000 in federal tax credits, you'll benefit from year-round efficiency and comfort.

The decision between leasing and buying a heat pump in Frisco depends on your financial priorities and preferences. Leasing through Palmetto's Comfort Plan requires $0 upfront and includes all maintenance and repairs, making it ideal if you want predictable costs without maintenance concerns. Buying outright means you own the equipment and may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act, plus local rebates.

Consider Frisco's climate needs—with cooling temperatures reaching 95°F and heating down to 33°F—your heat pump will work year-round. If you prefer avoiding a large upfront investment while ensuring worry-free service, leasing offers excellent value. If you want to maximize long-term savings through tax incentives and eventual ownership, purchasing may be the better fit for your situation.

Heat pump costs in Frisco 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. Frisco's Climate Zone 10 conditions—with winter lows around 33°F and summer highs near 95°F—make heat pumps an efficient year-round solution for both heating and cooling.

Palmetto offers two pathways to fit your budget: a Comfort Plan with $0 upfront and predictable monthly payments that include all maintenance and repairs, or direct purchase where you own the system outright and may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act. Both options help you take advantage of Texas's 14.9¢ per kWh electricity rates with highly efficient heating and cooling.

Yes, heat pumps are typically worth it financially in Frisco. With Texas electricity rates at 14.9¢ per kWh, heat pumps can significantly reduce your heating and cooling costs since they move heat rather than generate it, making them two to three times more efficient than traditional systems. Direct purchase options may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act.

Your financial approach depends on your situation. Palmetto's Comfort Plan offers $0 upfront with predictable monthly payments and all maintenance included, eliminating surprise repair costs. Direct purchase means you own the equipment outright and can claim available incentives. Either way, the efficiency gains in Frisco's climate—with moderate winters and hot summers—mean lower utility bills year-round.

In Frisco, licensed HVAC contractors install heat pumps, including companies like Palmetto that specialize in home energy solutions. Professional installation is essential in Climate Zone 10, where systems must efficiently handle both 95°F summer peaks and occasional winter lows around 33°F.

Palmetto offers two installation options for Frisco homeowners: a Comfort Plan with $0 upfront cost and included maintenance, or direct purchase that may qualify for up to $2,000 in federal tax credits. Both options include professional installation by certified technicians who understand local climate requirements and building codes.

HVAC is an umbrella term that stands for Heating, Ventilation, and Air Conditioning—it describes any system that controls your home's climate. 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 through combustion, making it highly efficient in Frisco's moderate climate.

Unlike traditional HVAC systems that use separate equipment for heating (like a furnace) and cooling (an air conditioner), a heat pump handles both functions in one unit. This makes heat pumps particularly cost-effective in Climate Zone 10, where Frisco's mild winters (design temp: 33°F) and hot summers (design temp: 95°F) allow the system to operate efficiently year-round at Texas's current 14.9¢ per kWh electricity rate.