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

Pearland, TX Heat Pump Load Calculator

Use our calculator below to estimate your home’s heating and cooling needs based on ACCA-standard design conditions for Pearland, TX: 72°F indoor, 95°F outdoor cooling, and 33°F heating temperatures. 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 Pearland

While Texas state and local heat pump rebate programs have not yet launched in 2026, homeowners in Pearland can still benefit from the federal IRA tax credit of up to $2,000. Palmetto's Comfort Plan lease offers an alternative path to heat pump savings with $0 upfront cost and no federal tax filing required, making it an accessible option for homeowners seeking immediate energy efficiency improvements.

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 in their primary residence. Claimed on your annual federal tax return using IRS Form 5695.

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

Pearland sits in IECC Climate Zone 10, which means mild winters with design temperatures around 33°F and hot, humid summers reaching 95°F. This cooling-dominated climate requires a heat pump sized to handle those long Texas summers while still providing reliable heating during occasional cold snaps. At Palmetto, we understand Pearland's unique conditions and can help you select a system that's right for your home. 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

Pearland Electricity Prices

Understanding electricity costs in Pearland helps you make smarter decisions about home comfort and long-term savings.

Texas electricity rates have climbed from 12.1 cents per kWh in 2021 to 14.9 cents in 2024—a 23% increase that directly impacts your monthly cooling and heating bills in Pearland's warm climate.

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 your home needs.

As electricity costs continue rising, that efficiency gap becomes even more valuable. A heat pump's lower energy consumption means your monthly bills stay manageable while you maintain the comfort you expect year-round.

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

Pearland Area Utility Providers

Pearland residents are served primarily by Entergy Texas, which charged an average of 13.20¢ per kWh in 2023—notably below both the Texas average of 14.50¢ and the national average of 16.0¢ per kWh.

Entergy's competitive rates stem from Texas's deregulated energy market and the state's diverse energy mix, including abundant natural gas resources. This pricing advantage helps Pearland households keep their monthly electricity bills manageable compared to many other regions.

Even with below-average electricity costs, heat pumps can further reduce your energy spending. Their high efficiency means they use significantly less electricity than traditional heating and cooling systems, maximizing savings regardless of your local rates.

Pearland Utilities Electricity Rates

Entergy
13.20¢
-17%
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 Pearland. With design temperatures ranging from 33°F in winter to 95°F in summer, Pearland's mild climate allows heat pumps to operate efficiently year-round for both heating and cooling. Heat pumps typically use less energy than traditional systems, which matters when Texas electricity averages 14.9¢ per kWh.

Palmetto makes heat pump installation accessible through two options: a Comfort Plan with $0 upfront and all maintenance included, or direct purchase with potential federal tax credits up to $2,000. Both approaches help Pearland homeowners reduce energy costs while staying comfortable through hot summers and occasional cool winters.

Heat pumps are highly efficient in Pearland's climate. Located in Climate Zone 10 with mild winters (design heating temperature of 33°F) and hot summers (design cooling temperature of 95°F), Pearland provides ideal conditions for heat pump operation. Heat pumps can deliver 2-4 times more heating or cooling energy than the electricity they consume, making them exceptionally cost-effective with Texas electricity rates at 14.9¢ per kWh.

The mild winter temperatures in Pearland mean heat pumps rarely encounter the extreme cold that can reduce efficiency in northern climates. During both heating and cooling seasons, modern heat pumps maintain strong performance, helping homeowners reduce energy consumption year-round. Palmetto offers heat pumps through a Comfort Plan with $0 upfront cost and included maintenance, or through direct purchase with potential federal tax credits up to $2,000.

The choice between leasing and buying a heat pump in Pearland depends on your financial priorities and homeownership plans. Palmetto's Comfort Plan lease requires $0 upfront and includes all maintenance and repairs, making it ideal if you prefer predictable monthly costs. Direct purchase means you own the equipment and may qualify for up to $2,000 in federal tax credits under the Inflation Reduction Act.

Consider Pearland's climate demands—with cooling season temperatures reaching 95°F and electricity at 14.9¢ per kWh—when evaluating long-term costs. Leasing eliminates surprise repair expenses and includes warranty coverage, while purchasing offers potential tax savings and full ownership. Both options deliver efficient heating and cooling; your decision should align with your budget and how long you plan to stay in your home.

Heat pump installation costs in Pearland typically range from $5,000 to $15,000 for a complete system, depending on your home's size, existing ductwork, and equipment efficiency. Pearland's Climate Zone 10 conditions—with mild winters and hot summers—make heat pumps an efficient choice that can help manage your energy costs at Texas's current 14.9¢ per kWh electricity rate.

Palmetto offers two straightforward ways to get a heat pump in Pearland: a Comfort Plan with $0 upfront 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.

Yes, heat pumps are typically worth it financially in Pearland's mild climate. Heat pumps can reduce heating and cooling costs by 30-50% compared to traditional systems, and with Texas electricity at 14.9¢ per kWh, those savings add up quickly. They handle both heating and cooling in one efficient system, eliminating the need for separate equipment.

Palmetto makes heat pumps accessible through two options: a Comfort Plan with $0 upfront and all maintenance included, or direct purchase with potential federal tax credits up to $2,000. Most Pearland homeowners see the investment pay for itself through lower energy bills within several years, while enjoying consistent comfort year-round in Climate Zone 10's moderate temperatures.

In Pearland, heat pumps are installed by licensed HVAC contractors who are certified to work with modern heat pump systems. Palmetto partners with qualified local installers who understand Pearland's Climate Zone 10 conditions, where systems need to handle both 95°F summer cooling and occasional 33°F winter heating efficiently.

Palmetto offers two installation options: 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 include professional installation by experienced technicians who ensure your system is properly sized and configured for your home.

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, making it more energy-efficient than traditional furnaces and air conditioners.

In Pearland's Climate Zone 10, where winter temperatures typically stay above 33°F, heat pumps work exceptionally well year-round. They can significantly reduce your energy costs compared to traditional HVAC systems, especially with Texas electricity rates at 14.9¢ per kWh. Palmetto offers heat pumps through a Comfort Plan lease with no upfront costs and included maintenance, or direct purchase options that may qualify for federal tax credits up to $2,000.