A whole-home air-source heat pump installation costs $5,000–$18,000 in the US (system + labor + ductwork modifications). The federal IRA Section 25C credit covers 30% up to $2,000, and state/utility rebates can stack on top — many households net out at $4,000–$10,000. Ground-source (geothermal) is higher: $20,000–$45,000 before incentives. In Poland, expect PLN 30,000–80,000; subsidies under Czyste Powietrze cover up to PLN 35,000. In the Netherlands €5,000–€15,000 with €2,500–€4,000 ISDE subsidy.
A whole-home air-source heat pump installation costs $5,000–$18,000 in the US (system + labor + ductwork modifications). The federal IRA Section 25C credit covers 30% up to $2,000, and state/utility rebates can stack on top — many households net out at $4,000–$10,000. Ground-source (geothermal) is higher: $20,000–$45,000 before incentives. In Poland, expect PLN 30,000–80,000; subsidies under Czyste Powietrze cover up to PLN 35,000. In the Netherlands €5,000–€15,000 with €2,500–€4,000 ISDE subsidy.
Heat pump cost by type
| System type | Typical cost (USD, installed) |
|---|---|
| Air-source (ducted) | $5,000–$15,000 |
| Air-source (ductless mini-split, 2–3 zones) | $6,000–$12,000 |
| Cold-climate air-source (centrally ducted) | $8,000–$18,000 |
| Geothermal (ground-source) | $20,000–$45,000 |
| Hybrid (heat pump + backup furnace) | $7,000–$13,000 |
What affects the cost?
- System size (tonnage) — sized to your home's heating/cooling load, not square footage alone
- Ductwork condition — leaky ducts may add $1,500–$4,000 for sealing/replacement
- Electrical upgrades — older panels may need an upgrade ($1,500–$4,000) for a heat-pump circuit
- Backup heat source — dual-fuel setups cost more upfront but lower operating cost in cold climates
- Refrigerant lines and pad — for ductless or new outdoor unit locations
Cost in the United States
Most homes pay $8,000–$15,000 for a standard air-source heat pump replacing an existing furnace + AC. The Inflation Reduction Act's 25C credit gives 30% off, capped at $2,000. The Energy Efficient Home Improvement and HOMES programs add up to $8,000 in income-based rebates. Many utilities offer $300–$2,000 in additional rebates — check the DSIRE database for your state.
Cost in Poland
Whole-home air-source heat pumps run PLN 30,000–80,000 installed. The Czyste Powietrze program subsidizes up to PLN 35,000 for income-qualifying households. Many homes pair the heat pump with rooftop solar — combined installations often qualify for higher subsidies. Pick an installer registered with the program for the paperwork.
Cost in the Netherlands
A hybrid or full electric heat pump costs €5,000–€15,000 installed. The ISDE subsidy provides €2,500–€4,000. The Dutch government has a phased plan requiring hybrid heat pumps in all new gas-boiler replacements from 2026, so installer demand is high — book 2–4 months ahead.
How to save
- Time it with a furnace replacement — the install labor is largely the same
- Get 3 quotes — pricing varies 30%+ between contractors
- Stack rebates — federal tax credit + state rebate + utility rebate often combine
- Right-size the system — oversized heat pumps short-cycle and waste energy
- Insulate first — better envelope means a smaller, cheaper heat pump
What affects the cost?
- System size (tonnage) — sized to your home's heating/cooling load, not square footage alone
- Backup heat source — dual-fuel setups cost more upfront but lower operating cost in cold climates
- Refrigerant lines and pad — for ductless or new outdoor unit locations
How to save
- Time it with a furnace replacement — the install labor is largely the same
- Get 3 quotes — pricing varies 30%+ between contractors
- Stack rebates — federal tax credit + state rebate + utility rebate often combine
- Right-size the system — oversized heat pumps short-cycle and waste energy
- Insulate first — better envelope means a smaller, cheaper heat pump
Frequently asked questions
Will a heat pump work in cold weather?
Modern cold-climate heat pumps work efficiently down to roughly -15°F to -25°F. In very cold regions most installs pair the heat pump with backup heat (a furnace or electric strips) for the coldest days. In mild-to-moderate climates a heat pump alone handles heating and cooling year-round.
First-party pricing data
See our aggregated reference rates and provider availability across 5 countries.
HireLocal Reference Pricing Index — Q2 2026: Plumbing, Electrical & HVAC Service Rates Across 5 Countries