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Answer 5 quick questions and find out if switching to a heat pump makes sense for your home, climate, and lifestyle.
Central duct systems allow for a ducted heat pump. Without ducts, a ductless mini-split is still an option but at higher cost.
Heat pumps perform best in moderate climates. Cold-climate models now work well even in very cold regions.
A heat pump is a long-term investment. Longer stays mean better return on investment.
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Note: This quiz provides a general recommendation. A certified HVAC contractor can assess your specific home and provide a tailored recommendation.
Find out exactly how much a heat pump would cost for your home — for free.
GET FREE QUOTES| Your Situation | Annual Savings | Payback Period | 15-Yr Net Benefit | Verdict |
|---|---|---|---|---|
| Old AC (10–12 SEER) + Electric Strip Heat | $1,100–$1,400 | 3–5 yrs | $16,000+ | ✅ Definitely |
| 13 SEER AC + Electric Strip Heat | $700–$1,000 | 4–7 yrs | $10,500+ | ✅ Yes |
| Old AC (10 SEER), no strip heat | $450–$700 | 6–10 yrs | $6,750+ | ✅ Yes |
| 14 SEER AC, AC <8 years old | $130–$200 | 18–25 yrs | $-500 to $1,500 | ⚠️ Wait |
| 16 SEER AC, 3–5 years old | $40–$80 | 40+ yrs | $-3,000+ | ❌ No |
Yes — for most Florida homeowners. Florida's 10-month cooling season means every SEER2 point translates to real savings. If you currently have electric strip heat, the payback is very fast. After FPL's current $200 A/C rebate for qualifying systems, many Florida homeowners see full payback in 3–6 years — among the fastest in the country. The federal 25C tax credit ended for equipment installed after December 31, 2025, so it no longer factors into this math.
Yes — a modern, high-efficiency heat pump typically adds $2,000–$5,000 to a Florida home's appraised value. Real estate agents report that updated HVAC systems are among the top factors buyers cite for Florida properties, particularly in competitive markets like Miami, Orlando, and Tampa. Buyers pay premium for systems with 5+ years remaining life — see our Florida AC installation cost guide for typical investment ranges.
Yes — when your AC fails and needs major repair, this is the perfect time to upgrade to a heat pump. You're already incurring disruption and potentially repair costs. A heat pump replacement at this point has the same installation process as an AC replacement, and you gain the heating efficiency advantage from day one. Get 3 quotes before committing to a repair on an older system.
Florida heat pumps typically last 12–16 years. They run year-round (cooling 10 months, heating 2 months), which is more demanding than northern systems — but Florida's mild winters reduce heating stress on the compressor. Annual maintenance (twice yearly in Florida) is critical to reaching the 15+ year mark, especially for coastal systems subject to salt air corrosion. See our detailed breakdown of how Florida humidity affects AC lifespan for more.
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