Cost estimator
Heat pump cost calculator
Answer a few questions about the house and see our typical range, the add-ons as their own lines, and the rebate your town and fuel point to.
Describe the house
Clement's typical range for this job, before rebates
$15,000 to $28,000 and up
- Whole-home heat pump on ducts we can reuseCold-climate outdoor unit, matched air handler or coil, line set, controls, electrical connection, permits and removal of old equipment.$15,000 to $28,000 and up
- Electrical service upgrade, only if the panel check calls for itWe check the service size and the load at the visit. A 200 amp service usually needs no upgrade.$3,000 to $6,500Not in total
- Oil tank removal, basement tankPump out, cut out and haul away the tank, and cap the fill and vent pipes.$600 to $1,500
- Boston Fire Department tank permitThe city's fee to remove and transport a fuel oil tank. We arrange the permit.$110City fee, shown separately
With the add-ons counted: $15,600 to $29,500 and up
What moves it within the range
- The top is open because large houses, a second system for another floor, or an air handler in a tight attic can run past it.
Mass Save whole-home rebate
- Mass Save whole-home rebate (through Eversource): $2,650 per ton up to $8,500 for installs through December 31, 2026, then $2,350 per ton up to $7,500 from January 1, 2027. It needs ENERGY STAR cold-climate equipment, a Heat Pump Installer Network contractor, the old system removed or disconnected, and proof the house is weatherized.
- A $500 bonus applies when the system is sized to the home's total heating need.
- Income-eligible households can get up to $16,000 instead.
- Mass Save's HEAT Loan offers 0% financing up to $25,000 through participating lenders; apply before the work starts.
Running cost
Per unit of heat delivered, a heat pump typically costs less to run than oil, and it ends the oil deliveries.
Eversource customers who heat with a heat pump pay lower distribution and transmission charges on all household use from November 1 to April 30. Mass Save rebate recipients are usually enrolled automatically.
These are our typical ranges, not a quote. We set the price in a written estimate after the home visit, once we've run the room-by-room load calculation, tested the ducts and checked the panel. Rebates change; we confirm the program for your address before you sign.
How do we work out your range?
This heat pump cost calculator from Clement Boston Heat Pumps picks one of our typical ranges from what heats the house and the state of the ducts. The electrical service and an oil tank add their own lines, so you can see what each part adds.
| Job | When it applies | Our typical range |
|---|---|---|
| Whole-home heat pump on ducts we can reuse | Furnace, central AC or oil conversions where the ducts work | $15,000 to $28,000 and up |
| Heat pump replacement | A ducted heat pump today, ducts and line set reusable | $12,000 to $24,000 |
| Heat pump with new ductwork | Boiler or baseboard homes, conventional or small-duct high-velocity | $20,000 to $40,000 and up |
| Electrical service upgrade | Typically 100 to 200 amps | $3,000 to $6,500 |
| Oil tank removal | Accessible basement tank | $600 to $1,500, plus the fire department permit |
Nothing is scaled or stretched. Every figure is one of these ranges or a sum of them, and the ranges with an open top stay open. In Boston the fire department permit to remove an oil tank is $110, and we arrange it.
What pushes a job toward the high end?
- Ducts that need work. We measure static pressure, return size and leakage, then price duct changes as their own line.
- Keeping the old system. Dual fuel adds an integrated control and wiring between the two systems.
- Size and layout. A large house, a second system for another floor, or an air handler in a tight attic can run past the top of the range.
How do we set your actual price?
In a written estimate after the home visit. We run a room-by-room load calculation at your town's design temperature, test the ducts, check the panel and pick the outdoor spot.
The estimate lists the equipment with its capacity at 5°F, the duct changes, the electrical work, the permits, the rebate path and the price. If you aren't sure the house is ready, the readiness assessment sorts that out first.
Which rebate applies to you?
It depends on the heat you replace and who supplies your electricity. Mass Save pays by the ton of equipment, and its amounts step down for installs from January 1, 2027.
| Mass Save rebate | Installs through December 31, 2026 | From January 1, 2027 |
|---|---|---|
| Whole-home | $2,650 per ton, up to $8,500 | $2,350 per ton, up to $7,500 |
| Partial-home (dual fuel) | $1,125 per ton, up to $8,500 | $1,000 per ton, up to $7,500 |
| Basic (replacing a heat pump) | $250 per ton, up to $2,500 | |
Income-eligible households can get up to $16,000, and the HEAT Loan offers 0% financing up to $25,000. The Mass Save rebates guide covers the paperwork, and the HEAT Loan guide covers the loan.
Towns with their own light plant
These towns buy power from a municipal light plant, so oil, propane and electric-heat homes use the light plant's program. Gas-heated homes can usually still use Mass Save through the gas account.
| Light plant | Towns | Heat pump program |
|---|---|---|
| Belmont Light | Belmont | Belmont Light pays $1,000 per ton for part or all of the home, up to $5,000 per account, plus $500 after a recommended weatherization project and $1,000 for removing the fossil-fuel system at the install. It asks for a Home Energy Assessment within the last three years. |
| Braintree Electric Light Department (BELD) | Braintree | BELD pays $1,250 per ton, up to $7,500, for homes not heated by gas, on equipment from the NEEP cold-climate list. Whole-home jobs need a room-by-room Manual J and the old system disconnected. |
| Concord Municipal Light Plant | Concord | Concord Light pays $3,000 per ton up to $10,000 for a whole-home system, or $1,250 per ton up to $10,000 a year for part of the home, in homes heated by oil, propane, electric resistance or a heat pump. Whole-home sizing runs from a Manual J at Concord's 8°F design temperature. |
| Danvers Electric | Danvers | Danvers Electric offers up to $4,000 for eligible heat pumps. |
| Hingham Municipal Light Plant | Hingham | Hingham Light pays $750 per ton up to $4,500 in homes heated by oil, electric heat or propane, plus up to $1,000 when the system is sized to meet the whole heating need and up to $500 for weatherization. An energy assessment comes first. |
| Hull Municipal Lighting Plant | Hull | Hull Light lists weatherization and furnace or boiler rebates, and no heat pump rebate. |
| Marblehead Municipal Light Department | Marblehead | Marblehead Light pays $500 per ton, with a limit of three tons a year. |
| Norwood Light | Norwood | Norwood Light runs its heating and cooling rebates with Energy New England; check with Norwood Light for its current heat pump amounts. |
| Peabody Municipal Light Plant | South Lynnfield, Peabody | Peabody Light pays $500 per ton, counted up to 36,000 BTU per address a year, for owner-occupied homes. |
| Reading Municipal Light Department (RMLD) | Lynnfield Center, North Reading, Reading, Wilmington | RMLD offers up to $11,500 for a new heat pump, or a 0% loan up to $40,000 instead, at your primary home. |
| Wakefield Municipal Gas & Light Department | Wakefield | Wakefield Gas & Light pays $500 to $7,500 across three paths: a heat pump, a heat pump with insulation, or a heat pump replacing a fossil-fuel system. Existing homes only. |
| Wellesley Municipal Light Plant | Wellesley | Wellesley Light pays $8,500 for a whole-home system when the old one is removed or decommissioned ($6,500 if not), or $1,125 per ton up to $5,000 for part of the home, in homes heated by oil, propane, electric resistance or a heat pump. |
What will it cost to run?
Per unit of heat delivered, a heat pump typically costs less to run than oil or propane and well under half of what baseboard costs. Gas is usually cheaper per unit of heat, which is why many gas homes choose dual fuel.
Eversource, National Grid and Unitil customers who heat with a heat pump get lower winter charges from November 1 to April 30. The heat pump electric rate guide explains who qualifies.
Where do these figures come from?
The job ranges are Clement's own typical ranges for these jobs in Boston and the towns around it. Rebate amounts come from Mass Save and each town's light plant, the utility for each town from the Massachusetts Department of Public Utilities, the seasonal rates from Mass.gov, the tank permit fee from the Boston Fire Department, and the running-cost comparison from U.S. Energy Information Administration fuel prices.
Questions about the calculator
Why does the calculator not ask for the size of my house?
Because size alone doesn't set the price. Insulation, windows, the ducts and the number of floors decide what the system has to do, and that comes from the room-by-room load calculation. The calculator shows our range for the job type instead of a guessed number per square foot.
Does the calculator take the rebate off the range?
No. It shows the rebate beside the range, because the amount depends on the equipment's tonnage, your fuel, your electric or gas account and the program on the day of the install. We confirm the program for your address before you sign.
Why does my town change the rebate?
Mass Save is run by Eversource, National Grid and the other investor-owned utilities. Towns with their own light plant, such as Reading, Braintree or Wellesley, run their own heat pump programs, and Mass Save's electric-side rebates don't apply there.
Get an Exact Quote
Send the house details and we'll set up the visit. We add your calculator answers to the request.