Heat pump installation cost in Massachusetts

Massachusetts Heat Pump Installation
Cost Calculator

How the Massachusetts heat pump installation cost calculator works

Our Massachusetts heat pump cost calculator gives a fast, realistic estimate based on the details that affect pricing most. Instead of using a one-size-fits-all number, it adjusts for your home size, current heating system, preferred heat pump type (ducted vs. ductless), and the level of coverage you’re looking for — whether that’s heating and cooling a few rooms or your whole home. The result is a personalized estimate range that reflects what homeowners in Massachusetts actually see, not just national averages.

Get a personalized heat pump installation estimate for your Massachusetts home

Ready to see what a heat pump could cost for your home? Use the calculator to build an estimate in minutes and adjust it anytime based on your home’s setup and comfort goals. Once the estimate looks right, you can save it, share it, or use it as a starting point for a more detailed conversation with our team. The goal is simple: help Massachusetts homeowners understand real pricing, explore incentives, and take the next step with confidence.

How much does a heat pump installation cost in Massachusetts?

Average heat pump installation cost in Massachusetts

Most heat pump installations in Massachusetts cost between $15,000 and $25,000 for a typical home. However, costs can be higher — $25,000 to $40,000+ for larger homes, full-home ducted systems, multi-zone setups, or projects that require electrical upgrades.

Why Massachusetts heat pump costs vary

Most heat pump installations in Massachusetts cost between $15,000 and $25,000 for a typical home. However, costs can be higher — $25,000 to $40,000+ for larger homes, full-home ducted systems, multi-zone setups, or projects that require electrical upgrades.

Massachusetts heat pump costs after
rebates

Massachusetts heat pump rebates explained

Massachusetts homeowners have access to some of the strongest heat pump incentives in the country, and for many, Mass Save™ rebates make heat pump becomes more affordable than ever. The rebate amount depends on your home and your system design — especially whether the heat pump system is designed to cover your whole home. In general, whole-home heat pump systems that can fully replace fossil fuel qualify for up to $8,500 in rebates.

It’s also worth noting: if you don’t qualify for Mass Save, you’re not necessarily out of luck. Some Municipal Light Departments (MLDs) offer their own heat pump rebates for homeowners in their service territories, and those incentives can help offset cost even when Mass Save isn’t available.

0% interest HEAT Loan in Massachusetts

Mass Save also offers a HEAT Loan, which provides eligible homeowners with 0% financing up to $25,000 — on top of available rebates. The HEAT Loan allows homeowners to finance approved energy improvements — including heat pumps — at 0% interest over 3-7 years. For many Massachusetts homeowners, the combination of rebates + 0% financing is what makes moving forward with a heat pump feel achievable.

Ducted vs. ductless heat Pump installation cost in Massachusetts

Ductless heat pump installation cost in Massachusetts

Ductless heat pumps (also called mini-splits) are one of the most common choices in Massachusetts, especially for older homes without existing ductwork. Because they don’t require installing ducts, ductless systems are often faster to install and can be a great fit for homes with additions, finished basements, or rooms that are hard to heat and cool evenly.

In Massachusetts, ductless heat pump installations typically range from $12,000 to $25,000, depending on the number of indoor units (zones), the size of the system, and how much of the home you’re trying to heat and cool. Smaller projects — like a single-zone system for part of the home — can fall on the lower end, while whole-home ductless systems with multiple indoor units land higher. The biggest cost drivers are usually the number of zones, the complexity of running refrigerant lines cleanly through the home, and whether any electrical upgrades are needed.

Ducted heat pump installation cost in Massachusetts

Ducted heat pump systems connect to a central air handler and distribute heated and cooled air through ductwork — similar to a traditional forced-air heating or AC system. If your home already has ducts in good shape or if you would like to add ducts to your home, a ducted heat pump can be an “invisible” solution with consistent comfort throughout the home.

In Massachusetts, ducted heat pump installations typically range from $15,000 to $35,000+. Homes with existing ductwork that’s usable may fall on the lower end, while projects that require new ductwork, major duct modifications, or multiple ducted zones tend to cost more. Like ductless, pricing is also influenced by electrical upgrades, equipment size, and whether the system is designed to heat and cool the full home.

Common heat pump add-on costs

Electrical service upgrade

Many Massachusetts homes were built with 100 amp electrical service, which may not be enough to support a whole-home heat pump system (especially if the home also has an electric stove, dryer, EV charger, or other high-demand appliances). Upgrading to 200 amp service increases the amount of power available to the home and helps ensure the heat pump can run safely and reliably without overloading the system.

Electrical panel upgrades

Even if a home has adequate electrical service, the existing electrical panel may be outdated or simply out of space. Heat pumps usually require new dedicated breakers, and older panels sometimes aren’t compatible with modern electrical codes or don’t have capacity for additional circuits. A panel upgrade creates room for the new breakers and helps ensure the system meets current safety and code requirements. This is especially common in older Massachusetts homes where panels may be undersized, or heavily loaded.

Heat pump hot water heater

Some homeowners choose to add a heat pump water heater as part of their overall electrification plan. Heat pump water heaters are highly efficient and can be a great complement to a heat pump heating system — especially if the home is moving away from oil or gas. While this isn’t required for a heat pump installation, it’s a common upgrade that can help reduce energy use, and improve comfort. It also often makes sense to bundle this work while electricians and contractors are already on-site, which can make the overall project smoother.