Heat Pump Worth İt 2026
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The basic math
Heat pumps are the dominant 2026 home-electrification story. With the IRA tax credit + state rebates often cutting effective install cost by half, the math has shifted. Here’s when it pays back and when it doesn’t.
When payback is fast (under 5 yr)
Heat pumps move heat instead of generating it — coefficient of performance (COP) typically 2.5-4.0, meaning they deliver 2.5-4× the heat per unit of energy vs electric resistance. That’s the entire cost story.