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      Barely any heating season · Very hot summers

      Best heat pumps for Clearwater, FL

      Clearwater barely needs heating; choose on cooling efficiency (SEER2 and EER2).

      A typical heat pump costs about $123 a year to heat a house here and $848 to cool it. A 95% gas furnace would cost $186 for the same heat, so the heat pump is cheaper to run.

      Cheapest to run in Clearwater

      Ranked by yearly electricity cost in this climate, so the balance of heating and cooling efficiency is the one that matters here.

      Running cost calculator for Clearwater

      Pre-filled with Clearwater's climate and Florida prices. Pick a model, tell it what you heat with today, and add your quote.

      Heat pump $563/yrYou save $546/yrSee details ↓
      1. Where you live
      Adjust heating and cooling hours

      Filled in from your city's climate. Change them if you run the system much more or less than usual.

      2. The heat pump pick a model or type its ratings
      3. What it replaces
      4. Price replace the example with your quote
      Heat pump, per year
      $563
      Current system, per year
      $1,109
      You save per year
      $546
      Payback
      16.5 years
      Net after 10 years
      -$3,538

      Cooling $481Heating $82Electricity used: 3,653 kWhSaved vs. a minimum-efficiency heat pump: $208

      Estimates use the unit's rated SEER2 and HSPF2, full-load hours derived from NOAA 1991-2020 degree days, average residential electricity prices from the U.S. EIA (12 months to July 2026) and fuel prices from EIA (2025 for natural gas, week of 2026-10-05 for propane and heating oil). Very cold days that need backup heat are not modelled. Federal minimum for comparison: 14.3 SEER2 / 7.5 HSPF2.

      More for Clearwater

      Top 5 12,000 BTU mini-splitsfrom $180/yr
      ModelSEER2HSPF2Per year
      Fujitsu AOUH12KTAP131.513.7$180
      Fujitsu AOUH12KZAH130.512.7$187
      Mitsubishi Electric MUZ-FX12NLHZ29.912.4$191
      Hisense AO-12U3T25P30.011.8$192
      Carrier 37MPRAQ12AA329.512.7$192

      All 12,000 BTU mini-splits

      Top 5 24,000 BTU mini-splitsfrom $401/yr
      ModelSEER2HSPF2Per year
      SLIMAIR SHC24VH2AG27.514.5$401
      TOSOT TW24HAY32A1DO27.010.0$430
      TCL TMH27HEI2NAS0U2526.510.5$433
      Samsung AM024HCMDCG26.010.7$439
      Quilt QO1-M3Z27-NC-NA25.312.0$442

      All 24,000 BTU mini-splits

      Top 5 3-ton central heat pumpsfrom $577/yr
      ModelSEER2HSPF2Per year
      TOSHIBA CARRIER MCY-MUB0368HS2P-UL29.712.2$577
      LG KUSXA361A23.510.5$719
      Heil H5H3V36*K*AAA22.59.5$758
      LG KUSXB361A22.010.3$763
      Trane 5TWV0X36A121.010.5$793

      All 3-ton central heat pumps

      Heat pump vs. gas, propane and oilheat pump is cheaper than gas

      Yearly cost to heat a typical house (36,000 BTU/h of heat, 200 full-load hours) at Florida prices.

      • Heat pump (typical, 9.0 HSPF2)$123/yr
      • Natural gas furnace, 95% AFUE$186/yr
      • Natural gas furnace, 80% AFUE$221/yr
      • Electric baseboard or furnace$325/yr
      • Heating oil, 85% AFUE$365/yr
      • Propane furnace, 95% AFUE$403/yr

      Electricity and natural gas: Florida residential averages from the U.S. EIA; propane and heating oil: latest EIA weekly prices.

      Month by monthpeak $131 in August

      Heating and cooling degree days (NOAA 1991-2020 normals) and what a typical 3-ton heat pump costs in each month at 15.4¢/kWh.

      MonthHeating DDCooling DDCost
      January15953$56
      February9371$42
      March42138$43
      April7247$58
      May0417$96
      June0513$118
      July0561$129
      August0572$131
      September0511$117
      October3373$86
      November33155$45
      December10991$51
      What size heat pump for a Clearwater home?3 ton for 2,000 sq ft
      • 1,000 sq ft house2 ton · heating load 10,000 BTU/h
      • 1,500 sq ft house2.5 ton · heating load 15,000 BTU/h
      • 2,000 sq ft house3 ton · heating load 20,000 BTU/h
      • 2,500 sq ft house3.5 ton · heating load 25,000 BTU/h

      Average insulation, 8 ft ceilings. Size calculator for your own home

      Questions4
      Do heat pumps work in Clearwater winters?
      Clearwater barely needs heating; choose on cooling efficiency (SEER2 and EER2). The average winter low is 55°F, and the heating season adds up to 447 heating degree days (NOAA 1991-2020 normals).
      How much does it cost to run a heat pump in Clearwater?
      A typical 3-ton central heat pump (17.0 SEER2, 9.0 HSPF2) uses about $123 of electricity a year for heating and $848 for cooling in Clearwater, at the Florida average of 15.4¢/kWh. The most efficient models cost less - see the rankings above.
      Is a heat pump cheaper than a gas furnace in Clearwater?
      Yes, for heating at today's prices: about $123 a year with a typical heat pump versus $186 with a 95% gas furnace, using Florida averages of 15.4¢/kWh and $2.46/therm.
      What size heat pump do I need for a 2,000 sq ft house in Clearwater?
      With average insulation, roughly a 3-ton system: the estimated cooling load is 35,100 BTU/h and the heating load 20,000 BTU/h. Use the size calculator for your own house, and ask installers for a Manual J calculation.

      Nearby cities

      Climate: NOAA 1991-2020 normals, station ST PETERSBURG INTL AP (11 km away).