Do heat pumps work in Fishers winters?

Fishers sees about 37 nights a year at or below 20°F. A cold-climate certified model keeps the house warm without leaning on backup heat. The average winter low is 24°F, and the heating season adds up to 5,221 heating degree days (NOAA 1991-2020 normals).

How much does it cost to run a heat pump in Fishers?

A typical 3-ton central heat pump (17.0 SEER2, 9.0 HSPF2) uses about $1,434 of electricity a year for heating and $289 for cooling in Fishers, at the Indiana average of 17.1¢/kWh. The most efficient models cost less - see the rankings above.

Is a heat pump cheaper than a gas furnace in Fishers?

Not on heating alone at today's prices: about $1,434 a year with a typical heat pump versus $883 with a 95% gas furnace (Indiana averages: 17.1¢/kWh, $1.11/therm). A high-HSPF2 model narrows the gap, and a heat pump also replaces the air conditioner. Against propane, oil or electric heat it is usually far cheaper.

What size heat pump do I need for a 2,000 sq ft house in Fishers?

With average insulation, roughly a 4-ton system: the estimated cooling load is 30,600 BTU/h and the heating load 46,000 BTU/h. Use the size calculator for your own house, and ask installers for a Manual J calculation.

Cold winters · Warm summers

Best heat pumps for Fishers, IN

Fishers sees about 37 nights a year at or below 20°F. A cold-climate certified model keeps the house warm without leaning on backup heat.

A typical heat pump costs about $1,434 a year to heat a house here and $289 to cool it. A 95% gas furnace would cost $883 for the same heat.

This guide also covers Carmel, which share Fishers's weather station and climate data.

Nights at or below 0°F3.4 a year
Nights at or below 20°F37 a year
Days at or above 90°F17 a year
Average winter low24°F
Average summer high84°F
Electricity17.1¢ per kWh
Natural gas$1.11 per therm

Cheapest to run in Fishers

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

Best 12,000 BTU mini-split

MDV MOX430-12HFN1-MZ60W

12,000 BTU mini-split · MSOP series · cold-climate certified

SEER2: 27.5
HSPF2: 14.5
Per year here: $356

For one large room.

Full specs and running cost

Best 24,000 BTU mini-split

SLIMAIR SHC24VH2AG

24,000 BTU mini-split · SHC Series · cold-climate certified

SEER2: 27.5
HSPF2: 14.5
Per year here: $713

For open-plan floor or small home.

Full specs and running cost

Best 3-ton central heat pump

TOSHIBA CARRIER MCY-MUB0368HS2P-UL

3 ton central · cold-climate certified

SEER2: 29.7
HSPF2: 12.2
Per year here: $1,223

For typical whole house.

Full specs and running cost

Running cost calculator for Fishers

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

Heat pump $1,120/yrCosts more by $93/yrSee details ↓

1. Where you live

StateCityElectricity ¢ per kWh

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.

Cooling hours full-load hours per yearHeating hours full-load hours per year

2. The heat pump pick a model or type its ratings

Find a model (fills in the ratings below)

SEER2 cooling efficiencyHSPF2 heating efficiencyCooling capacity BTU/hHeating capacity BTU/h

3. What it replaces

Current heatingFurnace efficiency (AFUE %)Gas price, $/thermCurrent coolingOld AC rating SEER2 (10 ≈ 15+ years old)

4. Price replace the example with your quote

Installed price, $Rebates and incentives, $ utility, state

Heat pump, per year: $1,120
Current system, per year: $1,027
Costs more per year: $93
Payback: No payback
Net after 10 years: -$9,927

Cooling $164Heating $956Electricity used: 6,560 kWhSaved vs. a minimum-efficiency heat pump: $257

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 Fishers

Top 5 12,000 BTU mini-splitsfrom $356/yr

Model	SEER2	HSPF2	Per year
MDV MOX430-12HFN1-MZ60W	27.5	14.5	$356
Goodman MSH123G26MCAA	27.5	14.5	$356
Fujitsu AOUH12KTAP1	31.5	13.7	$366
Fujitsu AOUG12LZAS1	29.4	12.9	$389
Fujitsu AOUH12KZAH1	30.5	12.7	$392

All 12,000 BTU mini-splits

Top 5 24,000 BTU mini-splitsfrom $713/yr

Model	SEER2	HSPF2	Per year
SLIMAIR SHC24VH2AG	27.5	14.5	$713
MDV MOD30-24HFN10-M1X	22.3	13.5	$784
Arcoaire D5CSHAH24AAK	21.2	13.5	$792
Comfort-Aire A-VHP24SA-1	21.0	13.5	$793
Mainline ML24HP230NEXH-O	22.3	13.3	$794

All 24,000 BTU mini-splits

Top 5 3-ton central heat pumpsfrom $1,223/yr

Model	SEER2	HSPF2	Per year
TOSHIBA CARRIER MCY-MUB0368HS2P-UL	29.7	12.2	$1,223
LG KUSXA361A	23.5	10.5	$1,438
Trane 5TWV0X36A1	21.0	10.5	$1,463
Lennox SL22KLV-036-230A	20.5	10.5	$1,469
LG KUSXB361A	22.0	10.3	$1,476

All 3-ton central heat pumps

Heat pump vs. gas, propane and oilgas is cheaper to run

Yearly cost to heat a typical house (36,000 BTU/h of heat, 2,100 full-load hours) at Indiana prices.

Natural gas furnace, 95% AFUE$883/yr
Natural gas furnace, 80% AFUE$1,049/yr
Heat pump (typical, 9.0 HSPF2)$1,434/yr
Propane furnace, 95% AFUE$2,151/yr
Heating oil, 85% AFUE$3,698/yr
Electric baseboard or furnace$3,782/yr

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

Month by monthpeak $308 in January

Heating and cooling degree days (NOAA 1991-2020 normals) and what a typical 3-ton heat pump costs in each month at 17.1¢/kWh.

Month	Heating DD	Cooling DD	Cost
January	1,122	0	$308
February	910	0	$250
March	697	3	$192
April	357	14	$102
May	126	87	$57
June	12	239	$65
July	1	340	$88
August	2	292	$75
September	55	133	$49
October	315	20	$92
November	648	0	$178
December	976	0	$268

What size heat pump for a Fishers home?4 ton for 2,000 sq ft

1,000 sq ft house2 ton · heating load 23,000 BTU/h
1,500 sq ft house3 ton · heating load 34,500 BTU/h
2,000 sq ft house4 ton · heating load 46,000 BTU/h
2,500 sq ft house5 ton · heating load 57,500 BTU/h

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

Questions4

Do heat pumps work in Fishers winters?: Fishers sees about 37 nights a year at or below 20°F. A cold-climate certified model keeps the house warm without leaning on backup heat. The average winter low is 24°F, and the heating season adds up to 5,221 heating degree days (NOAA 1991-2020 normals).
How much does it cost to run a heat pump in Fishers?: A typical 3-ton central heat pump (17.0 SEER2, 9.0 HSPF2) uses about $1,434 of electricity a year for heating and $289 for cooling in Fishers, at the Indiana average of 17.1¢/kWh. The most efficient models cost less - see the rankings above.
Is a heat pump cheaper than a gas furnace in Fishers?: Not on heating alone at today's prices: about $1,434 a year with a typical heat pump versus $883 with a 95% gas furnace (Indiana averages: 17.1¢/kWh, $1.11/therm). A high-HSPF2 model narrows the gap, and a heat pump also replaces the air conditioner. Against propane, oil or electric heat it is usually far cheaper.
What size heat pump do I need for a 2,000 sq ft house in Fishers?: With average insulation, roughly a 4-ton system: the estimated cooling load is 30,600 BTU/h and the heating load 46,000 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 INDIANAPOLIS EAGLE CREEK AP (32 km away).