HVAC Rated

Cold winters

Best heat pumps for Kentucky

In Kentucky a gas furnace still heats for a little less, but a heat pump also replaces the air conditioner.

A typical heat pump costs about $951 a year to heat a house, against $883 for a 95% gas furnace, at 14.0¢/kWh and $1.37/therm. Parts of the state need a cold-climate model.

Cheapest to run in Kentucky

City guides

Each guide uses that city's own climate data. Typical yearly cost of a 3-ton heat pump, heating plus cooling:

More for Kentucky

Heat pump vs. gas, propane and oil$951 vs. $883 gas
  • Natural gas furnace, 95% AFUE$883/yr
  • Heat pump (typical, 9.0 HSPF2)$951/yr
  • Natural gas furnace, 80% AFUE$1,048/yr
  • Propane furnace, 95% AFUE$1,882/yr
  • Electric baseboard or furnace$2,509/yr
  • Heating oil, 85% AFUE$3,030/yr
Top 8: 3-ton central heat pumpsfrom $880/yr

All 3-ton heat pumps

Top 8: 12,000 BTU mini-splitsfrom $261/yr

All 12,000 BTU mini-splits

Climate in the state's citiesNOAA normals
  • Louisville0.4 nights ≤ 0°F · 38 days ≥ 90°F
  • Lexington0.9 nights ≤ 0°F · 25 days ≥ 90°F
  • Bowling Green0.5 nights ≤ 0°F · 47 days ≥ 90°F
Questions2
Is a heat pump worth it in Kentucky?
At Kentucky prices a typical heat pump heats a house for about $951 a year, against $883 for a 95% gas furnace; it wins clearly against propane, oil and electric resistance heat, and it also replaces the air conditioner.
Do I need a cold-climate heat pump in Kentucky?
In parts of the state, yes. Louisville, Lexington have winters where an ENERGY STAR cold-climate model is the safer choice. Check your city's guide below.

Running cost calculator

Pre-filled with Kentucky prices. Pick your city and what you heat with today.

Heat pump $810/yrYou save $241/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
$810
Current system, per year
$1,051
You save per year
$241
Payback
Over 30 years
Net after 10 years
-$6,592

Cooling $176Heating $634Electricity used: 5,793 kWhSaved vs. a minimum-efficiency heat pump: $197

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.

States with a similar climate