Is a heat pump worth it in Mississippi?

At Mississippi prices a typical heat pump heats a house for about $508 a year, against $519 for a 95% gas furnace, so it is cheaper to run even before counting that it replaces the air conditioner.

Do I need a cold-climate heat pump in Mississippi?

Generally not. None of the Mississippi cities we track has winters cold enough to require a cold-climate model, although one still helps on the coldest nights.

Mild winters

Best heat pumps for Mississippi

In Mississippi a heat pump heats for less than gas.

A typical heat pump costs about $508 a year to heat a house, against $519 for a 95% gas furnace, at 14.9¢/kWh and $1.61/therm.

Cheapest to run in Mississippi

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: $700

Lowest yearly running cost in the state's climate.

Full specs and running cost

Best 12,000 BTU mini-split

Fujitsu AOUH12KTAP1

12,000 BTU mini-split · AIRSTAGE H-Series · cold-climate certified

SEER2: 31.5
HSPF2: 13.7
Per year: $214

Lowest yearly running cost in the state's climate.

Full specs and running cost

City guides

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

Jackson$1,061/yr
Gulfport$959/yr

More for Mississippi

Heat pump vs. gas, propane and oil$508 vs. $519 gas

Heat pump (typical, 9.0 HSPF2)$508/yr
Natural gas furnace, 95% AFUE$519/yr
Natural gas furnace, 80% AFUE$616/yr
Propane furnace, 95% AFUE$1,074/yr
Electric baseboard or furnace$1,339/yr
Heating oil, 85% AFUE$1,553/yr

Top 8: 3-ton central heat pumpsfrom $700/yr

TOSHIBA CARRIER MCY-MUB0368HS2P-UL12.2 HSPF2 · $700/yr
LG KUSXA361A10.5 HSPF2 · $847/yr
LG KUSXB361A10.3 HSPF2 · $883/yr
Trane 5TWV0X36A110.5 HSPF2 · $896/yr
Lennox SL22KLV-036-230A10.5 HSPF2 · $907/yr
Heil H5H3V36*K*AAA9.5 HSPF2 · $911/yr
Daikin DH9VSA361CA10.0 HSPF2 · $918/yr
Sure SP19AY36AJVC10.0 HSPF2 · $918/yr

All 3-ton heat pumps

Top 8: 12,000 BTU mini-splitsfrom $214/yr

Fujitsu AOUH12KTAP113.7 HSPF2 · $214/yr
MDV MOX430-12HFN1-MZ60W14.5 HSPF2 · $222/yr
Goodman MSH123G26MCAA14.5 HSPF2 · $222/yr
Fujitsu AOUH12KZAH112.7 HSPF2 · $226/yr
Fujitsu AOUG12LZAS112.9 HSPF2 · $228/yr
Carrier 37MPRAQ12AA312.7 HSPF2 · $229/yr
Fujitsu AOUG12LZAH112.7 HSPF2 · $230/yr
Mainline ML12HP230CALH-O12.7 HSPF2 · $230/yr

All 12,000 BTU mini-splits

Climate in the state's citiesNOAA normals

Jackson0.0 nights ≤ 0°F · 83 days ≥ 90°F
Gulfport0.0 nights ≤ 0°F · 69 days ≥ 90°F

Questions2

Is a heat pump worth it in Mississippi?: At Mississippi prices a typical heat pump heats a house for about $508 a year, against $519 for a 95% gas furnace, so it is cheaper to run even before counting that it replaces the air conditioner.
Do I need a cold-climate heat pump in Mississippi?: Generally not. None of the Mississippi cities we track has winters cold enough to require a cold-climate model, although one still helps on the coldest nights.

Running cost calculator

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

Heat pump $661/yrYou save $395/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: $661
Current system, per year: $1,056
You save per year: $395
Payback: 22.8 years
Net after 10 years: -$5,054

Cooling $322Heating $338Electricity used: 4,427 kWhSaved vs. a minimum-efficiency heat pump: $196

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.