Is a heat pump worth it in Oklahoma?

At Oklahoma prices a typical heat pump heats a house for about $763 a year, against $737 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 Oklahoma?

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

Moderate winters

Best heat pumps for Oklahoma

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

A typical heat pump costs about $763 a year to heat a house, against $737 for a 95% gas furnace, at 13.6¢/kWh and $1.39/therm.

Cheapest to run in Oklahoma

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: $794

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: $240

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:

Oklahoma City · also Norman$1,166/yr
Tulsa$1,196/yr
Broken Arrow$1,169/yr

More for Oklahoma

Heat pump vs. gas, propane and oil$763 vs. $737 gas

Natural gas furnace, 95% AFUE$737/yr
Heat pump (typical, 9.0 HSPF2)$763/yr
Natural gas furnace, 80% AFUE$876/yr
Propane furnace, 95% AFUE$1,331/yr
Electric baseboard or furnace$2,013/yr
Heating oil, 85% AFUE$2,558/yr

Top 8: 3-ton central heat pumpsfrom $794/yr

TOSHIBA CARRIER MCY-MUB0368HS2P-UL12.2 HSPF2 · $794/yr
LG KUSXA361A10.5 HSPF2 · $947/yr
LG KUSXB361A10.3 HSPF2 · $979/yr
Trane 5TWV0X36A110.5 HSPF2 · $981/yr
Lennox SL22KLV-036-230A10.5 HSPF2 · $989/yr
Lennox EL21KLV-036-230A10.4 HSPF2 · $1,004/yr
GE NS21H36MA5-**A10.4 HSPF2 · $1,004/yr
SAMYOU VUH36-VA6BA(O)10.2 HSPF2 · $1,014/yr

All 3-ton heat pumps

Top 8: 12,000 BTU mini-splitsfrom $240/yr

Fujitsu AOUH12KTAP113.7 HSPF2 · $240/yr
MDV MOX430-12HFN1-MZ60W14.5 HSPF2 · $241/yr
Goodman MSH123G26MCAA14.5 HSPF2 · $241/yr
Fujitsu AOUH12KZAH112.7 HSPF2 · $255/yr
Fujitsu AOUG12LZAS112.9 HSPF2 · $255/yr
Carrier 37MPRAQ12AA312.7 HSPF2 · $258/yr
Fujitsu AOUG12LZAH112.7 HSPF2 · $258/yr
Mainline ML12HP230CALH-O12.7 HSPF2 · $258/yr

All 12,000 BTU mini-splits

Climate in the state's citiesNOAA normals

Oklahoma City0.1 nights ≤ 0°F · 73 days ≥ 90°F
Tulsa0.2 nights ≤ 0°F · 74 days ≥ 90°F
Broken Arrow0.2 nights ≤ 0°F · 81 days ≥ 90°F

Questions2

Is a heat pump worth it in Oklahoma?: At Oklahoma prices a typical heat pump heats a house for about $763 a year, against $737 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 Oklahoma?: Generally not. None of the Oklahoma 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 Oklahoma prices. Pick your city and what you heat with today.

Heat pump $738/yrYou save $304/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: $738
Current system, per year: $1,042
You save per year: $304
Payback: 29.6 years
Net after 10 years: -$5,961

Cooling $229Heating $509Electricity used: 5,413 kWhSaved vs. a minimum-efficiency heat pump: $193

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.