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      Mild winters · Hot summers

      Best heat pumps for Waco, TX

      Winters in Waco are mild, so heating efficiency matters less than cooling.

      A typical heat pump costs about $544 a year to heat a house here and $678 to cool it. A 95% gas furnace would cost $602 for the same heat, so the heat pump is cheaper to run.

      Cheapest to run in Waco

      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 Waco

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

      Heat pump $747/yrYou save $498/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
      $747
      Current system, per year
      $1,245
      You save per year
      $498
      Payback
      18.1 years
      Net after 10 years
      -$4,018

      Cooling $384Heating $363Electricity used: 4,667 kWhSaved vs. a minimum-efficiency heat pump: $226

      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 Waco

      Top 5 12,000 BTU mini-splitsfrom $241/yr
      ModelSEER2HSPF2Per year
      Fujitsu AOUH12KTAP131.513.7$241
      MDV MOX430-12HFN1-MZ60W27.514.5$252
      Goodman MSH123G26MCAA27.514.5$252
      Fujitsu AOUH12KZAH130.512.7$254
      Fujitsu AOUG12LZAS129.412.9$257

      All 12,000 BTU mini-splits

      Top 5 24,000 BTU mini-splitsfrom $504/yr
      ModelSEER2HSPF2Per year
      SLIMAIR SHC24VH2AG27.514.5$504
      Quilt QO1-M3Z27-NC-NA25.312.0$576
      MDV MOD30-24HFN10-M1X22.313.5$586
      Mainline ML24HP230NEXH-O22.313.3$590
      ComfortStar CHF3-24CD(O)22.313.3$590

      All 24,000 BTU mini-splits

      Top 5 3-ton central heat pumpsfrom $789/yr
      ModelSEER2HSPF2Per year
      TOSHIBA CARRIER MCY-MUB0368HS2P-UL29.712.2$789
      LG KUSXA361A23.510.5$956
      LG KUSXB361A22.010.3$999
      Trane 5TWV0X36A121.010.5$1,015
      Heil H5H3V36*K*AAA22.59.5$1,027

      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, 850 full-load hours) at Texas prices.

      • Heat pump (typical, 9.0 HSPF2)$544/yr
      • Natural gas furnace, 95% AFUE$602/yr
      • Natural gas furnace, 80% AFUE$715/yr
      • Propane furnace, 95% AFUE$1,092/yr
      • Electric baseboard or furnace$1,435/yr
      • Heating oil, 85% AFUE$1,553/yr

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

      Month by monthpeak $151 in July

      Heating and cooling degree days (NOAA 1991-2020 normals) and what a typical 3-ton heat pump costs in each month at 16.0¢/kWh.

      MonthHeating DDCooling DDCost
      January5473$144
      February38510$103
      March23038$69
      April76114$47
      May9297$72
      June0507$120
      July0637$151
      August0635$150
      September3416$99
      October64171$57
      November26834$78
      December4987$132
      What size heat pump for a Waco home?3 ton for 2,000 sq ft
      • 1,000 sq ft house2 ton · heating load 15,000 BTU/h
      • 1,500 sq ft house2.5 ton · heating load 22,500 BTU/h
      • 2,000 sq ft house3 ton · heating load 30,000 BTU/h
      • 2,500 sq ft house3 ton · heating load 37,500 BTU/h

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

      Questions4
      Do heat pumps work in Waco winters?
      Winters in Waco are mild, so heating efficiency matters less than cooling. The average winter low is 38°F, and the heating season adds up to 2,080 heating degree days (NOAA 1991-2020 normals).
      How much does it cost to run a heat pump in Waco?
      A typical 3-ton central heat pump (17.0 SEER2, 9.0 HSPF2) uses about $544 of electricity a year for heating and $678 for cooling in Waco, at the Texas average of 16.0¢/kWh. The most efficient models cost less - see the rankings above.
      Is a heat pump cheaper than a gas furnace in Waco?
      Yes, for heating at today's prices: about $544 a year with a typical heat pump versus $602 with a 95% gas furnace, using Texas averages of 16.0¢/kWh and $1.87/therm.
      What size heat pump do I need for a 2,000 sq ft house in Waco?
      With average insulation, roughly a 3-ton system: the estimated cooling load is 32,100 BTU/h and the heating load 30,000 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 WACO RGNL AP (8 km away).