What is the SEER2 rating of the MDV M5OG-48HFN1-M-L?

The MDV M5OG-48HFN1-M-L is rated at up to 23.4 SEER2 and 12.3 EER2 for cooling and up to 9.2 HSPF2 for heating. The exact figure depends on the indoor unit it is paired with; across its 2 certified matchups SEER2 ranges from 21.9-23.4.

Is the MDV M5OG-48HFN1-M-L good for cold climates?

It is not cold-climate certified: none of its matchups meet the ENERGY STAR cold-climate criteria (a COP of at least 1.75 at 5°F among other limits). In places with frequent sub-zero nights, pick a cold-climate 48,000 BTU model.

How much does the MDV M5OG-48HFN1-M-L cost to run per year?

At its rated efficiency it costs about $974-$3,213 a year in electricity in large U.S. cities, depending on climate and local rates - for example $1,285 in Phoenix and $2,750 in Minneapolis. The calculator on this page works it out for your city and compares it with your current system.

What refrigerant does the MDV M5OG-48HFN1-M-L use?

It uses R-410A. R-410A is being phased down under the EPA AIM Act, and new systems are moving to R-454B and R-32.

48,000 BTU mini-split heat pump · MSEP seris

MDV M5OG-48HFN1-M-L

Average cooling efficiency and below average heating efficiency for a 48,000 BTU mini-split heat pump, but not rated for cold climates.

Ranks #17 of 146 48,000 BTU mini-splits for cooling efficiency, and costs about $1,285 a year to run in a mixed climate like Atlanta.

SEER2: 23.4 Cooling efficiency over a season
Average · beats 68%
HSPF2: 9.2 Heating efficiency over a season
Below average · beats 16%
EER2: 12.3 Cooling efficiency on a 95°F day
Below average · beats 35%
Heat at 5°F: 33,000 BTU/h69% of its 47°F output
Below average · beats 9%

A good fit if…

You want steady temperatures and quiet running - the compressor varies its speed.

Think twice if…

You often see nights below 0°F - it is not cold-climate certified.
You mainly need heat - its HSPF2 is below average for mini-splits.
You want the newest refrigerant - it uses R-410A, which is being phased down.

Calculate my running cost

Details

Specifications48,000 BTU, R-410A

General
Brand	MDV
Outdoor unit model	M5OG-48HFN1-M-L
Series	MSEP seris
Type	Mini-split heat pump
Nominal size	48,000 BTU
CompressorVariable-speed units run longer at low power	Continuously variable
Refrigerant	R-410A
Connected (smart) capable	No
On the market since	November 1, 2022
Last certified	June 25, 2026
Cooling
SEER2Seasonal efficiency, higher is better	23.4 (range 21.9-23.4)
EER2Efficiency at 95°F outdoors	11.6-12.3
Cooling capacity	48,000 BTU/h
Heating
HSPF2Seasonal efficiency, higher is better	8.7-9.2
Capacity at 47°F	48,000-49,000 BTU/h
Capacity at 17°F	34,000-35,000 BTU/h
Capacity at 5°F	33,000 BTU/h
COP at 5°F2.0 = twice as efficient as a space heater	1.75-1.80
ENERGY STAR cold climate	No

Heating output as it gets colder69% kept at 5°F

Every heat pump delivers less heat as the outdoor temperature drops. Certified output of its best matchup at the standard test temperatures, in BTU/h:

Certified matchups2 indoor units

The same outdoor unit scores differently with each indoor unit. Ask your installer for the AHRI reference number of the exact system you are quoted.

Indoor unit	SEER2	EER2	HSPF2	Heat @5°F	AHRI ref.
-	23.4	12.3	8.7	33,000	210644052
-	21.9	11.6	9.2	33,000	210644065

Yearly running cost in 10 large cities$974-$3,213

Phoenix, AZ$1,285/yr
Miami, FL$974/yr
Houston, TX$1,155/yr
Atlanta, GA$1,285/yr
Los Angeles, CA$1,276/yr
New York, NY$3,213/yr
Chicago, IL$2,637/yr
Denver, CO$2,214/yr
Seattle, WA$1,378/yr
Minneapolis, MN$2,750/yr

At each state's average electricity price and the city's typical heating and cooling hours.

Questions4

What is the SEER2 rating of the MDV M5OG-48HFN1-M-L?: The MDV M5OG-48HFN1-M-L is rated at up to 23.4 SEER2 and 12.3 EER2 for cooling and up to 9.2 HSPF2 for heating. The exact figure depends on the indoor unit it is paired with; across its 2 certified matchups SEER2 ranges from 21.9-23.4.
Is the MDV M5OG-48HFN1-M-L good for cold climates?: It is not cold-climate certified: none of its matchups meet the ENERGY STAR cold-climate criteria (a COP of at least 1.75 at 5°F among other limits). In places with frequent sub-zero nights, pick a cold-climate 48,000 BTU model.
How much does the MDV M5OG-48HFN1-M-L cost to run per year?: At its rated efficiency it costs about $974-$3,213 a year in electricity in large U.S. cities, depending on climate and local rates - for example $1,285 in Phoenix and $2,750 in Minneapolis. The calculator on this page works it out for your city and compares it with your current system.
What refrigerant does the MDV M5OG-48HFN1-M-L use?: It uses R-410A. R-410A is being phased down under the EPA AIM Act, and new systems are moving to R-454B and R-32.

Running cost and savings

Pre-filled with this model. Pick your city and what you heat with today; everything else is optional.

Heat pump $1,319/yrYou save $1,173/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 MDV M5OG-48HFN1-M-L

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: $1,319
Current system, per year: $2,491
You save per year: $1,173
Payback: 15.3 years
Net after 10 years: -$6,272

Cooling $722Heating $597Electricity used: 8,241 kWhSaved vs. a minimum-efficiency heat pump: $595

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.

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Lennox MPC048S4M-1P23.4 SEER2 · 8.7 HSPF2
Bosch BMS500-AAM048-1CSXRC23.4 SEER2 · 9.2 HSPF2
MRCOOL MULTI5-48HP230B23.4 SEER2 · 8.7 HSPF2
LG ZRUM048GSS0 · cold climate23.3 SEER2 · 10.3 HSPF2
TOSOT TMV-V48WL/NHC-T(U) · cold climate23.5 SEER2 · 9.0 HSPF2

See all 146 48,000 BTU mini-splits, ranked

Source: ENERGY STAR Certified Heat Pumps (U.S. EPA), certification of June 25, 2026. How we use the data.