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Homeowner guide · 2026

What a heat pump actually is.
And how to size one for your home.

A heat pump moves heat instead of burning fuel — delivering 2–4 units of warmth per unit of electricity. Here's how they work, where they work, and how to size yours right.

Efficiency (COP)2.0–4.5Heat delivered per unit of electricity
Cold-climate rating−15°FModern CCHP units maintain full capacity

What is a heat pump and how does it work?

A heat pump is an electric appliance that moves heat instead of burning fuel — providing both heating and cooling from a single system. Modern cold-climate units maintain full efficiency down to negative fifteen degrees Fahrenheit. Typical residential installs range from two to five tons depending on home size, climate zone, and insulation quality.

How heat pumps work

A heat pump uses the same refrigerant cycle as your refrigerator, run in reverse. In heating mode, refrigerant evaporates outside — pulling heat from ambient air, even at sub-freezing temperatures — compresses and condenses indoors, releasing that heat into the home. In cooling mode, the cycle reverses. One unit does both.

Because a heat pump moves heat instead of creating it, the efficiency exceeds 100%. A "COP" (coefficient of performance) of 3.0 means three units of heating energy delivered for one unit of electricity consumed. Modern cold-climate models hold COP above 2.0 at 5°F.

Cold-climate performance

The old "heat pumps don't work in the cold" objection died around 2018. Inverter-driven variable-speed compressors plus enhanced vapor injection (EVI) allow cold-climate heat pumps (CCHP) to maintain rated capacity down to -15°F, with continued operation to -22°F at reduced capacity.

Proven cold-climate installations in Vermont, Maine, Minnesota, and Alaska have run continuous winters with no backup heat. The models most commonly specced by installers in the Northeast and upper Midwest:

  • Mitsubishi Hyper-Heat (H2i) — extended low-temperature operation, ducted and ductless, most common heat pump in the US Northeast
  • Daikin FIT / Aurora — strong cold performance, price/perf leader
  • Fujitsu XLTH — Halcyon line, often the specifier for Vermont/Maine installs
  • Bosch IDS Premium — ducted cold-climate, favored for retrofit

Sizing (Manual J, briefly)

Proper sizing is the single most important decision in a heat pump install. Oversizing wastes money and short-cycles the compressor; undersizing leaves you with backup-heat calls at 10°F.

A Manual J load calculation combines: square footage, insulation, window area, window orientation, air infiltration rate, climate zone. A qualified installer runs the calculation using software (Wrightsoft, Cool Calc) that outputs heating and cooling loads in BTU/hr. Divide by 12,000 to get tonnage.

The ElectrifyAtlas calculator runs a fast Manual J approximation for initial planning — real Manual J requires an in-home visit with a blower-door test. Use our number as a sanity check against any installer proposing more than 20% above or below.

Frequently asked
A gas furnace burns fuel to create heat — a heat pump moves existing heat from outside air into your home using a refrigerant cycle. Because it moves energy rather than converting it, a modern heat pump delivers two to four units of heat per unit of electricity, far beyond the efficiency of combustion.
Yes. Modern cold-climate heat pumps (rated CCHP) maintain full heating capacity down to -15°F and continue operating at reduced capacity to -22°F or below. Models from Mitsubishi Hyper-Heat, Daikin FIT, and Fujitsu XLTH are proven in Minnesota, Vermont, and Maine installations.
Sizing depends on square footage, insulation level, window area, climate zone, and duct layout. A Manual J load calculation by a qualified installer is the correct method — typical US homes need 2-5 tons (24,000-60,000 BTU/hr). Avoid rule-of-thumb sizing; oversized systems short-cycle and under-dehumidify.

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