Heat Pumps for the Midwest

Midwest winters are serious — Chicago sees weeks below 10°F — but electricity is relatively affordable at $0.16/kWh. This tool calculates what each heat pump actually costs over 10 years in this climate, including supplemental heating for the coldest hours. Cold-climate models are pre-filtered. Click your location on the map for results specific to your weather station.

537 heat pumps match this filter. Showing top 50 by SEER2.

Name

Brand

Refrigerant

Performance

Operation

Carrier 45M Series 6k BTU Wall Mount
$3,400 at HVACDirect

CARRIER

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.14	4,100	-	-	1.29	7,500
5F	2.0	13,500	1.15	900	2.0	13,500
17F	2.41	11,000	1.95	1,600	2.26	14,600
47F	4.0	9,000	5.86	4,000	3.19	17,200
95F	5.17	6,000	5.05	3,100	3.5	16,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$3,400
Energy cost	-
Total cost	-

Mitsubishi Electric M-Series 6k BTU Wall Mount
$2,492 (2 stores)

MITSUBISHI ELECTRIC

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-10.0F	1.98	810	-	-	1.93	9,000
5F	2.38	12,600	2.39	1,140	2.38	12,600
17F	3.45	6,000	2.74	1,310	2.69	14,400
47F	4.88	9,000	4.15	1,700	3.31	20,000
95F	6.28	6,000	4.15	1,700	3.31	14,000

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,492
Energy cost	-
Total cost	-

Fujitsu AirStage H-Series 9k BTU Wall Mount
$3,127 at GotDuctless

FUJITSU

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	2.81	1,340	-	-	1.77	13,200
5F	2.48	17,000	3.32	1,700	2.48	17,000
17F	3.74	7,400	4.19	2,000	2.61	19,500
47F	5.41	12,000	6.04	3,300	3.07	24,000
95F	5.61	9,000	7.57	3,100	4.05	15,200

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$3,127
Energy cost	-
Total cost	-

Carrier 45M Series 9k BTU Wall Mount
$3,600 at HVACDirect

CARRIER

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.14	4,100	-	-	1.29	7,500
5F	2.0	13,500	1.15	900	2.0	13,500
17F	2.41	11,000	1.95	1,600	2.26	14,600
47F	3.59	12,000	5.86	4,000	3.19	17,200
95F	4.98	9,000	5.05	3,100	3.5	16,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$3,600
Energy cost	-
Total cost	-

Mitsubishi Electric M-Series 9k BTU Wall Mount
$2,811 (2 stores)

MITSUBISHI ELECTRIC

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-10.0F	2.05	1,470	-	-	2.01	12,000
5F	2.2	14,700	2.2	1,800	2.2	14,700
17F	3.47	7,700	2.44	2,000	2.39	16,300
47F	4.95	12,000	5.05	3,100	2.93	21,300
95F	5.38	9,000	4.58	2,500	2.78	15,000

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,811
Energy cost	-
Total cost	-

Fujitsu AirStage H-Series 9k BTU Wall Mount
$2,786 at GotDuctless

FUJITSU

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-15.0F	2.23	1,370	-	-	1.7	11,400
5F	2.26	15,400	3.09	1,900	2.26	15,400
17F	3.6	7,500	3.39	2,200	2.49	17,500
47F	5.33	12,000	5.13	3,500	3.08	23,000
95F	5.5	9,000	8.26	3,100	3.98	12,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,786
Energy cost	-
Total cost	-

Fujitsu AirStage H-Series 12k BTU Wall Mount
$3,396 at GotDuctless

FUJITSU

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	3.09	1,900	-	-	1.76	15,300
5F	2.62	16,200	3.86	2,500	2.18	20,500
17F	3.47	9,600	4.72	2,900	2.59	22,800
47F	4.87	15,300	6.28	4,500	3.59	27,300
95F	4.88	12,000	7.57	3,100	3.84	17,300

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$3,396
Energy cost	-
Total cost	-

Fujitsu AirStage H-Series 12k BTU Wall Mount
$3,051 at GotDuctless

FUJITSU

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-15.0F	2.74	1,400	-	-	1.81	12,200
5F	2.16	16,600	3.36	1,950	2.16	16,600
17F	3.45	10,000	3.39	2,200	2.44	18,700
47F	4.64	16,000	5.13	3,500	3.07	23,600
95F	4.69	12,000	8.26	3,100	3.84	16,000

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$3,051
Energy cost	-
Total cost	-

Gree Airy 9k BTU Wall Mount
$2,932 at HVACDirect

GREE

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	4.23	2,600	-	-	1.64	7,400
5F	2.11	11,500	4.23	2,600	2.11	11,500
17F	3.22	8,900	4.32	2,800	2.06	13,000
47F	4.44	10,600	5.28	2,700	3.75	16,000
95F	4.94	9,100	8.37	2,000	3.16	14,000

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,932
Energy cost	-
Total cost	-

Fujitsu AirStage H-Series 9k BTU Wall Mount
$2,156 at GotDuctless

FUJITSU

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
5F	2.32	10,300	2.55	2,000	2.32	10,300
17F	3.24	7,400	2.93	1,700	2.62	12,600
47F	4.63	12,000	5.86	2,800	2.64	14,500
95F	4.8	9,000	6.99	3,100	3.77	12,100

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,156
Energy cost	-
Total cost	-

Mitsubishi Electric M-Series 12k BTU Wall Mount
$3,158 (2 stores)

MITSUBISHI ELECTRIC

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-10.0F	2.01	1,510	-	-	2.01	13,200
5F	2.2	16,200	2.26	1,850	2.2	16,200
17F	3.41	9,300	2.54	2,080	2.49	18,200
47F	4.2	13,200	5.05	3,100	3.22	23,500
95F	4.51	12,000	4.58	2,500	2.84	16,100

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$3,158
Energy cost	-
Total cost	-

Carrier 45M Series 12k BTU Wall Mount
$3,900 at HVACDirect

CARRIER

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.14	4,100	-	-	1.29	7,500
5F	2.0	13,500	1.15	900	2.0	13,500
17F	2.41	11,000	1.95	1,600	2.26	14,600
47F	3.59	12,000	5.86	4,000	3.19	17,200
95F	4.19	12,000	5.05	3,100	3.5	16,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$3,900
Energy cost	-
Total cost	-

Gree Airy 12k BTU Wall Mount
$3,114 at HVACDirect

GREE

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	4.23	2,600	-	-	1.75	8,500
5F	2.0	12,200	4.23	2,600	2.0	12,200
17F	3.11	10,300	4.32	2,800	2.06	13,000
47F	4.53	12,200	5.04	3,270	3.77	16,200
95F	4.45	12,000	10.62	2,900	3.83	17,000

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$3,114
Energy cost	-
Total cost	-

Fujitsu AirStage H-Series 14k BTU Wall Mount
$3,674 at GotDuctless

FUJITSU

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	3.45	2,000	-	-	1.72	17,400
5F	2.54	18,400	3.96	2,700	2.0	23,500
17F	3.44	10,800	4.56	2,800	2.29	24,300
47F	4.72	17,400	6.28	4,500	3.57	28,000
95F	4.52	14,500	7.14	3,900	3.49	19,400

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$3,674
Energy cost	-
Total cost	-

Mitsubishi Electric M-Series 9k BTU Wall Mount
$2,465 (2 stores)

MITSUBISHI ELECTRIC

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-10.0F	1.96	670	-	-	1.95	7,450
5F	1.8	9,600	2.29	860	1.8	9,600
17F	2.66	5,900	2.32	1,030	2.39	11,500
47F	4.85	9,600	5.69	3,300	2.66	15,900
95F	4.55	9,000	4.47	3,200	3.41	12,200

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,465
Energy cost	-
Total cost	-

Mitsubishi Electric M-Series 9k BTU Wall Mount
$1,940 (2 stores)

MITSUBISHI ELECTRIC

R-410A

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-4.0F	2.12	1,230	-	-	2.08	6,180
5F	2.12	7,900	2.1	1,580	2.12	7,900
17F	2.61	6,500	2.39	2,040	2.43	10,200
47F	4.44	10,900	5.73	4,500	2.68	15,900
95F	4.55	9,000	4.4	3,600	3.41	12,200

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,940
Energy cost	-
Total cost	-

Mitsubishi Electric M-Series 9k BTU Wall Mount
$2,241 (2 stores)

MITSUBISHI ELECTRIC

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-10.0F	1.41	480	-	-	1.43	5,330
5F	1.8	8,100	1.86	700	1.8	8,100
17F	2.69	6,700	2.22	910	2.15	10,200
47F	4.44	10,900	5.69	3,300	2.68	15,900
95F	4.55	9,000	4.47	3,200	3.41	12,200

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,241
Energy cost	-
Total cost	-

Gree Airy 18k BTU Wall Mount
$4,101 at HVACDirect

GREE

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	2.14	5,100	-	-	1.23	10,800
5F	1.8	18,000	2.49	6,800	1.8	18,000
17F	2.86	15,500	2.61	8,000	1.9	20,100
47F	4.01	18,600	5.23	5,000	3.24	23,000
95F	4.19	18,000	6.01	4,100	3.19	25,590

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$4,101
Energy cost	-
Total cost	-

Fujitsu AirStage H-Series 12k BTU Wall Mount
$2,374 at GotDuctless

FUJITSU

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
5F	2.39	10,600	2.55	2,000	2.39	10,600
17F	3.11	8,700	2.93	1,700	2.65	13,200
47F	4.32	14,000	5.86	2,800	2.5	15,000
95F	3.95	12,000	6.99	3,100	3.26	13,800

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,374
Energy cost	-
Total cost	-

Fujitsu AirStage H-Series 14k BTU Wall Mount
$3,274 at GotDuctless

FUJITSU

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-15.0F	0.66	1,900	-	-	1.92	16,400
5F	2.1	21,000	3.49	2,500	2.1	21,000
17F	3.44	11,400	3.81	2,600	2.35	22,000
47F	4.59	18,000	5.07	4,150	3.26	25,000
95F	4.34	14,500	6.06	3,100	3.28	19,000

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$3,274
Energy cost	-
Total cost	-

Carrier 45M Series 9k BTU Wall Mount
$2,560 at HVACDirect

CARRIER

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.17	2,000	-	-	1.11	5,100
5F	1.8	11,500	1.72	4,100	1.8	11,500
17F	2.71	9,800	2.22	5,300	1.75	12,800
47F	3.74	12,000	4.84	3,800	3.35	16,000
95F	4.55	9,000	8.57	3,800	3.35	13,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,560
Energy cost	-
Total cost	-

ACiQ 9k BTU Wall Mount
$1,495 at HVACDirect

ACIQ

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.17	2,000	-	-	1.11	5,100
5F	1.8	11,500	1.72	4,100	1.8	11,500
17F	2.71	9,800	2.22	5,300	1.75	12,800
47F	3.74	12,000	4.84	3,800	3.35	16,000
95F	4.55	9,000	8.57	3,800	3.35	13,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,495
Energy cost	-
Total cost	-

Senville SENA Series 9k BTU Wall Mount
$1,300 at Amazon

SENVILLE

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.17	2,000	-	-	1.11	5,100
5F	1.8	11,500	1.72	4,100	1.8	11,500
17F	2.71	9,800	2.22	5,300	1.75	12,800
47F	3.74	12,000	4.84	3,800	3.35	16,000
95F	4.55	9,000	8.57	3,800	3.35	13,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,300
Energy cost	-
Total cost	-

Cooper & Hunter CH Series 9k BTU Floor Mount
$1,698 at MiniSplitWarehouse

COOPER&HUNTER

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.04	2,700	-	-	1.02	4,700
5F	1.84	11,300	1.83	2,000	1.84	11,300
17F	2.71	9,800	2.49	2,800	2.17	12,200
47F	4.4	9,000	4.96	4,400	3.5	16,100
95F	4.4	9,000	5.71	3,700	3.49	13,700

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,698
Energy cost	-
Total cost	-

ACiQ 9k BTU Floor Mount
$1,900 at HVACDirect

ACIQ

R454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.04	2,700	-	-	1.02	4,700
5F	1.84	11,300	1.83	2,000	1.84	11,300
17F	2.71	9,800	2.49	2,800	2.17	12,200
47F	4.4	9,000	4.96	4,400	3.5	16,100
95F	4.4	9,000	5.71	3,700	3.49	13,700

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,900
Energy cost	-
Total cost	-

Durastar DRA Series 9k BTU Floor Mount
$2,169 at GotDuctless

DURASTAR

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.04	2,700	-	-	1.02	4,700
5F	1.84	11,300	1.83	2,000	1.84	11,300
17F	2.71	9,800	2.49	2,800	2.17	12,200
47F	4.4	9,000	4.96	4,400	3.5	16,100
95F	4.4	9,000	5.71	3,700	3.49	13,700

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,169
Energy cost	-
Total cost	-

Cooper & Hunter 6k BTU Wall Mount
$1,369 at MiniSplitWarehouse

C&H

R-410A

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
5F	2.09	7,500	1.81	2,105	2.19	8,581
17F	2.9	8,500	2.29	2,108	2.45	10,041
47F	3.95	7,000	4.35	3,565	3.73	13,241
95F	4.63	6,000	2.61	3,388	3.75	12,402

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,369
Energy cost	-
Total cost	-

Fujitsu AirStage H-Series 18k BTU Ceiling Cassette
$4,904 at GotDuctless

FUJITSU

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-5.0F	4.64	1,900	-	-	2.06	14,400
5F	2.28	17,100	4.88	2,000	2.28	17,100
17F	3.01	14,400	5.13	2,100	2.42	19,300
47F	3.81	21,600	6.49	3,100	2.61	24,000
95F	4.0	18,000	5.05	3,100	3.04	20,100

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$4,904
Energy cost	-
Total cost	-

Midea DLC-series 18k BTU Wall Mount
$2,731 at MiniSplitWarehouse

MIDEA

R-410A

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
5F	2.89	24,000	1.35	3,589	2.89	24,000
17F	2.89	20,200	1.83	5,125	1.98	24,485
47F	4.28	20,000	3.58	8,673	3.36	30,995
95F	4.47	18,000	3.71	8,236	3.29	26,934

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,731
Energy cost	-
Total cost	-

Cooper & Hunter CH Series 9k BTU Floor Mount
$1,577 at MiniSplitWarehouse

COOPER&HUNTER

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-13.0F	0.84	800	-	-	1.42	4,600
5F	2.27	8,600	1.78	1,700	2.27	8,600
17F	2.9	9,000	3.35	3,200	2.49	9,600
47F	4.32	9,000	5.54	5,100	3.38	12,700
95F	4.71	9,000	5.86	4,000	3.86	12,900

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,577
Energy cost	-
Total cost	-

Gree Pular 9k BTU Wall Mount
$2,103 at HVACDirect

GREE

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.39	1,800	-	-	1.42	6,000
5F	1.88	9,500	2.54	2,600	1.88	9,500
17F	2.93	8,800	3.04	2,700	2.08	11,000
47F	3.9	10,500	4.67	2,388	2.82	14,600
95F	4.37	9,100	4.21	2,730	3.5	13,000

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,103
Energy cost	-
Total cost	-

Durastar DRA Series 9k BTU Wall Mount
$1,492 at GotDuctless

DURASTAR

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.07	2,000	-	-	1.24	5,800
5F	1.8	11,500	1.8	4,000	1.8	11,500
17F	2.59	10,000	2.34	5,200	1.75	12,800
47F	3.63	12,000	5.57	3,800	3.3	16,000
95F	4.4	9,000	8.79	3,600	3.35	13,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,492
Energy cost	-
Total cost	-

Cooper & Hunter CH Series 9k BTU Wall Mount
$1,419 at MiniSplitWarehouse

COOPER&HUNTER

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.07	2,000	-	-	1.24	5,800
5F	1.8	11,500	1.8	4,000	1.8	11,500
17F	2.59	10,000	2.34	5,200	1.75	12,800
47F	3.63	12,000	5.57	3,800	3.3	16,000
95F	4.4	9,000	8.79	3,600	3.35	13,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,419
Energy cost	-
Total cost	-

Cooper & Hunter CH Series 9k BTU Wall Mount
$1,419 at MiniSplitWarehouse

COOPER&HUNTER

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.07	2,000	-	-	1.24	5,800
5F	1.8	11,500	1.8	4,000	1.8	11,500
17F	2.59	10,000	2.34	5,200	1.75	12,800
47F	3.63	12,000	5.57	3,800	3.3	16,000
95F	4.4	9,000	8.79	3,600	3.35	13,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,419
Energy cost	-
Total cost	-

Durastar DRA Series 9k BTU Floor Mount
$1,757 at GotDuctless

DURASTAR

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-13.0F	0.84	800	-	-	1.42	4,600
5F	2.27	8,600	1.78	1,700	2.27	8,600
17F	2.9	9,000	3.35	3,200	2.49	9,600
47F	4.32	9,000	5.54	5,100	3.38	12,700
95F	4.71	9,000	5.86	4,000	3.86	12,900

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,757
Energy cost	-
Total cost	-

Midea D5F Series 9k BTU Floor Mount
$1,579 at MiniSplitWarehouse

MIDEA

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-13.0F	0.84	800	-	-	1.42	4,600
5F	2.27	8,600	1.78	1,700	2.27	8,600
17F	2.9	9,000	3.35	3,200	2.49	9,600
47F	4.32	9,000	5.54	5,100	3.38	12,700
95F	4.8	9,000	5.86	4,000	3.86	12,900

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,579
Energy cost	-
Total cost	-

Gree Pular 22k BTU Wall Mount
$3,394 at HVACDirect

GREE

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-30.0F	1.52	2,600	-	-	2.49	14,000
5F	2.13	19,000	2.49	3,400	2.13	19,000
17F	2.7	20,000	3.4	5,570	2.11	22,000
47F	3.8	24,000	4.5	4,300	3.18	33,600
95F	4.0	22,000	4.66	3,340	2.95	28,660

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$3,394
Energy cost	-
Total cost	-

Mitsubishi Electric M-Series 15k BTU Wall Mount
$3,633 (2 stores)

MITSUBISHI ELECTRIC

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-10.0F	1.81	2,720	-	-	1.82	16,500
5F	2.06	22,200	2.15	3,660	2.06	22,200
17F	3.08	10,600	2.1	4,370	2.1	26,500
47F	4.48	16,500	5.39	5,150	3.16	28,400
95F	4.31	15,000	4.17	3,700	2.54	19,100

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$3,633
Energy cost	-
Total cost	-

Carrier 45M Series 18k BTU Wall Mount
$4,600 at HVACDirect

CARRIER

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	0.98	2,400	-	-	1.45	11,900
5F	2.34	22,600	1.96	9,300	2.34	22,600
17F	3.01	19,300	2.26	11,500	2.35	23,200
47F	4.41	20,000	5.36	9,700	3.57	29,700
95F	4.4	18,000	3.93	12,600	3.59	27,900

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$4,600
Energy cost	-
Total cost	-

Carrier 45M Series 6k BTU Wall Mount
$2,300 at HVACDirect

CARRIER

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.09	2,300	-	-	1.23	3,200
5F	2.4	7,700	1.79	3,600	2.4	7,700
17F	2.79	7,900	2.49	5,100	2.38	8,600
47F	4.19	7,000	3.66	3,000	2.96	11,000
95F	5.33	6,000	3.97	2,300	3.89	12,600

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,300
Energy cost	-
Total cost	-

Mitsubishi Electric M-Series 12k BTU Wall Mount
$2,936 (2 stores)

MITSUBISHI ELECTRIC

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-10.0F	0.95	1,130	-	-	0.93	8,160
5F	1.8	12,300	1.42	1,700	1.8	12,300
17F	2.72	7,600	1.85	2,210	1.85	16,000
47F	3.92	12,300	3.87	3,300	2.24	19,100
95F	3.91	12,000	2.12	1,300	2.15	14,000

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,936
Energy cost	-
Total cost	-

Mitsubishi Electric M-Series 12k BTU Wall Mount
$2,643 (2 stores)

MITSUBISHI ELECTRIC

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-10.0F	1.24	550	-	-	1.26	6,780
5F	1.8	10,100	1.63	780	1.8	10,100
17F	2.64	9,000	2.05	980	2.11	12,000
47F	3.84	14,400	4.0	1,500	2.98	18,100
95F	3.91	12,000	4.23	1,300	2.75	14,000

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,643
Energy cost	-
Total cost	-

Mitsubishi Electric M-Series 17k BTU Wall Mount
$4,230 (2 stores)

MITSUBISHI ELECTRIC

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-10.0F	1.84	2,760	-	-	1.83	17,500
5F	2.06	23,600	2.06	3,730	2.06	23,600
17F	3.0	12,700	2.14	4,450	2.16	28,200
47F	3.58	17,000	5.39	5,150	3.06	30,200
95F	3.82	17,200	4.17	3,700	2.67	21,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$4,230
Energy cost	-
Total cost	-

Gree Floor ceiling 9k BTU Floor/Ceiling Console
$3,159 at HVACDirect

GREE

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.17	1,600	-	-	1.17	6,000
5F	1.9	10,500	2.05	2,800	1.9	10,500
17F	2.96	8,900	2.34	4,000	1.98	13,000
47F	4.1	10,500	5.13	2,800	3.18	15,500
95F	4.17	9,100	7.33	2,500	3.45	11,900

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$3,159
Energy cost	-
Total cost	-

Fujitsu AirStage H-Series 18k BTU Wall Mount
$4,036 at GotDuctless

FUJITSU

R-32

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-15.0F	3.1	3,700	-	-	1.65	19,110
5F	2.08	24,800	3.57	5,000	2.02	25,400
17F	3.32	13,600	3.72	5,200	2.3	27,200
47F	4.37	21,600	5.45	8,000	3.21	31,800
95F	4.09	18,000	5.13	7,000	3.13	26,200

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$4,036
Energy cost	-
Total cost	-

Carrier 45M Series 12k BTU Wall Mount
$2,700 at HVACDirect

CARRIER

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.17	2,000	-	-	1.25	5,900
5F	1.8	11,500	1.72	4,100	1.8	11,500
17F	2.71	9,800	2.22	5,300	1.75	12,800
47F	3.74	12,000	4.84	3,800	3.35	16,000
95F	3.95	12,000	8.57	3,800	3.35	13,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$2,700
Energy cost	-
Total cost	-

ACiQ 12k BTU Wall Mount
$1,650 at HVACDirect

ACIQ

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.17	2,000	-	-	1.25	5,900
5F	1.8	11,500	1.72	4,100	1.8	11,500
17F	2.71	9,800	2.22	5,300	1.75	12,800
47F	3.74	12,000	4.84	3,800	3.35	16,000
95F	3.91	12,000	8.57	3,800	3.35	13,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,650
Energy cost	-
Total cost	-

Senville SENA Series 12k BTU Wall Mount
$1,400 at Amazon

SENVILLE

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.17	2,000	-	-	1.25	5,900
5F	1.8	11,500	1.72	4,100	1.8	11,500
17F	2.71	9,800	2.22	5,300	1.75	12,800
47F	3.74	12,000	4.84	3,800	3.35	16,000
95F	3.91	12,000	8.57	3,800	3.35	13,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,400
Energy cost	-
Total cost	-

Cooper & Hunter CH Series 6k BTU Wall Mount
$1,339 at MiniSplitWarehouse

COOPER&HUNTER

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.09	2,300	-	-	1.22	3,900
5F	2.29	7,500	1.65	3,100	2.29	7,500
17F	2.5	7,600	2.1	3,800	2.04	8,700
47F	3.8	7,000	4.94	3,200	2.61	10,700
95F	4.63	6,000	4.88	2,500	3.62	11,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,339
Energy cost	-
Total cost	-

Durastar DRA Series 6k BTU Wall Mount
$1,056 at GotDuctless

DURASTAR

R-454B

Temp	COP	BTU (rated)	COP (min)	BTU (min)	COP (max)	BTU (max)
-22.0F	1.09	2,300	-	-	1.22	3,900
5F	2.29	7,500	1.65	3,100	2.29	7,500
17F	2.5	7,600	2.1	3,800	2.04	8,700
47F	3.8	7,000	4.94	3,200	2.61	10,700
95F	4.63	6,000	4.88	2,500	3.62	11,500

kWh/yr (heat pump)	-
kWh suppl. heat	-
kWh total/yr	-
Hours over capacity	-
Hours short cycling	-
Purchase cost	$1,056
Energy cost	-
Total cost	-

Frequently Asked Questions

Can a heat pump really handle a Chicago polar vortex?

The best cold-climate models operate down to -25°F, which covers even the worst polar vortex events. But there's a difference between operates and operates efficiently. At 5°F, top models maintain COP around 2.0-3.0 — still way better than electric resistance. At -15°F, output and efficiency drop further. That's why many Midwest homeowners keep a gas furnace as backup: the heat pump handles 85-90% of heating hours efficiently, and gas takes over for the coldest 10-15%. It's pragmatic, not a cop-out.

Is a heat pump cheaper than gas in the Midwest?

Midwest gas is among the cheapest in the country, so this is a closer call than in New England. The break-even depends on your exact rates — plug them into the tool above and it'll calculate the total cost for each model using your local weather data. In general, a dual-fuel system (heat pump primary, gas backup below 5-10°F) beats gas-only in most Midwest scenarios because the heat pump is so much more efficient during the many hours above 20°F.

Should I get dual-fuel or go all-electric?

If you have a working gas furnace, dual-fuel is the pragmatic choice — most savings without betting everything on electricity during extreme cold. If you're replacing a dead furnace, all-electric with a cold-climate unit plus electric resistance backup strips is viable and simpler. The Midwest is honestly one of the hardest regions for all-electric because of how cold it gets and how cheap gas is. I wouldn't judge anyone for keeping gas in the mix here.

What specs matter most for Midwest heat pumps?

COP at 5°F separates the real performers from the pretenders. In my database it ranges from 0.65 to 3.0 — a massive spread. The models near 3.0 are genuinely efficient in deep cold; the ones near 1.0 are barely better than a space heater. COP at 17°F matters too (ranges from 2.0 to 4.0) since that covers the majority of your winter hours. Sort by those columns — don't just look at SEER2, which tells you nothing about cold performance.

2 What you have now

Heating

at $/therm, % efficient

Cooling

Ducts

A ducted heat pump would use

When it's cold

Electricity $/kWh

3 The house

Estimate from its age

Customize walls, windows, air leaks →

From last winter's total

includes hot water

From your bills (most accurate)

Load a file (CSV, XML) Amounts are in

Advanced

My System

What would a heat pump save in your home?

Each model is run hour by hour against your local weather, with your current heating covering whatever it can't. Describe your home on the left; results update as you type.

Name	Brand	SEER2	HSPF2	Works to	Price	Cost/Year

Frequently Asked Questions

Can a heat pump really handle a Chicago polar vortex?

Is a heat pump cheaper than gas in the Midwest?

Should I get dual-fuel or go all-electric?

What specs matter most for Midwest heat pumps?

This is a prototype I'm working on, and would love feedback - send any thoughts/comments/suggestions for improvement to tophatmonkey@gmail.com

This page is made to help you figure out heat pumps. Heat pumps used to have universally terrible performance when it got below 40 degrees, but in recent years, that's changed - some now work well down to -22! But that's not true for all heat pumps, which is why I made this tool to use the actual performance metrics to estimate how each would behave with your house, in your specific location and your weather.

How?

First, use the map to choose where your house is.
Using that, we get the hourly weather for your location for the full year.
Then, use the text boxes to describe your house - where is it, how big it is, how well insulated, and how much your electricity costs.
Using that, we make a model of your house and estimate heat loss for every hour.
Using those together, along with capacity/efficiency data at different temps for lots of heat pumps, we estimate how much electricity each one would use, and figure out which ones won't be able to keep up - look for "Hours Over Capacity" to see which heat pumps aren't quite keeping up. A little of that is OK, a lot, not so much.
The page combines the purchase price (amortized) with the annual electricity cost to show a blended cost per year. A more efficient heat pump might cost more upfront, but if you need a lot of heating or cooling, it might end up being cheaper overall. We sort by that annual cost.

This page may look kind of crappy, but don't judge this book by its cover! It's more sophisticated than most pages that look a lot nicer.

Heat pumps are pretty awesome. They're basically air conditioners that can run in either direction, and because they move heat between in and outside instead of just creating it, they can be more than 100% efficient! In many cases, they're in the range of 400% efficient, or even more. You can get more heat in your house using natural gas to generate electricity to run a heat pump than if you burn the gas directly in your house. Crazy!

This tool is for people who are interested in buying a heat pump without going through a contractor, or for any contractors who might find comparisons useful. In many cases, especially with minisplits, it's not too hard to do it yourself, and much cheaper than hiring a professional. But they can be a bit tricky to compare when it comes to efficiency versus cost tradeoffs, which is why I built this tool to help you play around the numbers and figure out what might be right for you.

If you decide to DIY this, though, I'd advise a few things. First, watch a bunch of YouTube DIY videos, but be aware that it's not quite as simple to do a good job of it as they show. If you get one of the MrCool DIY series pumps, you can just use their pre-evacuated linesets, and I've heard that's pretty simple. But if you go with one of the others with normal linesets, you need a vacuum pump, torque wrench, and the other tools they recommend, but you also need a digital micron gauge, a flaring tool, and you probably want a coring tool with shutoff valve, and you might want to do a pressure test with nitrogen, which means you probably need a pressure regulator. You probably also want a higher quality vacuum pump than most YouTubers show. Many YouTubers use an analog manifold, but for pulling a deep vacuum and making sure it holds, that's like trying to measure inches with your car's odometer - the level to which you need to measure is invisible on that scale. Instead, you want a digital micron gauge. This isn't to scare you off, I did my own this way and it wasn't hard once I figured out what I needed, this is just to make it so you don't get halfway into your project before you realize the real cost of doing this right.

Heat Pumps for the Midwest

Frequently Asked Questions

Can a heat pump really handle a Chicago polar vortex?

Is a heat pump cheaper than gas in the Midwest?

Should I get dual-fuel or go all-electric?

What specs matter most for Midwest heat pumps?

Heat Pumps for the Midwest

What would a heat pump save in your home?

Frequently Asked Questions

Building Heat Loss Details

Heat Loss Breakdown