2026 Monthly & Annual Utility Breakdown (2,800 Sq Ft in Florida)
Recommended Equipment Size:4.0–4.5 Tons (54,000 BTU)
Florida Residential Electricity / Gas Rate:16¢/kWh | $1.9/therm
Cold-Climate Heat Pump (15-Yr Lifespan):$451/yr ($38/mo)
Winter Heating vs. Summer Cooling Split (Heat Pump):$116/yr Heat | $336/yr AC
Natural Gas Furnace + Central AC (18-Yr Lifespan):$561/yr ($47/mo)
Electric Baseboard + Window AC (25-Yr Lifespan):$963/yr ($80/mo)
15-Year Heat Pump Lifespan Net Savings vs. Baseboard:+$4,080
💰 Up to $2,600 Rebate
Compare FL Installer Quotes →
Compare 3 Local Florida HVAC Installer Quotes
Verify 2026 Federal 25C Tax Credit & Florida Power & Light (FPL) / Duke rebate eligibility and compare turnkey contractor pricing for a 4.0–4.5-Ton system (2,800 sq ft).
🛠️ Save 45% on Install
Size DIY Mini-Split Kit →
DIY Pre-Charged Ductless Mini-Split Kits
Avoid $3,500+ in ductwork labor. Calculate exact multi-zone mini-split BTU capacity for your 2,800 sq ft Florida home.
☀️ Offset 16¢/kWh
Model Solar + Heat Pump ROI →
Florida Solar + Heat Pump Net-Zero Calculator
See how an 80%–100% rooftop solar net-metering array eliminates annual electric heating and cooling bills in Florida.