2026 Monthly & Annual Utility Breakdown (3,500 Sq Ft in Missouri)
Recommended Equipment Size:5.0 Tons (60,000 BTU)
Missouri Residential Electricity / Gas Rate:13.2¢/kWh | $1.32/therm
Cold-Climate Heat Pump (15-Yr Lifespan):$1,040/yr ($87/mo)
Winter Heating vs. Summer Cooling Split (Heat Pump):$899/yr Heat | $141/yr AC
Natural Gas Furnace + Central AC (18-Yr Lifespan):$1,203/yr ($100/mo)
Electric Baseboard + Window AC (25-Yr Lifespan):$3,041/yr ($253/mo)
15-Year Heat Pump Lifespan Net Savings vs. Baseboard:+$26,415
💰 Up to $2,600 Rebate
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Compare 3 Local Missouri HVAC Installer Quotes
Verify 2026 Federal 25C Tax Credit & Ameren Missouri / Evergy rebate eligibility and compare turnkey contractor pricing for a 5.0-Ton system (3,500 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 3,500 sq ft Missouri home.
☀️ Offset 13.2¢/kWh
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Missouri Solar + Heat Pump Net-Zero Calculator
See how an 80%–100% rooftop solar net-metering array eliminates annual electric heating and cooling bills in Missouri.