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Guide 03 · 9 minute read

Heat pumps, explained

Updated October 2026 · General education, not advice.

A heat pump is an air conditioner that can run in reverse. In summer it moves heat out of the house; in winter it moves heat in, even from cold outdoor air. That one trick is why it heats a home using far less energy than resistance heating or burning fuel.

What it does, in one paragraph

Refrigerant in the outdoor unit absorbs heat from the air (there is heat in air well below freezing), a compressor concentrates it, and the indoor unit releases it into the house. Because it moves heat instead of making it, a modern unit delivers two to four units of heat for every unit of electricity it uses. The same equipment cools in summer.

The main types

When it makes sense

When to think twice

Cold climates

Older heat pumps lost most of their output in freezing weather. Modern cold-climate models are rated to keep heating well below freezing, and many are tested at very low outdoor temperatures. Ask the installer for the unit's rated capacity at your design temperature, not just its summer rating.

Living with one

Questions to ask before signing

  1. Did you do a load calculation for this house, and can I see it?
  2. What is the unit's heating capacity and efficiency at my winter design temperature?
  3. Will the existing ducts handle the airflow, and were they tested for leaks?
  4. Is backup heat included, and when does it switch on?
  5. Which programs may apply, who applies, and what paperwork do they need before installation? Then check those terms yourself.
Want this applied to your own home? The savings planner turns these guides into a checklist for your house, and you can ask us to check which programs may apply.
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