Heat pumps by metro · Missouri · Illinois · checked October 19, 2026

Heat pumps in St. Louis

Winters are cold enough that output in a cold snap matters, and summers need real cooling. At Missouri prices a cold-climate heat pump delivers heat for about $16.84 per million Btu, against $15.16 for a high-efficiency gas furnace.

A kitchen table with a house floor plan, a laser measure, a tape measure and a laptop showing the plan
Climate Zone 4A 4,433 heating and 1,713 cooling degree days a year
Cold-climate heat pump $16.84 per million Btu seasonal COP 2.8 for this climate
Gas furnace (95%) $15.16 per million Btu gas costs less to run here; a heat pump would need a seasonal COP of 3.1 to match it
Heat pump programs 0 of 2 open 1 unconfirmed · Amounts and equipment rules

Climate and sizing

Winters are cold enough that output in a cold snap matters, and summers need real cooling. This is a humid climate: a variable-speed system that runs longer at low speed pulls more moisture out of the air than a single-stage one. Whatever the climate, the system should be sized from a room-by-room load calculation (ACCA Manual J), not from the size of the old air conditioner or furnace: an oversized heat pump short-cycles, dehumidifies poorly and costs more.

IECC 2021 climate zone
4A
Heating degree days (65°F)
4,433
Cooling degree days (65°F)
1,713
Weather station
ST LOUIS LAMBERT INTL AP, MO US
Seasonal COP for planning
2.8 cold-climate · 2.5 standard
Typical home
—; 45% owner-occupied

Degree days: NOAA 1991–2020 climate normals. Climate zone: IECC 2021 (PNNL county list). Housing: Census American Community Survey. Seasonal COP: Seasonal COP for a whole heating season, including electric backup heat and defrost, for a heat pump sized for mild to cold weather. Planning values set slightly below modelled results (Dunsky/CCI 2024) because field studies (RDH for FortisBC; Yukon pilot) came in lower. Above 6,000 degree-days the values rest on one partial-season pilot in Whitehorse, so we use the low end of the band from 7,000 degree-days (Yellowknife).

What heat costs to run in St. Louis

Cost per million Btu of heat delivered into the house, at Missouri's average residential prices from the EIA (electricity for July 2026, gas as an annual average). A typical older house in a cold climate uses 50 to 100 million Btu of heat a year; a house in the South uses far less. Here a heat pump needs a seasonal COP above 3.1 to beat a 95% gas furnace, so at these prices gas stays cheaper to run; the case for a heat pump rests on replacing the air conditioner, cutting emissions or a time-of-use rate.

Delivered heat cost by fuel in St. Louis
Heating system Cost per million Btu of heat vs cheapest Based on
Natural gas furnace (95%) $15.16 cheapest $1.44 per therm (2025 average)
Cold-climate heat pump $16.84 +11% seasonal COP 2.8 for this climate
Standard heat pump $18.86 +24% seasonal COP 2.5
Propane furnace (93%) $24.23 +60% $2.06 per gallon before tax (week of October 5, 2026)
Electric furnace or baseboards $47.15 +211% 16.1¢ per kWh (July 2026)

Against electric resistance heat (baseboards or an electric furnace), even a standard heat pump cuts the heating bill by about 60%.

Prices: EIA electricity · EIA natural gas. Your own rate plan may differ, especially on a time-of-use or heat pump rate.

Heat pump rebates in St. Louis

Every heat pump program we found for the St. Louis area, with the equipment rule that decides which models qualify. Checked against each program's own page on October 19, 2026. Most utility programs need an AHRI-matched system; check the exact pairing in the AHRI directory before you sign.

Ameren Missouri PAYS heating and cooling rebates

Closed now

Ameren Missouri

Heat pump amountsRebate sheet valid Jan. 1-Dec. 31, 2026, for PAYS tier 4 participants only. Air-source heat pump replacing an ASHP, replacing electric resistance, or where there is no existing central system: $2,000 per system. Dual-fuel ASHP: $2,000. Ground-source: $5,000. Mini-split A/C or heat pump: $500 per ton.

Equipment ruleASHP and dual fuel 15.2+ SEER2; GSHP 23+ EER; mini-split 19+ SEER2. 'A home with existing non-electric heat must maintain that heat source (as primary or backup)'; 'Ameren Missouri does not promote fuel switching or load building.' The customer must have lived in the home for the past 12 months. No sizing rule is stated.

Other conditionsContractors generate the offer through the FastTrack app; customers may select up to three contractors.

StatusClosed for 2026: 'Whole Home PAYS and FastTrack HVAC PAYS are no longer accepting enrollments for 2026'; 'The program has been fully subscribed for 2026.' No reopening date.

ameren.com ↗ · checked October 19, 2026

Ameren Illinois air-source heat pump instant discounts (Metro East)

Unconfirmed

Ameren Illinois

Heat pump amounts'You can receive an instant discount on ducted and ductless air source heat pumps from your local contractor'. No amounts are published on the page.

Equipment ruleThe page advises choosing 'an ENERGY STAR unit suited to your particular home'. It states no SEER2, HSPF2 or cold-climate rule.

Other conditionsDiscount through a local HVAC contractor; the page links a Program Ally finder but does not state it as a requirement.

StatusNo status stated; the page was last modified September 4, 2025, so its currency is uncertain

amerenillinoissavings.com ↗ · checked October 19, 2026

Federal

Federal tax credit (25C)

Ended

No 25C credit for a heat pump placed in service after December 31, 2025. Heat pumps installed in 2025 are claimed on 2025 returns.

irs.gov ↗

High-Efficiency Electric Home Rebates

The federal rebate (formerly HEAR) pays up to $8,000 toward an ENERGY STAR certified heat pump for income-qualified households, through the state. Since May 29, 2026 it covers only upgrades from existing electric equipment, and the installer must be on the state's contractor list. Each state runs its own program; the status is in the list above.

Program rules ↗

Audit programs, other rebates and help for lower-income homes: our St. Louis guide.

Systems that suit St. Louis

The certified systems that heat most efficiently at 5°F, and those that cool most efficiently, on current refrigerants, from ENERGY STAR's US listings. Rebadged twins with identical ratings are folded into one row.

Central systems that heat best in the cold (2 tons and up)

Central systems that heat best in the cold (2 tons and up) for St. Louis
Brand Outdoor / indoor model Size Heat at 5°F COP at 5°F HSPF2 SEER2 Refrigerant AHRI #
Samsung Hylex AC060FCUPCG FEMUU1A60S001R 56,000 BTU/h 4.5-ton 43,000 BTU/h 77% of rated 2.58 9.0 17.0 R-454B ENERGY STAR Cold Climate 217734250
Samsung Hylex AC048FCUPCG FEMTT7A60S001R 48,000 BTU/h 4-ton 40,500 BTU/h 84% of rated 2.52 8.5 16.5 R-454B ENERGY STAR Cold Climate 217734248
Hisense Hi-PRO HD AUWR-60U3TH5 AUH-48UX3TEH3 Same ratings also listed as Multi MFG 48,000 BTU/h 4-ton 37,000 BTU/h 77% of rated 2.52 9.0 19.0 R-454B ENERGY STAR Cold Climate 215270433
Lennox Elite EL21KLV SERIES EL21KLV-036-230A** CK40HT-30B-**+TDR 30,800 BTU/h 3-ton 22,600 BTU/h 73% of rated 2.48 9.0 18.5 R-454B ENERGY STAR Cold Climate 217443282
Midea MVB Series MOE30-36HFN10-M3X MVBDM-36HWFN10-WC3 36,000 BTU/h 3-ton 36,000 BTU/h 100% of rated 2.46 10.0 18.0 R-454B ENERGY STAR Cold Climate 216967947
Hisense Hi-PRO HD AUWR-6024P AUH-6024 Same ratings also listed as Multi MFG 57,000 BTU/h 5-ton 42,000 BTU/h 74% of rated 2.46 9.0 19.0 R-454B ENERGY STAR Cold Climate 214855379
Armstrong Air, AirEase, Ducane and Concord A7CP21V Series A7CP21V36P-**A 7EH30BX-**+TDR Same ratings also listed as AC PRO 30,600 BTU/h 3-ton 22,400 BTU/h 73% of rated 2.46 9.0 19.0 R-454B ENERGY STAR Cold Climate 217446281
GE Appliances and Haier NS21H Series NS21H36MA5-**A NCHC30BT5*-**+TDR 30,600 BTU/h 3-ton 22,400 BTU/h 73% of rated 2.46 9.0 17.0 R-454B ENERGY STAR Cold Climate 217642661

Mini-splits that heat best in the cold

Mini-splits that heat best in the cold for St. Louis
Brand Outdoor / indoor model Size Heat at 5°F COP at 5°F HSPF2 SEER2 Refrigerant AHRI #
Midea M3O Series M3OX430-27HFN8-M1 Same ratings also listed as Innovair, Stelpro, Dettson and Ouellet 27,000 BTU/h 2.5-ton 21,400 BTU/h 79% of rated 2.80 10.0 22.5 R-32 ENERGY STAR Cold Climate 218461516
Fujitsu AIRSTAGE H-Series AOUH12KTAP1 ASUH12KTAS 15,300 BTU/h 1-ton 16,200 BTU/h 106% of rated 2.62 13.7 31.5 R-32 ENERGY STAR Cold Climate 216018256
Hitachi airCore700 PAS-18BUFASDQ1-LAC PCI-B18UFA1DQ 18,000 BTU/h 1.5-ton 15,000 BTU/h 83% of rated 2.60 11.0 27.0 R-32 ENERGY STAR Cold Climate 217450776
York airCore700 YPAS18BUFASDQ1 YPCIB18UFA1DQ Same ratings also listed as Hitachi 20,000 BTU/h 1.5-ton 16,200 BTU/h 81% of rated 2.60 11.0 25.0 R-32 ENERGY STAR Cold Climate 218694242
York Y600 YRACGJ09WHAA YRAKGJ09PHAA Same ratings also listed as Hitachi 9,000 BTU/h 1-ton 8,400 BTU/h 93% of rated 2.57 11.4 23.0 R-32 ENERGY STAR Cold Climate 218037188
Carrier 45M Series 37MARAQ24AA3 45MAHAQ24XA3 Same ratings also listed as Bryant, Midea, Heil, Tempstar, Comfortmaker, KeepRite and other ICP brands, Payne and WeatherMaker, Kenmore, LPS Legacy, Smart Comfort 25,000 BTU/h 2-ton 19,600 BTU/h 78% of rated 2.54 11.7 23.1 R-454B ENERGY STAR Cold Climate 215323752
Bosch BMS Series BMS500-AAS024-1CSXRD BMS500-AAU024-1AHWXD Same ratings also listed as Midea, Moovair, Innovair, Stelpro, Dettson and Ouellet, Cooper & Hunter, ACiQ, Blueridge, AC PRO, CanAir 25,000 BTU/h 2-ton 19,600 BTU/h 78% of rated 2.54 11.7 23.0 R-454B ENERGY STAR Cold Climate 215223306
Fujitsu AIRSTAGE H-Series AOUH15KTAP1 ASUH15KTAS 17,400 BTU/h 1-ton 18,400 BTU/h 106% of rated 2.52 13.0 28.7 R-32 ENERGY STAR Cold Climate 216018257

Central systems that cool most efficiently

Central systems that cool most efficiently for St. Louis
Brand Outdoor / indoor model Size SEER2 EER2 HSPF2 COP at 5°F Refrigerant AHRI #
Carrier Infinity 23 VS Heat Pump 27VNA324A*030* CVAMA4421XMA*+UI Same ratings also listed as Bryant, Heil, Tempstar, Comfortmaker, KeepRite and other ICP brands, ACiQ, Kenmore 27,600 BTU/h 2-ton 23.0 14.0 9.5 2.06 R-454B ENERGY STAR Cold Climate 217624611
Bryant Evolution 23 VS Heat Pump 293VAN048**AA* FE5BNBD60L*+UI Same ratings also listed as Heil, Tempstar, Comfortmaker, KeepRite and other ICP brands, ACiQ, Kenmore 48,000 BTU/h 4-ton 23.0 12.5 9.5 1.98 R-454B ENERGY STAR Cold Climate 215931505
Carrier Infinity 23 VS Heat Pump 27VNA336A*030* CVAVA6124XMA*+UI Same ratings also listed as Bryant, Heil, Tempstar, Comfortmaker, KeepRite and other ICP brands, ACiQ, Kenmore 37,600 BTU/h 3-ton 22.5 12.5 8.5 2.06 R-454B ENERGY STAR Cold Climate 215936924
Heil, Tempstar, Comfortmaker, KeepRite and other ICP brands SmartSense 23 VS HP B5H3V36*K*AAA* EVM5X61M24A*+WALLCON Same ratings also listed as Kenmore 37,600 BTU/h 3-ton 22.5 12.5 8.5 2.04 R-454B ENERGY STAR Cold Climate 218411807
York LX SERIES YH960E2C11 CTM60C5CGS1+JMC17C2SN1+CC Same ratings also listed as Coleman and Luxaire, Kenmore 48,000 BTU/h 4-ton 22.0 12.0 9.0 2.00 R-454B ENERGY STAR Cold Climate 218026792
Mitsubishi Electric P series 5HCL9036A1000A* 5TEM9D04AC31SA* 40,000 BTU/h 3-ton 21.2 12.1 9.2 2.10 R-454B ENERGY STAR Cold Climate 217497618
Lennox DAVE LENNOX SIGNATURE SL22KLV SERIES SL22KLV-060-230A** CK40[C,U]T-60C-**+TDR 51,000 BTU/h 4.5-ton 21.1 11.7 9.0 1.96 R-454B ENERGY STAR Cold Climate 216776120
Lennox Elite EL21KLV SERIES EL21KLV-024-230A** CK40HT-24B-**+TDR Same ratings also listed as Armstrong Air, AirEase, Ducane and Concord 24,000 BTU/h 2-ton 21.0 13.5 8.2 1.90 R-454B ENERGY STAR Cold Climate 218745112

Brands with the most cold-climate models

Outdoor models that meet ENERGY STAR Cold Climate, by brand. Each brand page has the warranty, product lines and best models.

Heat pump brands for St. Louis
Brand ENERGY STAR Cold Climate Best COP at 5°F All certified models Price tier
Midea 523 2.89 629 Mid-range
Gree 368 2.40 406 Mid-range
Mitsubishi Electric 241 3.28 369 Premium
Innovair, Stelpro, Dettson and Ouellet 209 2.80 220 Mid-range
Innova (formerly Ephoca) 191 2.30 191 Premium
TCL 166 2.25 176 Not rated
Blueridge 161 2.54 202 Budget
Heil, Tempstar, Comfortmaker, KeepRite and other ICP brands 146 2.89 275 Budget to premium
Moovair 136 2.89 152 Mid-range
Bryant 123 2.89 219 Budget to premium
Carrier 123 2.89 201 Budget to premium
Comfort-Aire and Century 123 2.44 151 Mid-range

Compare every brand · All 43 brand pages and every certified name

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