Compare Heating Systems: Heat Pump, Ductless, Geothermal or Gas

Compare heating options for your home and identify the questions to discuss during an assessment.

UpdatedOct 31, 2026 TypeHeating Comparison EditionEducational Helper
Heating System Comparison Options & On-Site Assessment
Tool scope Home heating and cooling options
Inputs Home conditions and priorities
Result Options to discuss
Limits On-site assessment helps determine fit

Heating choices for your home

Compare heating systems

Tell us what you know about your home and what matters to you. We’ll help you prepare for a conversation about heating and cooling options.

This is an educational guide. An on-site assessment is needed to confirm equipment fit, sizing and price.

About your home

Choose “Not sure” for anything you don’t know. An assessment can help fill in the gaps.

What matters to you

Choose how important each item is, or leave it as “Not sure.”

The interactive comparison is being prepared. You can still explore the options below or request an assessment.

A quick guide to your options

Each home is different. Ductwork, fuel availability, lot access and the condition of your current system all matter.

On a small screen, scroll sideways to see the full table.

Ways to heat and cool your home
OptionHow it worksWhat to consider
Ducted heat pumpMoves heat between the home and outdoor air and can heat or cool through ducts.Review your ductwork and backup-heat needs.
Ductless mini-splitUses indoor units without a central duct system and can heat and cool.Consider room layout, outdoor-unit placement and the number of rooms.
Gas furnace with central ACA furnace heats air through ducts; a separate AC system provides cooling.Check fuel availability, ductwork and venting.
Geothermal heat pumpExchanges heat with the ground through a loop and can heat or cool the home.Review the lot, loop options and access. Drilling is handled through a partner.
Heat pump with gas backupA heat pump can work with a gas furnace to heat the home.Check fuel, existing equipment, ductwork and controls.
Repair the current systemA technician checks the equipment and discusses repair options.Compare condition, repair needs and your plans before deciding.

Compare common choices

Air-source vs. geothermal

Air-source systems exchange heat with outdoor air; geothermal systems use an underground loop. Geothermal systems typically cost more than air-source systems, so ask about the property and loop work as well as equipment. Department of Energy: geothermal heat pumps

Ductless vs. ducted

A ductless mini-split can serve rooms or additions without central ducts. A ducted system distributes air through ductwork. Ask how room layout and the condition of any existing ducts affect either choice. Department of Energy: home heating and heat pumps

Heat pump vs. gas furnace

A heat pump moves heat and can also cool. A gas furnace heats through ducts and needs separate cooling equipment for air conditioning. Ask about fuel, venting, ductwork and backup heat for your home. Department of Energy: home heating and heat pumps

When to discuss heat pump and gas backup

If your home has a gas furnace, ask whether a heat pump could work alongside it. A technician needs to assess the furnace, ductwork, fuel supply and controls before recommending that arrangement. DOE Building Science: system design with existing heating

What an assessment should check

A technician can review the home’s heating and cooling needs, ductwork, electrical supply, available fuel and site conditions. Manual J is a method for estimating a home’s heating and cooling load. Manual S uses those loads and equipment performance data to help select equipment. Ask how sizing will be checked for your home; this guide does not size a system.

What can affect installation cost

Equipment, ductwork, electrical work, access and ground-loop work can change the scope. Ask for an on-site assessment and a written quote for your home.

Request an installation estimate

After an on-site assessment, ask for a written quote for your home. Compare what each quote includes for equipment, labor, permits, and any electrical, duct or site work.

Request an installation estimate

For geothermal installation pricing, request a written quote after a site assessment.

Rebates and tax credits

CHELCO’s heat pump rebate may provide $350 per ton for qualifying dual-fuel or mini-split heat pumps rated at least 15 SEER in single-family homes. CHELCO requires its staff to complete the load calculation, its sizing recommendations to be followed, and a licensed contractor to install the equipment. Check current eligibility with CHELCO.

The IRS says the energy efficient home improvement credit (25C) and residential clean energy credit (25D) do not apply to property placed in service after December 31, 2025. Earlier installations may have different rules; confirm eligibility with a tax professional.

Coastal exposure

Salt air can contribute to corrosion on exposed outdoor equipment. Ask a technician about placement, corrosion protection and maintenance for your site and equipment; requirements vary by model. For example, Trane and Mitsubishi describe coastal corrosion protection for their M Series outdoor units.

Common questions

Can I keep my existing furnace?

Possibly. A technician can check its condition and compatibility before discussing a heat pump with gas backup or another option.

What if my home has no ducts?

A ductless system may serve a room or other spaces without central ducts. Ask about placement and sizing for the areas you want to condition.

Does this comparison provide a quote or size equipment?

No. It helps you prepare questions. An assessment and load calculation are needed to evaluate equipment and the work your home requires.

Learn more about geothermal heat pumps, heat pumps and electric heating, and heat pumps with existing heating.

Choosing a heating and cooling system

Existing ducts, available fuel, the space you want to condition, your property's layout and your priorities all affect the options worth discussing. This comparison helps organize questions for an assessment. It is not a quote, equipment-sizing calculation, safety clearance or guarantee that an option is suitable.

If a carbon monoxide alarm sounds, a gas leak is suspected, or you see smoke or fire, leave the affected area and contact emergency services from a safe location. Do not use an ordinary website inquiry as an emergency channel.

How the options differ

A ducted air-source heat pump exchanges heat with outdoor air and distributes conditioned air through ducts. A ductless mini-split connects indoor units to an outdoor heat pump and may be useful for a room, addition or selected areas. The right choice depends on the spaces served and how equipment can be installed, not just whether ducts already exist.

A gas furnace supplies heat while separate air-conditioning equipment may provide cooling. Some homes can pair a heat pump with a gas furnace for backup. A technician needs to check available fuel, venting, existing equipment and controls before recommending that arrangement.

A geothermal heat pump exchanges heat with the ground through a loop. A drilling partner performs drilling where it is needed. Different loop arrangements depend on the property, access and project requirements; the type of loop is an assessment question.

Repair may remain an option for equipment that is older or not working. Discuss the condition, repair choices, safety and expected costs with a technician before deciding whether to keep or replace it.

Start with the property

Existing ductwork may be reusable, need repairs or need changes for different equipment. A room addition can have different needs from an entire home. An unknown answer is useful: it identifies something to confirm rather than ruling out an option.

For geothermal, the loop arrangement depends on the property. Lack of access for vertical drilling does not by itself establish that every loop arrangement is impossible. An assessment must review access, space and restrictions.

Balance your priorities

Homeowners may weigh upfront cost, energy use, sound, upkeep, room-by-room control and expected equipment life differently. Actual costs and performance depend on the equipment and property; this page does not predict bills, savings or payback. Ask about a written estimate after an assessment.

Equipment selection should be based on the home's heating and cooling loads and equipment data, not solely on an online worksheet. ACCA explains Manual J residential load calculations and Manual S equipment selection.

Discuss the options

Explore heat pump service and installation, ductless systems, the geothermal guide, or repair service. You may use the contact form to request an assessment. Submitting a request does not confirm an appointment.

For general background, see the U.S. Department of Energy's guide to heat pumps and ductless systems and its guide to geothermal heat pumps.

Where we provide HVAC service across the coast

We provide expert HVAC service across the coast, including

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