2026 Monthly & Annual Utility Breakdown (3,500 Sq Ft in New York)
Recommended Equipment Size:5.0 Tons (60,000 BTU)
New York Residential Electricity / Gas Rate:28¢/kWh | $1.78/therm
Cold-Climate Heat Pump (15-Yr Lifespan):$2,418/yr ($202/mo)
Winter Heating vs. Summer Cooling Split (Heat Pump):$2,257/yr Heat | $161/yr AC
Natural Gas Furnace + Central AC (18-Yr Lifespan):$1,843/yr ($154/mo)
Electric Baseboard + Window AC (25-Yr Lifespan):$7,287/yr ($607/mo)
15-Year Heat Pump Lifespan Net Savings vs. Baseboard:+$69,435
💰 Up to $2,600 Rebate
Compare NY Installer Quotes →
Compare 3 Local New York HVAC Installer Quotes
Verify 2026 Federal 25C Tax Credit & Con Edison / National Grid NY 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 New York home.
☀️ Offset 28¢/kWh
Model Solar + Heat Pump ROI →
New York Solar + Heat Pump Net-Zero Calculator
See how an 80%–100% rooftop solar net-metering array eliminates annual electric heating and cooling bills in New York.