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HeatSmart/CoolSmart Somerville

HeatSmart/CoolSmart Somerville
  • About HeatSmart / CoolSmart

  • Heat Pump FAQs

  • Pricing, Financing, and Savings

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Video: Hear from Mary, a Somerville resident, about her experience installing air source heat pumps.

More than 60 residents joined City staff, volunteers, consultants, and installers for the HeatSmart/CoolSmart Kick-off Workshop!

About 80 Somerville residents and property owners attended three Heat Pumps 101 workshops.

View the workshop presentations below for information about heat pumps.

Please note that the deadline for HeatSmart CoolSmart has passed, so any slides referencing special installer pricing is not applicable. Incentives offered by Mass Save® and Massachusetts Clean Energy Center discussed in the slides are subject to change.

View HeatSmart CoolSmart Air Source Heat Pump Infographic (PDF)

Thumbnail preview of the air source heat pump infographic links to full PDF

To stay up to date on City energy programs, sign up for the Somerville Energy Newsletter below!

More than 60 residents joined City staff, volunteers, consultants, and installers for the HeatSmart/CoolSmart Kick-off Workshop!

More than 60 residents joined City staff, volunteers, consultants, and installers for the HeatSmart/CoolSmart Kick-off Workshop!

View Presentation

What is an air source heat pump and how does it work?

Air source heat pumps are appliances that provide heating and cooling by moving heat into a building (for heating) or out of a building (for cooling). Heat pumps do not create heat, they just move heat from one place to another.

They accomplish this by using a refrigerant that absorbs heat from colder air in order to move that heat into a space with warmer air – much the same way that a refrigerator or air conditioner works except that it can move heat in both directions. A cold climate air source heat pump can do this even when the winter air is well below freezing: today’s cold climate air source heat pumps can extract heat from the air all the way down to -13°F. In the summer, the process is reversed and heat is absorbed from the cooler indoor air and moved to the warmer outdoor air.  

Since it takes far less energy to move heat than it does to create heat, heat pumps are one of the most efficient home heating systems available. 

All ductless air source heat pumps (heat pump) include an outdoor unit that will look similar to the unit below:

A typical heat pump, consisting of a boxy white frame similar to an air conditioning unit, is pictured on the side of a home.

Ductless air source heat pumps, sometimes referred to as mini-splits, will have one or more indoor units that mount high on an inside wall. The image below shows a typical air source heat pump indoor unit mounted on a wall.

An indoor heat pump unit hangs in from the ceiling in the corner of a home as its owner points a remote at it

Floor mounted wall heat pump, which resembles a much taller version of a standard baseboard heating vent

There are two primary types of air source heat pumps:

1. Ductless air source heat pumps – Each ductless system includes one outdoor unit connected to one or more indoor units with small copper lines.

These systems often come with remote controls that allow you to use them for heating, cooling, dehumidification or as a ceiling fan. Because each indoor unit can be controlled individually, you can reduce your energy use even more by lowering the temperature in rooms that are not being used.

Ductless air source heat pumps are the most efficient air-source systems and are often installed in homes and offices to supplement existing systems, usually in the most frequently used rooms like family rooms or bedrooms or hallways that can reach multiple rooms.

2. Ducted air source heat pumps – A ducted system has an outdoor unit that is connected to a building’s ductwork, much the same way that a furnace is connected to a home’s ductwork. With an air source heat pump, the system is not creating heat, but rather moving it from the outdoor air inside so that the air handler in your ductwork can circulate it throughout the building.

What are the benefits of using an air source heat pump?

There are many reasons why an air source heat pump could be a good fit for your home.

  • Energy savings: If you heat with oil, propane, or electric resistance heat, you could save hundreds of dollars a year on your heating bill by installing an air source heat pump.
  • High-efficiency cooling: Air source heat pumps also provide air conditioning or dehumidification and are more efficient than window units and most central air conditioning systems.
  • Increased resiliency: Efficiently cooling even one room in a home may be a life-saver for people at risk of dying from excessive temperatures during heat waves due to a warming climate.
  • Improved home comfort: In addition to providing cooling, heat pumps filter and dehumidify air, which can improve the air quality and comfort of your home.
  • Flexible options: Heat pumps are a flexible technology that can be installed in homes of all shapes and sizes with different needs—whether you need a whole-home system replacement, you wish to increase the efficiency of heating one part of your home or you wish to add extra heating for part of your home that’s never warm enough.
  • Lower your carbon footprint: As a clean heating and cooling technology, converting from burning fossil fuels to using an air source heat pump will help reduce your carbon footprint and dependence on imported fossil fuels. Consider cold climate air source heat pumps to be the cleaner alternative to natural gas!

Homeowners heating with oil, propane, or electric resistance: If you’re looking to replace your oil or electric heating with a cheaper, more efficient system—or if you’re looking for a way to get affordable, efficient cooling—heat pumps could be a great fit for your home or business. Air source heat pump offers a clean, lower-carbon alternative to a gas conversion.

Homeowners that heat with gas: A heat pump can still be a great option for cooling your home if you don’t have central air conditioning. Also, if you have a particularly cold spot or room in your home in the winter, a single heat pump can be a very efficient space heater (while also providing cooling!)

Homeowners with Solar PV: If you have a solar PV system, a heat pump can be a great addition to your home or business: heat pumps are highly-efficient heating and cooling systems that are powered by electricity. When combined, it means the electricity powering your heat pump is being generated by the sun—for free! These two technologies are often used together in creating “net-zero energy” homes—or homes that generate the same amount (or more!) of the energy they use over the course of the year.

Why are air source heat pumps referred to as a “clean” or “renewable” heating/cooling system?

Air source heat pumps are sometimes said to be “renewable” or “clean” heating and cooling systems because they do not create heat, but rather they move heat – a renewable resource found throughout the environment – from one place to another. This process is powered by electricity, which can also be sourced from renewable sources like solar, wind, or hydro.

About 12% of Massachusetts’ electricity sold by utilities is currently generated by renewable electricity (by law this has to increase 1% every year) and air source heat pumps generate fewer emissions per unit of heat than traditional home heating systems.

If you have solar on your roof or purchase green power, the energy you’ll be using to heat and cool your home will be virtually carbon-free!

How do the annual maintenance costs of an air source heat pump compare to other heating systems?

Annual system maintenance, which consists of cleaning air filters and an annual maintenance checkup for the outside unit, costs about the same as annual servicing charges for a boiler or furnace.

What is the lifespan of heat pumps?

Heat pumps have an expected lifetime of about 15 years—similar to the average furnace or air conditioner.

How complicated is installing a heat pump? How much time will it take?

A ductless air source heat pump can be installed in less than a day.  It entails mounting indoor units on brackets attached to inside walls, running copper lines through a 3-inch hole in an outside wall to the outside unit and mounting the outside unit on a stand or on a bracket attached to the outside wall. Installers should assess whether there are any issues in your home that could cause an installation to take more than a day.

How well do heat pumps work in the middle of winter?

The newer cold climate heat pumps installed through HeatSmart/CoolSmart and supported by state rebates are designed to be used in a New England winter, providing efficient heating all the way down to 5°F while still continuing to provide useful heat all the way down to -10°F or lower.

On some of the colder days, your heat pump might not put out as much heat and you may need to use some backup heat to help keep warm. As such, the installer will keep your existing heating system in place (or install a backup) for the coldest days of the year.

Nervous about heat pumps shutting down in February? Don't be!

Mainers and Vermonters have installed the most cold-climate heat pumps out of any New England state in the past few years—over 30,000 since 2013, and both states are significantly colder than Somerville in the winter!

Rest assured that our installer will ensure that your heat pump and backup heating system are configured to ensure that you aren't left shivering mid-winter!

Are there drawbacks to heat pumps?

A whole-home heat pump system will cost more than a typical furnace or boiler – closer to the cost of a furnace or boiler in addition to a central air conditioning system. However, if you heat with oil, propane, or electric resistance, you can expect the energy savings from your heat pump system to pay back the added cost over the course of several years.

Learn more about the rebates and 0% interest HEAT Loan available to help offset the added costs at the Pricing, Financing, and Savings tab.

Are there alternative designs available for homeowners concerned with aesthetics?

For homeowners that might not have suitable wall space or don’t like the aesthetic look of the wall-mounted indoor unit, floor-mounted and ceiling-mounted units are also available, though these units cost more to install.

If you have a furnace (and ductwork), ducted air source heat pumps can connect directly to a building’s ductwork so there are no indoor wall units to be seen. When you schedule a site visit with one of our installers, ask them about what options will be available to you to make the heat pump indoor unit looks less intrusive.

How do air source heat pumps work with Somerville Energy Efficiency Now (SEEN)?

Somerville Energy Efficiency Now (SEEN) is a City program designed to help homeowners, landlords, and tenants make energy efficiency upgrades to save money on their energy bills. SEEN can help you to access a free Mass Save® Home Energy Assessment, which can help you identify opportunities to make your home more efficient.
The best way to save money on your energy bill, be more comfortable year-round, and reduce your carbon footprint is to combine:

  1. Reducing the amount of energy your building uses through weatherization upgrades like insulation and air sealing; and
  2. Replacing your inefficient heating and/or cooling system with a high efficiency, cold climate heat pump.

SEEN can help you to reduce the amount of energy you use, while HeatSmart/CoolSmart can help you use a more efficient, cleaner system for heating and cooling.

If you haven’t already completed a home energy assessment, we strongly recommends that you do so, as completing home efficiency and weatherization improvements before installing a heat pump is critical to making sure the heat pump performs well and is properly sized for your home heating needs.

Why is the City promoting heat pumps?

The City of Somerville is one of the leading cities in the nation in the fight against climate change. About half of the greenhouse gas (GHG) emissions that contribute to climate change from within our city comes from heating and cooling buildings. To meet our goal of becoming a carbon neutral city by 2050, we’ll need to find ways to “decarbonize” our heat (as well as our electricity supply and transportation). While fuels like natural gas are “cleaner” than oil and propane, natural gas alone won’t get us all the way there.

Heat pumps offer one of the best ways to accomplish our goals: heat pumps already provide a reduction in emissions compared to natural gas today even though our state grid is still mostly powered by fossil fuels. As Massachusetts’ electricity grid becomes more and more renewable (under state law), the emissions of heat pumps will continue to decrease.

Additionally, as our planet’s temperature warms, air conditioning will be more and more in demand as summers get hotter, wetter, and longer. Heat pumps also offer one of the highest-efficiency options for cooling—on par with the highest-efficiency air conditioners on the market.

Heat pumps can help the City reach its GHG emissions reduction goals while also saving Somerville residents and businesses money on energy bills and keeping them more comfortable year-round.

How much will these heat pumps cost?

HeatSmart/CoolSmart has worked with New England Ductless and N.E.T.R. to develop a standard base pricing sheet for each heat pump model for the average home. Larger homes and homes with less insulation will typically require larger or more heat pump units. However, each home in Somerville is different, so your final quote may differ from the price described in the pricing sheet.

In general, for a base price you can expect to pay $3,729-$5,361 for a single heat pump (e.g. in your living room/kitchen, master bedroom) or $8,003-$16,554 for systems with multiple indoor units. Completing home weatherization improvements prior to installing a heat pump can reduce the size and number of indoor units you’ll need to install (and the cost!).

Please note that every home is different and the pricing varies for every project.

Come to a Meet the Installer event to learn more about pricing and what you can expect to pay. (View calendar)

How does HeatSmart/CoolSmart offer a discounted price?

The HeatSmart/CoolSmart organizers have negotiated a discounted price with the program installers, New England Ductless and N.E.T.R. The HeatSmart/CoolSmart program’s outreach and volunteer team, led by Coach and Somerville resident Molly, will help these installers acquire and qualify customer leads. As our installers will gain business from Somerville residents and businesses and save time and money in the process, they are able to offer a discounted price through HeatSmart/CoolSmart. The City of Somerville has worked with them to ensure that these savings are passed on to the customer. Based on market data provided by the Massachusetts Clean Energy Center, we expect that customers may see up to a 10-15% discount from the Boston/Somerville/Cambridge regional average!

Available Incentives

Rebates are available for air source heat pumps in Massachusetts from both the Massachusetts Clean Energy Center and Mass Save. You can receive rebates from both organizations as long as you meet the eligibility requirements.

Massachusetts Clean Energy Center: Clean Heating and Cooling Program

The Massachusetts Clean Energy Center (MassCEC) provides rebates for ASHPs through its Clean Heating and Cooling program. All of the systems that New England Ductless and N.E.T.R. will install through HeatSmart/CoolSmart will be eligible for rebates. Residents, businesses, and non-profits in Somerville are all eligible for this rebate.

The rebate you receive will depend on the type and size of the system you install (click here for a complete explanation of the size of rebate you can expect to receive). In general, you should expect to receive a rebate equal to approximately 15% of the cost of your heat pump system. MassCEC will also increase the size of your rebate depending on your household’s income and current heating system:

  • If your household makes less than 120% of the state median income ($130,775 for a family of four), your rebate will increase by 28%.
  • If your household makes less than 80% of the state median ($87,183 for a family of four) and you’re currently heating with electric resistance heating, this rebate will more than double!

In order to receive a MassCEC rebate, you will need to have completed an energy audit within the past four (4) years—or complete an audit in the next 6 months (unless you live in a condo or apartment with 5 or more units). If you have not completed a home energy assessment (e.g. free assessments through Mass Save), connect with your installer (New England Ductless or N.E.T.R.). To schedule your assessment, call 866-527-SAVE or sign up online to be contacted by a representative at

If you haven’t already completed a home energy assessment, HeatSmart/CoolSmart strongly recommends that you do so, as completing home efficiency and weatherization improvements before installing a heat pump is critical to making sure the heat pump performs well and is properly sized for your home heating needs.


Mass Save®: Mini-split Heat Pump Rebate

Mass Save®, Massachusetts’ utility energy efficiency program, provides rebates for ductless mini-split ASHPs. Through the Mass Save program, you can receive rebates of $100 or $300 per indoor unit depending on the efficiency of the system. Learn more here about how the Mass Save rebate will apply to heat pumps that will be installed through HeatSmart/CoolSmart. In general, this means that single-zone units will be eligible for the $300 rebate while multi-zone units will only be eligible for the $100 rebate.

City of Somerville $100 Gift Card Bonus

The City of Somerville is providing a special incentive of $100 gift cards for the first 50 homeowners or businesses that sign a heat pump contract with N.E.T.R. or New England Ductless through HeatSmart/CoolSmart. We’ll regularly update the program website to let you know how many more special incentives are available.

Accessing this rebate is simple and takes three steps:

  1. Sign a contract  N.E.T.R. or New England Ductless through HeatSmart/CoolSmart.
  2. Complete a Mass Save no-cost Home Energy Assessment within the past 4 years or have one scheduled within the next 6 months.
  3. Make one post to social media about the HeatSmart/CoolSmart program (e.g. Facebook, Instagram) @SomervilleCity #HeatSmart #CoolSmart.

How to receive your rebate:

  1. If you’ve completed all of the steps required for the MassCEC rebate (including the home energy assessment), just forward your approved MassCEC rebate application and contact information (name, address, email, phone number) along with a screenshot of your social media post to [email protected] with subject line: “Gift Card Bonus”. Or drop off documentation with your contact information to:
                   City of Somerville
                   ATTN: Christine Andrews, Housing Division
                   50 Evergreen Ave.
                   Somerville, MA 02145
  2. Once your application is approved, a City staff member will contact you to schedule a time to pick up the gift card.

Available Financing

Mass Save® HEAT Loan

All heat pumps installed through HeatSmart/CoolSmart are eligible for the Mass Save® HEAT Loan, a 0% interest, 7-year loan of up to $25,000. That equates to monthly payments of about $120 for a $10,000 system!

Learn more about how to apply for heat loan program financing here.

City of Somerville Home Rehab Program

The City of Somerville offers 0% interest, deferred payment loans to Somerville property owners earning less than 80% area median income. These loans can cover a wide range of repairs and improvements, including air source heat pumps. For more information, call 617-625-6600 ext. 2569. (View Maximum Income Limits)

How can I make sure I understand and receive all rebates and incentives that apply to my system?

Our HeatSmart/CoolSmart installers, New England Ductless and N.E.T.R. have assisted many customers in applying for rebates and will make sure that you fully understand all applicable rebates and how to obtain them before providing you with a quote (that does not include the rebates).

In addition to explaining the details and answering questions during your site visit, the installer is also able to help you complete and submit the paperwork required to process your rebates. Ask New England Ductless or N.E.T.R. whatever questions you have—or come to one of the many HeatSmart/CoolSmart events to learn more.

How much could I potentially save?

Everyone’s heating (and cooling) bill is different—so the amount you could save on energy will vary depending on a number of factors, including what fuel you currently use to heat your home, how well insulated it is, what size and shape your home is, what temperature you keep your thermostat at, how many heat pump units you install, and more.

In general, the most important factor is what fuel you currently use to heat your home. If you heat with electric resistance or propane, you’ll probably see the most energy savings—anywhere from $500 a year to over a $1,000, depending on how much you currently pay. If you heat with oil, your savings will be a bit lower due to the historically low oil prices, but these savings will still be more than enough to cover the cost of the system over time.

If you heat with gas, heat pumps will be most valuable to you if you need air conditioning: a heat pump system will be more efficient than most AC systems. Heat pumps are also installed in particular zones of your home (like your living room or master bedroom), so you could just heat the part of your home you’re currently in instead of heating your whole home.


To sign up to be contacted about a no cost, no obligation site visit by New England Ductless and N.E.T.R., Somerville's official HeatSmart/CoolSmart installers, please fill out the form below.

If you have any questions or are interested in volunteering, please contact Molly, the HeatSmart/CoolSmart Coach, at [email protected].


Check back soon for new events!