About HeatSmart / CoolSmart
Heat Pump FAQs
Pricing, Financing, and Savings
HeatSmart/CoolSmart Participant Survey
About HeatSmart / CoolSmart
THE HEATSMART/COOLSMART PROGRAM ENDED ON FEBRUARY 15, 2018. PLEASE FIND INFORMATION ABOUT AIR SOURCE HEAT PUMPS BELOW.
Video: Hear from Mary, a Somerville resident, about her experience installing air source heat pumps.
About 80 Somerville residents and property owners attended three Heat Pumps 101 workshops.
View the workshop presentations below for information about heat pumps.
- August 22, 2017 Heat Pumps 101 Presentation
- October 4, 2017 Heat Pumps 101 Presentation
- February 6, 2018 Heat Pumps 101 Presentation
Please note that the deadline for HeatSmart CoolSmart has passed, so any slides referencing special installer pricing are not applicable. Incentives offered by Mass Save® and Massachusetts Clean Energy Center discussed in the slides are subject to change.
To stay up to date on City energy programs, sign up for the Somerville Energy Newsletter below!
Heat Pump FAQs
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:
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.
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:
- Reducing the amount of energy your building uses through weatherization upgrades like insulation and air sealing; and
- 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.
Pricing, Financing, and Savings
How much will these heat pumps cost?
Every home is different and the pricing varies for every project. In general, for a base price you can expect to pay between $3,500 and $5,500 for a single heat pump (e.g. in your living room/kitchen, master bedroom) or $8,000 and $19,000 for systems with multiple indoor units.1 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!).
Questions to ask your installer regarding the price:
- What are the prices for the following items, and are they included in the price quote?
- The heat pump indoor and outdoor units, as well as the labor costs for installing them
- 20 feet of piping to connect the indoor and outdoor units
- Mounting the system on the wall to keep the outdoor unit clear of snow2
- 12-year parts and compressor and 1-year workmanship warranties
- City permitting fees and labor costs for compliance
What factors could increase the cost of my system?
- The most common cost adders include:
- Additional piping to connect indoor and outdoor units. This could be significant for multi-zone systems with complex room layouts across multiple floors.
- Additional electrical work, such as an added electrical subpanel to meet the increased electricity demand a heat pump will require.
- Different indoor units, such as floor mounts, ceiling cassettes, and ducted indoor units will cost more.
- Additional labor costs for more complicated installations. Even though Somerville has a lot of similar three-deckers, the needs of each home and homeowner can be pretty different. This can lead to more complicated installations that will take more time to complete.
What are the permitting requirements for the City of Somerville?
Permitting requirements for air source heat pumps are different for every municipality. Please see the table below for a description of Somerville’s permitting costs. Property owners may apply for permits through the City of Somerville CitizenServe platform.
$19 for every $1,000 of project costs
Indoor wall switch
Varies by installer.
Right now, there are lots of incentives, rebates, and financing programs available for heat pumps - and we can’t guarantee they will last forever!
The Massachusetts Clean Energy Center just renewed its commitment to driving installations of heat pumps by providing rebates of up to $2,500 per household. Click here to learn more about how you might be eligible for a larger rebate. To receive rebates from both Mass Save® and the Massachusetts Clean Energy Center systems must meet the eligibility requirements.
The state utility program, Mass Save®, also offers hundreds of dollars of rebates for heat pumps as well as 0% interest financing through the HEAT Loan 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. View the maximum income limits for rehab programs online, or call 617-625-6600 ext. 2569 for more information.
View our Heat Pump Rebates Guide for more information.
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. The rebate you receive will depend on the type and size of the system you install, your current heating system, and annual income (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). To schedule your assessment, call 866-527-SAVE or sign up online to be contacted by a representative at somervillema.gov/seen.
The MassCEC rebate also has installer requirements. These are available on their website.
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. 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. Completing a Mass Save® no-cost Home Energy Assessment is not required to receive this rebate.
HeatSmart CoolSmart 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. If you believe you are eligible to receive this rebate, please contact the Housing and Environment Programs Office at 617-625-6600 ext. 2567, or email [email protected] so we can verify if you qualify.
Accessing this rebate is simple and takes three steps:
- Sign a contract with N.E.T.R. or New England Ductless through HeatSmart/CoolSmart.
- Complete a Mass Save® no-cost Home Energy Assessment within the past 4 years or have one scheduled within the next 6 months. Proof of this can be provided through notification your rebate application has been accepted by the Massachusetts Clean Energy Center. This shows us who your installer was, what system you installed, and that you completed a home energy assessment.
- Make one post to social media about the HeatSmart/CoolSmart program (e.g. City of Somerville (Official) Facebook) @SomervilleCity #HeatSmart #CoolSmart.
How to receive your rebate:
- 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, OSPCD Housing Division
93 Highland Avenue
Somerville, MA 02143
- Once your application is approved, a City staff member will contact you to schedule a time to pick up the gift card.
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 the HEAT loan here, or by calling 866-527-7283.
- Utility account number (If you are the investor-owner of a multi-unit property, complete one HEAT Loan application for the entire property using one account number.)
- Signed agreement (all pages) between you and the installer.
- Completed Intake Form that was given to your at the Home Energy Assessment. (You may check off additional items that were not initially marked during the Home Energy Assessment.)
- AHRI number for the unit(s) that you are installing. You may find these listed in the Rebates Guide.
- More information may be required.
Note: Mass Save only allows one HEAT Loan per property. If you had a HEAT Loan in the past, you may not add to it, or begin another.
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?
Ask your installer to explain the rebates and incentives to you while you are in the process of receiving a quote. Installers may also be able to help you complete and submit the paperwork required to process your rebates.
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.
1Based on analysis of 105 rebate submissions to MassCEC from the cities of Boston, Cambridge, and Somerville using the same heat pump models with all HSCS Somerville rebates included for the following Mitsubishi cold-climate air source heat pumps: Model Numbers MUZ-FH06NA, MUZ-FH09NA, MUZ-FH12NA, MUZ-FH15NA, MUZ-FH18NA2, MXZ-3C24NAHZ2 (2 indoor units), MXZ-3C24NAHZ2 (3 indoor units), MXZ-3C30NAHZ2, MXZ-4C36NAHZ, and MXZ-5C42NAHZ.. Sample size too small for FH06NA. Costs for 3C24NAHZ2 with 2 indoor units not documented.
HeatSmart/CoolSmart Participant Survey
If you participated in the HeatSmart CoolSmart program, we want to hear about your experience. By completing this survey, you will help the City of Somerville evaluate the HeatSmart CoolSmart program and help influence future energy programs.
Whether you attended a workshop, signed a contract, signed up but never completed a site visit, or completed a site visit and decided not to install, please take 5-15 minutes to complete the survey below. The deadline to complete this survey is Monday, March 12, 2018, 2018.
Check back soon for new events!
SOMERVILLE – An affordable re-sale homeownership opportunity is available for eligible households with income at or below 80 percent of the Area Median Income adjusted by household size and included in the table below. The two-bedroom condo at 88 Wheatland St.
Somerville's Assessment of Fair Housing Report Accepted by U.S. Department of Housing and Urban Development
SOMERVILLE – The City of Somerville recently received formal notification from the U.S. Department of Housing and Urban Development (HUD) that the City’s Assessment of Fair Housing Report has been accepted without conditions.
Affordable Homeownership Opportunities: 15 Income-Restricted Units @ Alloy in Assembly Row Coming Soon
Fifteen (15) homeownership units at Alloy in Assembly Row will be available within the next few months. If you haven’t already signed up to receive notifications, you can add your email or mailing address to the Inclusionary Housing Listserv by clicking
The Office of Housing Stability aims to serve as the central point of contact for individuals seeking housing opportunities or advice.
Members of the public are invited to attend the second public hearing hosted by the Board of Aldermen to discuss the updated proposal for a transfer fee home rule petition.
Community Forums to be Held to Discuss Somerville’s Plans for U.S. Housing and Urban Development (HUD) Programs
The Mayor’s Office of Strategic Planning and Community Development will hold two community forums to discuss the City’s 2018-2022 HUD Consolidated Five-Year Plan and 2018-2019 One-Year Action Plan for the Community Development Block Grant (CDBG) program, the Emergency Solutions Grant (ESG) progra
More than $1.9 million in federal grant funding has been awarded for homeless assistance programs in Somerville and Arlington through the federal Continuum of Care Program Competition, Mayor Joseph A. Curtatone announced this week.
The partnership will address the housing needs of the Metro Boston area, with a focus on housing production, diversity, cost, location, design and increasing stability for the region’s residents.
The Somerville Housing Department is calling on members of the community to help spread the word about this year’s annual survey of youth who do not have a stable place to live.
The home energy assessments help residents save on energy costs and include free energy saving equipment such as LED and CFL light bulbs, programmable thermostats, and smart power strips.