# Is a heat pump worth it in Florida? Compare by electric utility

> As of November 2026: of 21 Florida electric utilities, a heat pump comes out ahead at any quote for 3,
> it depends on quotes for 18, and like-for-like comes out ahead for 0
> (typical 1,800 sq ft home replacing both furnace and AC).

- Florida average residential electricity: 15.4¢/kWh (EIA, last 12 months)
- Winter gas: $2.36/therm (EIA, Nov–Mar)
- Interactive page: https://meterwise.app/fl/

## What to know about the Florida numbers

- **Rebates not checked yet**: We haven't checked heat pump rebates in Florida yet, so the numbers here leave them out. Utility and state programs can take thousands off a heat pump, so ask your utility and your contractor what's available.
- **Some average prices**: 61% of Florida ZIP codes here are priced on a current utility tariff; the rest use the utility's average price from the U.S. Energy Information Administration (about two years old). Each utility page says which.
- **Time-of-use rates**: One utility's tariff here charge different prices by time of day. We assume heating and cooling use is spread evenly across the day, which can be off if most of yours falls in peak hours.
- **Regional fuel prices**: EIA doesn't publish a Florida price for every fuel: heating oil uses the regional average. Enter your own price if you heat with it.
- **Older gas price**: EIA's Florida residential gas price stops at December 2025. Enter your own price from a winter bill for a closer answer.

## Utilities

"Heat pump vs. furnace + AC" is the heat pump's yearly running cost difference (− = cheaper to run).

| Utility | Price/kWh | vs. state | Default fuel | Heat pump vs. furnace + AC | Verdict |
|---|---|---|---|---|---|
| [FPL (Florida Power & Light)](https://meterwise.app/fl/fpl-florida-power-and-light/heat-pump-vs-furnace/index.md) | 13.3¢ | -14% | electricity | −$140 | depends on quotes |
| [Duke Energy Florida](https://meterwise.app/fl/duke-energy-florida/heat-pump-vs-furnace/index.md) | 15.2¢ | -2% | electricity | −$230 | depends on quotes |
| [Tampa Electric Co](https://meterwise.app/fl/tampa-electric-co/heat-pump-vs-furnace/index.md) | 14.7¢ | -5% | electricity | −$200 | depends on quotes |
| [Sumter Electric Coop, Inc](https://meterwise.app/fl/sumter-electric-coop-inc/heat-pump-vs-furnace/index.md) | 13.1¢ | -15% | electricity | −$270 | depends on quotes |
| [Lee County Electric Coop, Inc](https://meterwise.app/fl/lee-county-electric-coop-inc/heat-pump-vs-furnace/index.md) | 13.5¢ | -12% | electricity | −$140 | depends on quotes |
| [Clay Electric Cooperative, Inc](https://meterwise.app/fl/clay-electric-cooperative-inc/heat-pump-vs-furnace/index.md) | 13.1¢ | -15% | electricity | −$310 | depends on quotes |
| [Withlacoochee River Elec Coop](https://meterwise.app/fl/withlacoochee-river-elec-coop/heat-pump-vs-furnace/index.md) | 12.3¢ | -20% | electricity | −$210 | depends on quotes |
| [Talquin Electric Coop, Inc](https://meterwise.app/fl/talquin-electric-coop-inc/heat-pump-vs-furnace/index.md) | 14.8¢ | -4% | electricity | −$460 | depends on quotes |
| [Orlando Utilities Comm](https://meterwise.app/fl/orlando-utilities-comm/heat-pump-vs-furnace/index.md) | 13.4¢ | -13% | electricity | −$200 | depends on quotes |
| [Peace River Electric Coop, Inc](https://meterwise.app/fl/peace-river-electric-coop-inc/heat-pump-vs-furnace/index.md) | 12.3¢ | -20% | electricity | −$180 | depends on quotes |
| [West Florida El Coop Assn, Inc](https://meterwise.app/fl/west-florida-el-coop-assn-inc/heat-pump-vs-furnace/index.md) | 16.4¢ | +6% | electricity | −$560 | heat pump ahead at any quote |
| [Choctawhatche Elec Coop, Inc](https://meterwise.app/fl/choctawhatche-elec-coop-inc/heat-pump-vs-furnace/index.md) | 13.2¢ | -14% | electricity | −$390 | depends on quotes |
| [Suwannee Valley Elec Coop Inc](https://meterwise.app/fl/suwannee-valley-elec-coop-inc/heat-pump-vs-furnace/index.md) | 15.0¢ | -3% | electricity | −$310 | depends on quotes |
| [Central Florida Elec Coop, Inc](https://meterwise.app/fl/central-florida-elec-coop-inc/heat-pump-vs-furnace/index.md) | 13.6¢ | -12% | electricity | −$350 | depends on quotes |
| [Florida Public Utilities Co](https://meterwise.app/fl/florida-public-utilities-co/heat-pump-vs-furnace/index.md) | 18.0¢ | +17% | electricity | −$620 | heat pump ahead at any quote |
| [Gulf Coast Electric Coop, Inc](https://meterwise.app/fl/gulf-coast-electric-coop-inc/heat-pump-vs-furnace/index.md) | 14.7¢ | -5% | electricity | −$510 | heat pump ahead at any quote |
| [City of Lakeland](https://meterwise.app/fl/city-of-lakeland/heat-pump-vs-furnace/index.md) | 11.4¢ | -26% | electricity | −$160 | depends on quotes |
| [Glades Electric Coop, Inc](https://meterwise.app/fl/glades-electric-coop-inc/heat-pump-vs-furnace/index.md) | 16.6¢ | +7% | electricity | −$180 | depends on quotes |
| [Gainesville Regional Utilities](https://meterwise.app/fl/gainesville-regional-utilities/heat-pump-vs-furnace/index.md) | 14.9¢ | -4% | electricity | −$410 | depends on quotes |
| [City of Tallahassee](https://meterwise.app/fl/city-of-tallahassee/heat-pump-vs-furnace/index.md) | 13.6¢ | -12% | electricity | −$450 | depends on quotes |
| [Florida Keys El Coop Assn, Inc](https://meterwise.app/fl/florida-keys-el-coop-assn-inc/heat-pump-vs-furnace/index.md) | 8.8¢ | -43% | electricity | −$50 | depends on quotes |

Data: https://meterwise.app/data/v1/utilities.json · Method: https://meterwise.app/about/index.md