# Heat pump vs. electric furnace and AC on Gascosage Electric Coop rates (MO)

> **Quick answer** (updated 2026-11-10): As of November 2026, for a typical 1,800 sq ft electrically heated home on Gascosage Electric Coop electricity rates in Missouri that needs a new furnace and AC: A heat pump comes out ahead here even with a high quote: about $11,000 less than a new furnace and AC over 15 years at typical prices, and $800 a year less to run.

- Verdict: **heat pump ahead at any quote**
- Heat pump yearly running cost vs. a new electric furnace and AC: $800 less
- Break-even quote gap: the heat pump wins over 15 years if its quote is no more than $12,000 above the like-for-like quote
- Interactive calculator (change size, insulation, fuel, prices, ZIP): https://meterwise.app/mo/gascosage-electric-coop/heat-pump-vs-furnace/
- Machine-readable data: https://meterwise.app/data/v1/utilities/mo/gascosage-electric-coop.json

## Typical home: costs by option

1,800 sq ft, average insulation, heating with electricity, furnace and AC both need replacing.

| Option | Installed (typical) | Installed range | Rebates | Energy per year | 15-year total |
|---|---|---|---|---|---|
| New electric furnace + new AC | $10,410 | $7,530–$13,480 | – | $1,320 | $30,200 |
| Heat pump (replaces both) | $11,400 | $7,930–$14,870 | – | $520 | $19,200 |
| High-efficiency cold-climate heat pump | $14,870 | $10,900–$19,820 | – | $410 | $20,900 |

## Inputs

- Electricity: Gascosage Electric Coop's average residential price in MO (EIA), $0.123/kWh; the winter price of extra kWh is estimated at $0.080/kWh. Enter your own rate for a closer answer. Typical-bill price 12.3¢/kWh, -11% vs. the Missouri average of 13.9¢/kWh.
- Weather: Iberia, 4,760 heating and 1,314 cooling degree days a year (NOAA 1991-2020 normals).
- Gas: $1.46/therm (Missouri winter average, EIA); propane $2.18/gallon; heating oil $5.97/gallon.
- Homes in this utility's Missouri area heat with electricity 67%, propane 15%, gas 10%, other 8% (U.S. Census Bureau ACS 2019-2023).
- Installed prices: published study ranges, scaled for home size and Missouri HVAC installer wages (BLS).
- Rebates: not yet checked in Missouri, so not included.

## Common questions

**Is a heat pump worth it for Gascosage Electric Coop customers?**
As of November 2026, for a typical 1,800 sq ft electrically heated home on Gascosage Electric Coop electricity rates in Missouri that needs a new furnace and AC: A heat pump comes out ahead here even with a high quote: about $11,000 less than a new furnace and AC over 15 years at typical prices, and $800 a year less to run.

**How much does a heat pump cost to run on Gascosage Electric Coop's rates?**
About $520 a year for heating and cooling with the Heat pump (replaces both) option, against $1,320 for New electric furnace + new AC.

**What electricity price does this use?**
Electricity: Gascosage Electric Coop's average residential price in MO (EIA), $0.123/kWh; the winter price of extra kWh is estimated at $0.080/kWh. Enter your own rate for a closer answer.

## Method

Heating and cooling need from local weather, floor area and insulation; each option's efficiency (heat pumps lose
efficiency in the cold and use backup heat in cold months) turns that into kWh and fuel; electricity is priced
through the utility's tariff; installed costs come from published ranges. Full method: https://meterwise.app/about/index.md

Estimates for a typical home, not a quote or financial advice.

## Other Missouri utilities

- [Black River Electric Coop](https://meterwise.app/mo/black-river-electric-coop/heat-pump-vs-furnace/index.md)
- [Boone Electric Coop](https://meterwise.app/mo/boone-electric-coop/heat-pump-vs-furnace/index.md)
- [Carroll Electric Coop Corp](https://meterwise.app/mo/carroll-electric-coop-corp/heat-pump-vs-furnace/index.md)
- [Central Missouri Elec Coop Inc](https://meterwise.app/mo/central-missouri-elec-coop-inc/heat-pump-vs-furnace/index.md)
- [Citizens Electric Corporation](https://meterwise.app/mo/citizens-electric-corporation/heat-pump-vs-furnace/index.md)
- [Clay County Electric Coop Corp](https://meterwise.app/mo/clay-county-electric-coop-corp/heat-pump-vs-furnace/index.md)
- [Co-Mo Electric Coop Inc](https://meterwise.app/mo/co-mo-electric-coop-inc/heat-pump-vs-furnace/index.md)
- [Callaway Electric Cooperative](https://meterwise.app/mo/callaway-electric-cooperative/heat-pump-vs-furnace/index.md)
- [Consolidated Electric Coop](https://meterwise.app/mo/consolidated-electric-coop/heat-pump-vs-furnace/index.md)
- [Crawford Electric Coop, Inc](https://meterwise.app/mo/crawford-electric-coop-inc/heat-pump-vs-furnace/index.md)
- [Cuivre River Electric Coop Inc](https://meterwise.app/mo/cuivre-river-electric-coop-inc/heat-pump-vs-furnace/index.md)
- [Empire District Electric Co](https://meterwise.app/mo/empire-district-electric-co/heat-pump-vs-furnace/index.md)
- [All Missouri utilities](https://meterwise.app/mo/index.md)

## Cite this page

MeterWise, "Heat pump vs. electric furnace and AC on Gascosage Electric Coop rates (MO)", updated 2026-11-10, https://meterwise.app/mo/gascosage-electric-coop/heat-pump-vs-furnace/. Data licensed CC BY 4.0.