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

> As of November 2026: of 58 Texas electric utilities, a heat pump comes out ahead at any quote for 17,
> it depends on quotes for 41, and like-for-like comes out ahead for 0
> (typical 1,800 sq ft home replacing both furnace and AC).

- Texas average residential electricity: 16.0¢/kWh (EIA, last 12 months)
- Winter gas: $2.02/therm (EIA, Nov–Mar)
- Interactive page: https://meterwise.app/tx/

## What to know about the Texas numbers

- **Rebates not checked yet**: We haven't checked heat pump rebates in Texas 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.
- **Mostly average prices**: Only 30% of Texas 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, which is about two years old and doesn't show tiers, so the winter price of extra kWh is estimated. Enter the rate from a recent bill for a closer answer.
- **Partial city coverage**: Most Texans in the ERCOT grid pick a retail electricity plan, and plan prices vary widely. Our ZIP code data covers only part of the Dallas-Fort Worth and Houston areas (many ZIP codes there, including downtown Houston, are missing); where it does, pages are for the largest retail providers (TXU Energy, Reliant), priced on their average from about two years ago. Enter the energy rate from your own bill or plan facts label for a reliable answer.
- **Time-of-use rates**: 4 utilities' tariffs 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 Texas price for every fuel: heating oil uses the national average. Enter your own price if you heat with it.

## 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 |
|---|---|---|---|---|---|
| [Entergy Texas](https://meterwise.app/tx/entergy-texas/heat-pump-vs-furnace/index.md) | 14.2¢ | -11% | gas | −$210 | depends on quotes |
| [Xcel Energy (Southwestern Public Service)](https://meterwise.app/tx/xcel-energy-southwestern-public-service/heat-pump-vs-furnace/index.md) | 13.4¢ | -17% | gas | −$380 | depends on quotes |
| [TXU Energy (retail provider)](https://meterwise.app/tx/txu-energy-retail-provider/heat-pump-vs-furnace/index.md) | 18.7¢ | +17% | gas | −$250 | depends on quotes |
| [El Paso Electric Co](https://meterwise.app/tx/el-paso-electric-co/heat-pump-vs-furnace/index.md) | 13.5¢ | -16% | gas | −$350 | depends on quotes |
| [Southwestern Electric Power Co](https://meterwise.app/tx/southwestern-electric-power-co/heat-pump-vs-furnace/index.md) | 12.5¢ | -22% | gas | −$320 | depends on quotes |
| [Heart of Texas Electric Coop](https://meterwise.app/tx/heart-of-texas-electric-coop/heat-pump-vs-furnace/index.md) | 12.6¢ | -21% | electricity | −$490 | heat pump ahead at any quote |
| [CPS Energy (San Antonio)](https://meterwise.app/tx/cps-energy-san-antonio/heat-pump-vs-furnace/index.md) | 10.2¢ | -37% | gas | −$230 | depends on quotes |
| [Reliant Energy (retail provider)](https://meterwise.app/tx/reliant-energy-retail-provider/heat-pump-vs-furnace/index.md) | 17.4¢ | +8% | gas | −$200 | depends on quotes |
| [Bartlett Electric Coop, Inc](https://meterwise.app/tx/bartlett-electric-coop-inc/heat-pump-vs-furnace/index.md) | 16.1¢ | +0% | gas | −$260 | depends on quotes |
| [Pedernales Electric Coop, Inc](https://meterwise.app/tx/pedernales-electric-coop-inc/heat-pump-vs-furnace/index.md) | 12.2¢ | -24% | gas | −$290 | depends on quotes |
| [Austin Energy](https://meterwise.app/tx/austin-energy/heat-pump-vs-furnace/index.md) | 13.0¢ | -19% | gas | −$250 | depends on quotes |
| [Mid-South Electric Coop Assn](https://meterwise.app/tx/mid-south-electric-coop-assn/heat-pump-vs-furnace/index.md) | 14.1¢ | -12% | gas | −$230 | depends on quotes |
| [Grayson-Collin Elec Coop, Inc](https://meterwise.app/tx/grayson-collin-elec-coop-inc/heat-pump-vs-furnace/index.md) | 16.4¢ | +2% | gas | −$300 | depends on quotes |
| [Bluebonnet Electric Coop, Inc](https://meterwise.app/tx/bluebonnet-electric-coop-inc/heat-pump-vs-furnace/index.md) | 11.8¢ | -26% | electricity | −$410 | depends on quotes |
| [Denton County Elec Coop, Inc](https://meterwise.app/tx/denton-county-elec-coop-inc/heat-pump-vs-furnace/index.md) | 13.4¢ | -16% | gas | −$300 | depends on quotes |
| [Medina Electric Coop, Inc](https://meterwise.app/tx/medina-electric-coop-inc/heat-pump-vs-furnace/index.md) | 12.1¢ | -24% | electricity | −$310 | depends on quotes |
| [South Plains Electric Coop Inc](https://meterwise.app/tx/south-plains-electric-coop-inc/heat-pump-vs-furnace/index.md) | 12.7¢ | -21% | gas | −$380 | depends on quotes |
| [Rio Grande Electric Coop, Inc](https://meterwise.app/tx/rio-grande-electric-coop-inc/heat-pump-vs-furnace/index.md) | 18.5¢ | +16% | gas | −$220 | depends on quotes |
| [Guadalupe Valley Elec Coop Inc](https://meterwise.app/tx/guadalupe-valley-elec-coop-inc/heat-pump-vs-furnace/index.md) | 12.5¢ | -22% | electricity | −$340 | depends on quotes |
| [Karnes Electric Coop Inc](https://meterwise.app/tx/karnes-electric-coop-inc/heat-pump-vs-furnace/index.md) | 9.9¢ | -38% | electricity | −$260 | depends on quotes |
| [Central Texas Elec Coop, Inc](https://meterwise.app/tx/central-texas-elec-coop-inc/heat-pump-vs-furnace/index.md) | 11.0¢ | -31% | electricity | −$420 | depends on quotes |
| [Magic Valley Electric Coop Inc](https://meterwise.app/tx/magic-valley-electric-coop-inc/heat-pump-vs-furnace/index.md) | 10.2¢ | -36% | electricity | −$160 | depends on quotes |
| [Big Country Electric Coop, Inc](https://meterwise.app/tx/big-country-electric-coop-inc/heat-pump-vs-furnace/index.md) | 13.7¢ | -14% | gas | −$360 | depends on quotes |
| [Victoria Electric Coop, Inc](https://meterwise.app/tx/victoria-electric-coop-inc/heat-pump-vs-furnace/index.md) | 12.1¢ | -24% | electricity | −$310 | depends on quotes |
| [Bandera Electric Coop, Inc](https://meterwise.app/tx/bandera-electric-coop-inc/heat-pump-vs-furnace/index.md) | 12.4¢ | -23% | electricity | −$430 | depends on quotes |
| [Bowie-Cass Electric Coop, Inc](https://meterwise.app/tx/bowie-cass-electric-coop-inc/heat-pump-vs-furnace/index.md) | 12.6¢ | -22% | gas | −$350 | depends on quotes |
| [Lighthouse Electric Coop, Inc](https://meterwise.app/tx/lighthouse-electric-coop-inc/heat-pump-vs-furnace/index.md) | 14.6¢ | -9% | gas | −$470 | heat pump ahead at any quote |
| [Sam Houston Electric Coop Inc](https://meterwise.app/tx/sam-houston-electric-coop-inc/heat-pump-vs-furnace/index.md) | 12.6¢ | -21% | electricity | −$430 | depends on quotes |
| [Fayette Electric Coop, Inc](https://meterwise.app/tx/fayette-electric-coop-inc/heat-pump-vs-furnace/index.md) | 12.5¢ | -22% | electricity | −$390 | depends on quotes |
| [Lyntegar Electric Coop, Inc](https://meterwise.app/tx/lyntegar-electric-coop-inc/heat-pump-vs-furnace/index.md) | 9.0¢ | -44% | gas | −$470 | heat pump ahead at any quote |
| [Wise Electric Coop Inc](https://meterwise.app/tx/wise-electric-coop-inc/heat-pump-vs-furnace/index.md) | 15.6¢ | -3% | electricity | −$710 | heat pump ahead at any quote |
| [Comanche County Elec Coop Assn](https://meterwise.app/tx/comanche-county-elec-coop-assn/heat-pump-vs-furnace/index.md) | 15.5¢ | -3% | gas | −$300 | depends on quotes |
| [Concho Valley Elec Coop Inc](https://meterwise.app/tx/concho-valley-elec-coop-inc/heat-pump-vs-furnace/index.md) | 12.7¢ | -21% | gas | −$340 | depends on quotes |
| [Hamilton County Elec Coop Assn](https://meterwise.app/tx/hamilton-county-elec-coop-assn/heat-pump-vs-furnace/index.md) | 13.7¢ | -15% | electricity | −$560 | heat pump ahead at any quote |
| [Upshur Rural Elec Coop Corp](https://meterwise.app/tx/upshur-rural-elec-coop-corp/heat-pump-vs-furnace/index.md) | 12.4¢ | -23% | electricity | −$570 | heat pump ahead at any quote |
| [Greenbelt Electric Coop, Inc](https://meterwise.app/tx/greenbelt-electric-coop-inc/heat-pump-vs-furnace/index.md) | 18.0¢ | +12% | gas | −$310 | depends on quotes |
| [City of Lubbock](https://meterwise.app/tx/city-of-lubbock/heat-pump-vs-furnace/index.md) | 13.7¢ | -15% | gas | −$380 | depends on quotes |
| [San Patricio Electric Coop Inc](https://meterwise.app/tx/san-patricio-electric-coop-inc/heat-pump-vs-furnace/index.md) | 14.0¢ | -13% | electricity | −$340 | depends on quotes |
| [Deep East Texas Elec Coop Inc](https://meterwise.app/tx/deep-east-texas-elec-coop-inc/heat-pump-vs-furnace/index.md) | 13.1¢ | -18% | electricity | −$530 | heat pump ahead at any quote |
| [Tri-County Electric Coop, Inc (TX)](https://meterwise.app/tx/tri-county-electric-coop-inc-tx/heat-pump-vs-furnace/index.md) | 12.7¢ | -21% | electricity | −$530 | heat pump ahead at any quote |
| [City of Garland](https://meterwise.app/tx/city-of-garland/heat-pump-vs-furnace/index.md) | 13.5¢ | -16% | gas | −$320 | depends on quotes |
| [Houston County Elec Coop Inc](https://meterwise.app/tx/houston-county-elec-coop-inc/heat-pump-vs-furnace/index.md) | 16.6¢ | +4% | electricity | −$540 | heat pump ahead at any quote |
| [Southwest Texas Elec Coop, Inc](https://meterwise.app/tx/southwest-texas-elec-coop-inc/heat-pump-vs-furnace/index.md) | 13.6¢ | -15% | gas | −$290 | depends on quotes |
| [North Plains Electric Coop Inc](https://meterwise.app/tx/north-plains-electric-coop-inc/heat-pump-vs-furnace/index.md) | 10.2¢ | -37% | gas | −$650 | heat pump ahead at any quote |
| [Rita Blanca Electric Coop, Inc](https://meterwise.app/tx/rita-blanca-electric-coop-inc/heat-pump-vs-furnace/index.md) | 8.3¢ | -48% | gas | −$620 | heat pump ahead at any quote |
| [United Electric Coop Service Inc](https://meterwise.app/tx/united-electric-coop-service-inc/heat-pump-vs-furnace/index.md) | 13.0¢ | -19% | electricity | −$610 | heat pump ahead at any quote |
| [Cooke County Elec Coop Assn](https://meterwise.app/tx/cooke-county-elec-coop-assn/heat-pump-vs-furnace/index.md) | 14.0¢ | -13% | electricity | −$740 | heat pump ahead at any quote |
| [Lamar County Elec Coop Assn](https://meterwise.app/tx/lamar-county-elec-coop-assn/heat-pump-vs-furnace/index.md) | 13.7¢ | -14% | gas | −$340 | depends on quotes |
| [Navasota Valley Elec Coop, Inc](https://meterwise.app/tx/navasota-valley-elec-coop-inc/heat-pump-vs-furnace/index.md) | 15.8¢ | -2% | electricity | −$640 | heat pump ahead at any quote |
| [Lamb County Electric Coop, Inc](https://meterwise.app/tx/lamb-county-electric-coop-inc/heat-pump-vs-furnace/index.md) | 9.5¢ | -41% | gas | −$530 | heat pump ahead at any quote |
| [Nueces Electric Cooperative](https://meterwise.app/tx/nueces-electric-cooperative/heat-pump-vs-furnace/index.md) | 13.7¢ | -15% | electricity | −$300 | depends on quotes |
| [San Bernard Electric Coop, Inc](https://meterwise.app/tx/san-bernard-electric-coop-inc/heat-pump-vs-furnace/index.md) | 14.2¢ | -12% | electricity | −$440 | depends on quotes |
| [Bailey County Elec Coop Assn](https://meterwise.app/tx/bailey-county-elec-coop-assn/heat-pump-vs-furnace/index.md) | 8.8¢ | -45% | gas | −$600 | heat pump ahead at any quote |
| [Wharton County Elec Coop, Inc](https://meterwise.app/tx/wharton-county-elec-coop-inc/heat-pump-vs-furnace/index.md) | 13.4¢ | -17% | gas | −$220 | depends on quotes |
| [Taylor Electric Coop Inc](https://meterwise.app/tx/taylor-electric-coop-inc/heat-pump-vs-furnace/index.md) | 15.4¢ | -4% | gas | −$390 | depends on quotes |
| [Panola-Harrison Elec Coop, Inc](https://meterwise.app/tx/panola-harrison-elec-coop-inc/heat-pump-vs-furnace/index.md) | 9.4¢ | -41% | electricity | −$410 | depends on quotes |
| [Trinity Valley Elec Coop Inc](https://meterwise.app/tx/trinity-valley-elec-coop-inc/heat-pump-vs-furnace/index.md) | 11.3¢ | -30% | electricity | −$420 | depends on quotes |
| [HILCO Electric Cooperative, Inc.](https://meterwise.app/tx/hilco-electric-cooperative-inc/heat-pump-vs-furnace/index.md) | 14.9¢ | -7% | electricity | −$670 | heat pump ahead at any quote |

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