Heat Pump vs Gas Furnace Cost Calculator

Neither option is universally cheaper — it depends on your local electricity and gas prices, climate and equipment. Start from last winter’s gas use if you have it.

Results update as you type.

From utility bills. Exclude water heating and cooking if possible.

%
%

From the AHRI rating. HSPF2 is a seasonal average for a standard climate; colder climates see lower real efficiency.

$/kWh

Find this on your utility bill: total charges ÷ kWh used gives an all-in rate.

$/therm

How it’s calculated

  • Delivered heat = past gas use × old AFUE (or the demand you enter)
  • Heat pump seasonal COP = HSPF2 ÷ 3.412
  • Heat pump kWh = heat ÷ COP; furnace therms = heat ÷ AFUE
  • Cost = energy × your rate

Worked example

800 therms of past gas use in an 80% furnace; compare a 95% furnace and an HSPF2 7.8 heat pump at $0.17/kWh and $1.40/therm.

Inputs

How do you know your heating need?
From my past gas use
Past annual gas use for heating
800 therms
Efficiency of that old furnace (AFUE)
80 %
Annual heat demand (delivered)
50 MMBtu
New furnace AFUE
95 %
Heat pump HSPF2
7.8
Electricity rate
0.17 $/kWh
Natural gas rate
1.4 $/therm

Results

Heat pump yearly cost
$1,394.87
Gas furnace yearly cost
$943.16
Difference (furnace − heat pump)
$-451.71
Heat pump electricity
8,205 kWh
Furnace gas
674 therms
Heat pump seasonal COP used
2.29
Gas price where costs are equal
2.07 $/therm

Load this example into the calculator

Assumptions and limits

  • HSPF2 represents average seasonal performance for a standard climate region; actual COP varies with outdoor temperature.
  • Rates are constant all year.

Verify the result against the applicable local code, adopted code edition, manufacturer instructions and project requirements. See our methodology.

Questions

Is a heat pump cheaper to run than a gas furnace?

It depends on the ratio of your electricity to gas price and the heat pump’s cold-weather efficiency. Enter your own rates — the break-even gas price output shows where the two costs match.

What is HSPF2?

Heating Seasonal Performance Factor (2023 test procedure): seasonal BTUs of heat per watt-hour of electricity. Dividing by 3.412 gives an average COP.