Heat Pump Payback in Anna, TX
Should Anna switch to a heat pump?
Anna technically pencils out, but only past the point the equipment would need replacing anyway. $5,500 is what Anna would pay extra to go electric rather than replace the furnace and AC with the same again. Anna's residents would see roughly $341 a year back in running costs, putting the payback around 16.2 years. That's a technicality, not a recommendation, for anyone actually living in Anna.
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Anna's weather, in the numbers that matter
Degree days tell the story here: Anna racks up 1985 heating degree days each year (base 65°F), and summers are severe enough that cooling can dominate the annual bill, with 2940 cooling degree days on the cooling side. 12°F is the figure equipment gets sized against here, the 99th-percentile cold snap, not an average day, with a low of 9°F in the 2024 station record. Worked through the model, that's a seasonal COP of 2.99 on the cold-climate unit fit for this climate. Mild on average, but the occasional cold snap is what sizes the equipment: at a 12°F design temperature Anna falls just under the 25°F line where a standard heat pump starts leaning on resistance backup, so the model prices a cold-climate unit to be safe. Source: NOAA station McKinney Municipal Airport, 11.1 miles from Anna, the closest one on record.
Anna's running-cost comparison, in dollars
A 2000-square-foot house here would pull roughly 1,681 heating kilowatt-hours annually on top of cooling, totalling about $676 a year on electricity. That compares with roughly 21 Mcf a year of gas at Anna's $19.42 per-Mcf rate, about $1,017 a year with the old AC included, against a local electricity rate of 16.15¢/kWh. If the current system still worked and you replaced it anyway, the full cost would take longer than the 15-year equipment life to earn back; against buying a new furnace and AC regardless, the 15-year total lands $392 behind.
How sensitive Anna's result is to prices
Gas would only overtake the heat pump in Anna if electricity rose past 106.3¢/kWh from 16.15¢, or gas fell under $2.95 per Mcf from $19.42. A useful quote test for Anna: the heat pump is worth it within a decade if it costs less than $3,410 more than replacing the furnace and AC, and within 7 years if the gap is under $2,387.
The other scenario: no gas furnace to begin with
Plenty of homes in Anna heat with electricity alone, no gas line involved. Against electric-resistance heat, baseboard or an electric furnace, both 100% efficient but still just resistance, the case for switching gets stronger here. Switching saves about $751 a year here, a heat pump moving heat rather than generating it needs far less electricity than resistance coils, so the extra $10,000 spent up front comes back in about 13.3 years.
Anna against the rest of the country
Among 3206 cities, Anna's winter puts it at rank 2433 for severity, while its size puts it at rank 1280 for population, 1 in both cases being the extreme. That's the mildest third of cities covered, where utility rates carry more of the answer than climate does.
What to do with this number in Anna
Anna, Texas is home to about 31,986 people, and the figures above are the same ones a local HVAC contractor uses to size and quote a system, this site doesn't guess where a real quote would land, it just tells you whether it's worth asking for one. In Anna, nothing is lost by holding off until the current equipment genuinely fails.
Get quotes from local HVAC contractors before deciding.
Where Anna's figure comes from
The methodology guide walks through exactly how Anna's 2.99 seasonal COP and the rest of this page's numbers get built. Anna's 12°F design temperature is below the 25°F line, which is why a cold-climate unit is the right call here, see what that changes in the cold-climate unit guide.