Heat Pump Payback in Florissant, MO
Is a heat pump worth it in Florissant?
Florissant technically pencils out, but only past the point the equipment would need replacing anyway. $5,500 is what Florissant would pay extra to go electric rather than replace the furnace and AC with the same again. Lower bills claw that back: about $242 saved annually, for a payback of roughly 22.8 years. Florissant's own numbers say this pencils out only in theory, not in practice.
Compare against another city
Landed on Florissant by mistake, or want to compare it against somewhere else? Search the other 3206 cities below.
The climate behind Florissant's payback figure
Degree days tell the story here: Florissant racks up 3396 heating degree days each year (base 65°F), and summers are hot enough that cooling matters as much as heating, with 2013 cooling degree days on the cooling side. Sizing runs off the design temperature, not the average day: 1.9°F here (coldest 2024 reading -7.1°F), which works out to a seasonal COP of 2.75 for the cold-climate class of unit this climate calls for. A cold-climate unit is the right call in Florissant, below 25°F design temperature, a standard heat pump leans hard on electric-resistance backup, which erases most of the savings. These numbers come from Lambert-St Louis Internationa, the closest NOAA station, 4.1 miles out.
Florissant's running-cost comparison, in dollars
Electricity use for heating alone comes out to about 3,127 kWh a year on the 2000-square-foot reference house; folding in cooling puts the electric bill near $621 a year. That compares with roughly 35 Mcf a year of gas at Florissant's $14.94 per-Mcf rate, about $863 a year with the old AC included, against a local electricity rate of 12.83¢/kWh. Priced as a standalone purchase, with a working furnace ripped out early, payback would take longer than the 15-year equipment life. Measured against the like-for-like replacement instead, a household here ends 15 years $1,874 behind.
What would change Florissant's answer
This result holds unless electricity climbs above 23.6¢/kWh (it is 12.83¢ now) or gas drops below $8.11 per Mcf (now $14.94); past either point, gas becomes the cheaper fuel in Florissant. When quotes arrive, compare the heat pump price with a like-for-like furnace and AC replacement: at $242 a year saved, a difference under $1,694 pays back within 7 years here, and under $2,420 within 10.
If your home heats with electric baseboard instead of gas
Not every home in Florissant has gas service. Compared with baseboard or electric-furnace resistance heat, the numbers shift in the heat pump’s favor. Switching saves about $817 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 12.2 years.
Florissant against the rest of the country
Florissant lands at position 1794 out of 3206 cities on heating severity (coldest is 1), and 794 out of 3206 by population size (biggest is 1). That's the middle third for winter severity among the cities covered here.
What to do with this number in Florissant
About 51,290 people live in Florissant, Missouri, and every number on this page is what a contractor would actually work from when quoting a system here, the point isn't to replace that quote, it's to tell you whether to bother asking for one. Here, there's no cost penalty to waiting until your current furnace or AC actually needs replacing.
Get quotes from local HVAC contractors before deciding.
More on how this number was built
Every constant behind this page, the 2.75 seasonal COP, the degree-day corrections, the equipment costs, is documented in the methodology guide. Florissant's 1.9°F design temperature falls on the cold side of the 25°F cutoff the cold-climate unit guide walks through.