Heat Pumps

Converting gas and electric rates to one comparable unit, cold-temperature COP, the cost of backup heat, and the order electrification pays off in.

Heat Pumps August 19, 2026 Heat Pump vs Gas Furnace: Find Your Breakeven COP Your gas rate and your electric rate decide the COP a heat pump must beat. The formula, worked on EIA state figures: yes in Washington, no in Minnesota. 10 min read

About this section

Three quotes for the same roof came back with three different payback figures — seven years, nine, and fourteen. Priya Raghunathan rebuilt all three in a spreadsheet to find where they diverged, and the spreadsheet turned into this site. She does not work in the energy industry and has never sold, financed, or installed a system. Every number here is traced to a utility tariff sheet, a regulator's decision, or a published standard, and the arithmetic is written out so you can redo it on your own bill.

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