Mild winters, hot summers
Sacramento winters rarely stay far below freezing, which is where heat pumps work best. In summer they cool like any air conditioner.
Strong fit
Heat Pumps · El Dorado Hills, Folsom, Roseville & Sacramento
Heat Pump Installation
Heat Pump Installation
Done Right.
One system that heats and cools your home, runs on electricity, and may qualify for utility rebates. Call Senga and we'll tell you whether a heat pump is the right move for your house.
Not sure yet? That's a normal place to start. We'll walk through it with you.
Why heat pumps
Why Heat Pumps Fit Sacramento-Area Homes.
A heat pump isn't right for every house. For many homes in our region, the climate, the rebates and the roof line up.
One system, not two
A heat pump replaces both your AC and your furnace with one outdoor unit and one indoor coil. Less equipment to maintain and eventually replace.
SimplerPairs with rooftop solar
It runs on electricity, so solar can offset the power it uses. Senga installs solar and batteries too, so we can look at the whole home.
Works with solarRebates may apply
SMUD and Roseville Electric offer HVAC rebates. Amounts and rules change, so we check yours before you decide.
Depends on your utility
The honest comparison
Heat Pump vs. AC and Gas Furnace.
Both can be the right answer. Here is how we think about it when we're at your kitchen table.
A heat pump tends to win when
- You're replacing an AC and a furnace at the same time
- Your system is 12 to 15+ years old
- You have rooftop solar, or plan to add it
- You're a SMUD or Roseville Electric customer with rebates available
- Your home doesn't have gas service, or you want to move off it
AC and a gas furnace may still make sense when
- Your furnace is young and working well
- Your electrical panel would need a costly upgrade
- Gas is cheap for you and you don't have solar
- You only need to replace one failed component
Not sure?We'll run it both ways
Tell us about your home and we'll show you the numbers for each option. If a heat pump isn't the better move for you, we'll say so.
Call (916) 545-9053
What it costs
What Heat Pump Installation Typically Costs Here.
Typical ranges for the Sacramento region, before any utility rebates. Your home may land above or below them.
| Project | Typical range | What drives the price |
|---|---|---|
| Heat pump replacing a failed AC (ducts in good shape) | $7,000 to $12,000 | Home size, SEER2 rating, single-stage vs. variable-speed |
| Heat pump replacing an AC and a gas furnace | $8,000 to $15,000 | Tonnage, duct condition, attic or crawlspace access |
| Ductless mini-split, one room or addition | $3,500 to $7,000 | Number of zones and the length of the line set |
| Ductwork repair or sealing, if needed | $1,000 to $5,000 | Leaks, undersized runs, and how much needs replacing |
| Electrical panel or circuit upgrade, if needed | $1,500 to $4,000 | Existing panel capacity and distance to the unit |
Typical regional ranges, not a Senga quote. A mechanical permit and Title 24 verification are normally part of a replacement in California, so confirm whether a quote includes them. Compare itemized bids that specify the same SEER2 rating.
Rebates and incentives
What Utility Rebates Exist Right Now.
Which rebate applies depends on who sends you your electric bill. Programs change, so treat this as a map, then confirm before you sign.
Sacramento, Folsom, Elk Grove, Rancho Cordova & more
In 2026, SMUD has offered up to $3,000 for a qualifying gas-to-electric heat pump conversion and $1,000 for electric-to-electric upgrades. Requirements include a two-stage or variable-stage system meeting a 15.2 SEER2 minimum and installation by a SMUD Contractor Network member.
Confirm at smud.orgRoseville
Roseville Electric runs its own HVAC rebate program, separate from SMUD and PG&E. Call Roseville Electric at (916) 797-6937 to confirm current amounts and rules for your address.
Confirm with the utilityEl Dorado Hills, Cameron Park, Rocklin, Granite Bay, Auburn & more
PG&E-area homes have fewer direct HVAC rebates, and programs change often. We'll check what's available for your address before you decide.
Varies
What's goneCheck before you count on it
The federal 25C heat pump tax credit ended for systems installed after December 31, 2025. Some state programs have been waitlisted or fully reserved. If anyone promises an incentive, ask to see it in writing. Ask any contractor you're considering whether they're in the SMUD Contractor Network before you sign.
Ask about your address
Ductless mini-split
Types of heat pumps
Ducted, Ductless or a Hybrid.
Ducted heat pumps use the ductwork you already have. Ductless mini-splits serve additions, garages, offices and older homes without ducts. A hybrid setup keeps a gas furnace as backup while a heat pump handles most days. We'll match the type to your home, not the other way around.
- Ducted
- Ductless mini-split
- Hybrid with gas backup
Real homes, real installs
What a Heat Pump Looks Like at Home
A heat pump is a quiet outdoor unit on a small pad, and it pairs well with rooftop solar.
What a proper install includes
Sized to the House, Not to a Rule of Thumb.
A heat pump that's too big or too small never feels right. Here's what a good installation should include, and what we look at.
- A load calculation. Size set by your home's real heating and cooling needs, not by square footage alone.
- A ductwork check. Leaky or undersized ducts waste a share of what the system makes.
- An electrical check. Panel capacity, breaker size and the run to the outdoor unit.
- Permit and Title 24 verification. Required for replacements in California.
- Startup testing and a walkthrough. Tested before we leave, and explained so you know how to use it.
El Dorado Hills, CA
What homeowners say
Straight Talk Is How Senga Works.
4.7 on Google · Read reviews
All the benefits, all the risks, everything was put on the table. It allowed me to make an easy and informed decision.
The reps were super helpful in answering all of our questions and walking us through the whole process.
No money down and we couldn't be happier. It looks great and we would definitely use them again.
Verified Google reviews from Senga Energy customers. Same team, same approach, now for HVAC.
Senga Comfort Plan · Powered by Palmetto
Need a New System? Eligible Homeowners Can Get One for $0 Down.
Covered repairs and maintenance are included for the life of the plan. So the system stays the way it was the day it went in, and a breakdown is never a surprise bill again.
- $0 down
- Brand-new, high-efficiency HVAC
- Installation included
- Maintenance included
- Covered repairs included
- One predictable monthly payment
Checking your options uses a soft credit inquiry, so applying won't affect your credit score.
Available to eligible homeowners. Subject to approval and plan terms. Ask us for details when you call.
Under a minute, no jargon. See how the $0-down Comfort Plan replaces your system and covers it for the life of the plan. Watch on YouTube
sengaComfort PlanPowered by Palmetto
Serving Sacramento and the Foothills
Heat pump installation across the Sacramento region. Not sure we cover your street? Call and ask. See all service areas.
Questions
Straight Answers on Heat Pumps.
Don't see your question? Ask us on the phone.
Do heat pumps work in Sacramento's climate?
Yes. Sacramento's winters are mild, with nights that rarely stay far below freezing, which is where heat pumps are most efficient. Foothill towns like Placerville and Auburn run colder, but modern heat pumps handle those temperatures. In summer a heat pump cools exactly like an air conditioner.
How much does heat pump installation cost in Sacramento?
Most Sacramento-area heat pump installations run roughly $7,000 to $15,000 before incentives, depending on the size of the home, the condition of the ductwork and whether the electrical panel needs work. Ductless mini-splits for one room or an addition cost less. Get an itemized quote that lists the SEER2 rating, the permit and any duct or electrical work.
Are there rebates for heat pumps in Sacramento?
It depends on your utility. In 2026, SMUD has offered up to $3,000 for a qualifying gas-to-electric heat pump conversion and $1,000 for electric-to-electric upgrades, with requirements including a SMUD Contractor Network installer. Roseville Electric has its own program. PG&E-area homes have fewer direct HVAC rebates. Confirm current amounts with your utility before you buy.
Is the federal heat pump tax credit still available?
No. The federal 25C tax credit applied to heat pumps installed through December 31, 2025 and ended after that. Some state programs have been waitlisted or fully reserved, so confirm availability in writing before counting on any incentive.
Is a heat pump cheaper to run than a gas furnace and AC?
It depends on your rates and your home. Heat pumps move heat instead of creating it, so modern units are very efficient, but electricity usually costs more per unit of heat than natural gas. A heat pump pays off best with rooftop solar, utility rebates, or an aging air conditioner you were going to replace anyway. We'll run both options for your home.
What is the difference between a heat pump and an air conditioner?
An air conditioner only cools. A heat pump cools in summer and reverses to heat in winter, using the same outdoor unit and indoor coil. If you replace both an AC and a gas furnace with a heat pump, you have one system to maintain instead of two.
Will I need to upgrade my electrical panel for a heat pump?
Sometimes. Many homes have enough capacity, and some need a panel or circuit upgrade, which adds cost. We check your electrical during the home visit so the number you see up front is the real one. SMUD has offered a separate bonus for panel work tied to a gas-to-electric conversion.
How long do heat pumps last?
Most heat pumps last 12 to 15 years, similar to a central air conditioner. Annual maintenance helps them reach the long end of that range.
Can I pair a heat pump with rooftop solar?
Yes, and it's one of the best combinations. A heat pump runs on electricity, so solar can offset the power it uses for heating and cooling. Senga installs solar and batteries as well, so we can look at the whole home together.
What is the Senga Comfort Plan?
A $0-down way to get a brand-new, high-efficiency system with installation, maintenance and covered repairs included, for one predictable monthly payment. It's powered by Palmetto and available to eligible homeowners. Checking your options is a soft credit inquiry, so it won't affect your credit score.
Heat Pumps · Rebates · $0-Down Options
Let's See If a Heat Pump Fits.
Call Senga, tell us about your home, and we'll tell you honestly whether a heat pump makes sense, what it costs and which rebates apply to your address.
Call Senga Today (916) 545-9053Your home should feel comfortable. Getting help should feel easy.