We earn commissions from qualifying purchases. This doesn't affect our rankings or reviews. How we review
Geothermal heat pumps are the most efficient home heating and cooling technology available. By exchanging heat with the earth (which stays at 10–16°C year-round), they achieve COP values of 4–5.5 — delivering 4–5× more energy than they consume. The higher upfront cost is offset by the lowest possible operating costs and a 30% IRA federal tax credit.
6 systems reviewed
Best for: Suburban lots with limited outdoor space
Best for: Rural properties with open land
Best for: Properties with well, pond, or river access
Geothermal heat pumps qualify for the IRA Section 25D residential energy credit at 30% of the total installed cost — including the ground loop and installation labor — with no dollar cap. On a $25,000 install, that's $7,500 back. This credit runs through 2032.
WaterFurnace
Heating
17.6 kW
Cooling
16.7 kW
COP heating
5.2
COP cooling
4.5
Borehole depth
90 m
Warranty
10 yr
$12,500 equipment
+$22,000 est. install
WaterFurnace
Heating
17.6 kW
Cooling
17 kW
COP heating
4.8
COP cooling
4.4
Borehole depth
90 m
Warranty
10 yr
$8,500 equipment
+$20,000 est. install
ClimateMaster
Heating
17.6 kW
Cooling
14 kW
COP heating
5
COP cooling
4.5
Borehole depth
90 m
Warranty
10 yr
$12,000 equipment
+$22,000 est. install
Carrier
Heating
14.7 kW
Cooling
14 kW
COP heating
4.7
COP cooling
4.5
Borehole depth
90 m
Warranty
10 yr
$9,500 equipment
+$22,000 est. install
GeoComfort (Enertech)
Heating
17.6 kW
Cooling
16 kW
COP heating
4.4
COP cooling
4.2
Borehole depth
90 m
Warranty
10 yr
$7,500 equipment
+$18,000 est. install
Bosch
Heating
14 kW
Cooling
14 kW
COP heating
4.6
COP cooling
4
Land needed
200 m²
Warranty
10 yr
$8,800 equipment
+$18,000 est. install
Payback period is typically 7–15 years depending on system cost, local electricity rate, and what it replaces (gas vs resistance electric). After payback, operating costs are 60–70% lower than gas heating. Ground loops last 50+ years; heat pump units 20–25 years.
Vertical loop: no land required beyond a small area for 1–3 boreholes (each ~15cm wide, 100–150m deep). Horizontal loop: roughly 400–700m² (about the size of a tennis court) of accessible land. Pond/open-loop: requires a suitable water source, typically a pond over 1,800m² or a well with 8+ gallons/minute flow.
Absolutely — this is the gold standard for net-zero homes. Solar covers the heat pump's electricity consumption during the day. A properly sized solar array can fully offset geothermal energy use, making your heating, cooling, and hot water effectively free.
Yes — ground temperature stays at 10–16°C year-round regardless of outdoor temperature. Unlike air-source heat pumps, geothermal performance doesn't degrade in -30°C winters. This makes it ideal for cold climates where air-source heat pumps may need auxiliary heat.