Heat Pump vs Gas Furnace—Which Wins for Cedar Creek Lake Homes in 2025?

Quick Verdict

For most all‑electric homes on co‑op power ≤ 15.6¢/kWh, a high‑efficiency heat pump (17+ SEER2 / 10 HSPF2) now beats propane or older 80 % gas furnaces on lifetime cost—especially after the new 30 % federal tax credit.

Side‑by‑Side Comparison

Feature	Modern Heat Pump	96 % Gas Furnace
Up‑front cost (3‑ton)	$6,800–$9,000	$5,400–$7,200
Annual heating cost (1,500 hrs)	$640	$940 (propane $1.98/therm)
Cooling included?	✅	❌
IRA 2025 Tax Credit	Up to $2,000	None
Lifespan	12–15 yrs	15–20 yrs

When a Gas Furnace Still Makes Sense

• Natural‑gas line already present at < $1/therm.

• Need ≥ 45 k BTU heat below 25 °F with no auxiliary strips.

Why Heat Pumps Shine in Tool TX

• Mild winters rarely drop below 30 °F.

• Electricity co‑ops offer off‑peak rates.

• One system to maintain instead of two.

Next Steps

Not sure? We provide free load calculations & utility‑bill analysis.

Book My Free Assessment »