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Ductless systems provide year-round comfort at a fraction of the cost of electric furnaces and inefficient baseboard, wall and ceiling heat or electric furnaces.

Estimating Costs

Cost of Installation

The average cost of an installed ductless heating and cooling system with a single indoor heating/cooling head is between $3,000 and $5,000. Additional heads and greater heating and cooling capacities will increase the cost of the system. Other factors that will affect the cost of an installed system include manufacturer and model, refrigerant line-set length, difficulty of installation and contractor rates. Contact a qualified local installer who can provide you with an estimate for your home.

Annual Energy Savings

The Regional Technical Forum estimates that a ductless heating and cooling system in a single-family home with zonal electric heat saves 3,500 kWh annually. The average cost per kWh in the Northwest is $0.08, meaning a ductless upgrade can save you approximately $280 per year.


Many utilities in the Northwest offer customers cash incentives as high as $1,500 for upgrading an existing electric resistance heating system to a ductless system. Interest-free financing may also be available. Check with your local utility for details.
Visit our utility incentives page for a listing of incentives that may be available in your area.


The Montana Energy Conservation Installation Credit provides a tax credit for 25% of the cost of a ductless heating and cooling system, with a maximum credit of $500 per individual and up to $1,000 for a married couple filing jointly.


Effective January 1, 2013, qualified equipment is eligible for a $350 to $1,500 tax credit from the Oregon Department of Energy. To review qualified equipment and incentives for ductless systems, download the tax credit rates here.

Additional Resources

Visit the Database of State Incentives for Renewables & Efficiency for a comprehensive list of incentives that support energy efficiency in the United States.