Heat pump installation cost in Saint Paul

A cold-climate ducted heat pump project often plans at $8,000 to $16,000 in the Twin Cities as of September 2026, with electrical upgrades, backup heat, duct changes, and panel capacity pushing higher. The quote should show low-temperature capacity, balance point, backup controls, and whether cooling is included. Incentives can change over time, so confirm current eligibility separately rather than treating a rebate as guaranteed. Compare total installed scope, not just the outdoor unit.