Help Paying for a New HVAC System

Help Paying for a New HVAC System

​Replacing your home’s HVAC system is one of the most important investments you can make for your comfort — but it’s also one of the most expensive. In Tempe, Arizona, a new heating and cooling system can cost anywhere from $6,000 to $14,000 depending on the type, size, and efficiency.
If your air conditioner or furnace just quit, you might be wondering — is there any help paying for a new HVAC system?
The good news is yes — there are several ways to get financial assistance, rebates, and flexible payment options that can make replacing your system more affordable. Let’s look at your best options for HVAC replacement help in Tempe, AZ.

1. Federal Tax Credits for Energy-Efficient HVAC SystemsOne of the most valuable forms of assistance comes from the federal government. Under the Inflation Reduction Act (IRA), homeowners can receive tax credits for installing high-efficiency HVAC equipment.
Here’s how it works:

• You can claim up to 30% of the installation cost, up to a maximum of $2,000 for qualifying heat pumps, air conditioners, or furnaces.
  
• Eligible systems must meet certain ENERGY STAR® efficiency standards.
  
• The credit can be claimed when you file your federal taxes for the year of installation.
  

💡 Pro Tip: When you replace your HVAC system, ask your contractor for documentation showing that your new system qualifies for the Energy Efficient Home Improvement Credit (25C).

2. Utility Company Rebates in Tempe, AZIf you live in Tempe, chances are your electricity is provided by SRP (Salt River Project) or APS (Arizona Public Service). Both offer rebates for energy-efficient HVAC systems.
SRP Cool Cash Rebate Program

• Earn up to $1,125 back when you install a qualifying high-efficiency AC or heat pump system.
  
• Your contractor must be an SRP-certified HVAC contractor.
  
• Rebates are applied after installation and inspection.
  

APS HVAC Rebate Program

• Offers up to $800 in rebates on new energy-efficient heat pumps and central air conditioners.
  
• You may also qualify for duct sealing rebates to improve your system’s performance.
  

💰 These rebates can make a big difference — and they often stack with federal tax credits for even greater savings.

3. State and Local HVAC Assistance ProgramsThe state of Arizona offers several programs to help homeowners with the cost of energy upgrades, especially for low-income households or those facing emergency HVAC repairs.
Arizona Weatherization Assistance Program (WAP)

• Helps low-income families improve energy efficiency.
  
• May include free or reduced-cost HVAC repair or replacement.
  
• Eligibility is based on income and household size.
  

Low-Income Home Energy Assistance Program (LIHEAP)

• Provides emergency assistance to cover heating and cooling costs.
  
• Some funds may be used for HVAC repair or replacement in certain cases.
  

You can apply for LIHEAP or WAP assistance through the Arizona Department of Economic Security (DES) or your local community action agency in Maricopa County.

4. HVAC Financing OptionsIf you don’t qualify for assistance programs, many homeowners choose HVAC financing to spread the cost over time.
At HVAC Tempe Pros, we offer flexible financing plans that make upgrading your system easier. Depending on your credit, you may qualify for:

• 0% interest promotional periods
  
• Low monthly payments
  
• No upfront costs
  

Financing allows you to replace your failing HVAC system right away while managing your budget comfortably.

5. Manufacturer RebatesTop HVAC brands like Trane, Carrier, Lennox, Goodman, and Rheem often run seasonal rebate programs. These rebates can range from $200 to $1,500 depending on the model and efficiency rating.
Your local HVAC contractor can help you identify which brands are currently offering promotions — and even assist with submitting rebate forms.

6. Home Improvement Loans and Credit OptionsIf you don’t qualify for utility or state assistance, you may still be eligible for home improvement loans through:

• Your bank or credit union
  
• FHA Title I loans for energy-efficient home upgrades
  
• Personal loans for home improvements
  
• Credit card promotions (0% APR for 12–18 months)
  

Each option has its pros and cons, so it’s best to compare interest rates and repayment terms before making a decision.

7. Why Invest in a New HVAC System?Even though replacing your HVAC system is a big expense, it’s also one of the smartest long-term investments for your home. A new, energy-efficient system can:

• Lower your monthly energy bills by 20–40%
  
• Increase your home’s resale value
  
• Improve comfort and air quality
  
• Reduce the risk of breakdowns during Arizona’s extreme heat
  

Plus, when you combine rebates, tax credits, and financing, your out-of-pocket cost may be much lower than expected.

8. How HVAC Tempe Pros Can HelpAt HVAC Tempe Pros, we understand that replacing your air conditioner or heat pump can be a financial challenge — especially when it fails unexpectedly.
That’s why we help homeowners find every available discount, rebate, and financing option to make their new HVAC system affordable.
Our team will:

• Help you apply for SRP or APS rebates
  
• Identify eligible tax credits
  
• Assist with financing applications
  
• Recommend the most energy-efficient units for your home and budget
  

📞 Call us today at 602-566-9684
🌐 Visit www.hvactempepros.com
We’ll help you find the most affordable path to a new HVAC system in Tempe, AZ.

Frequently Asked Questions About Help Paying for a New HVAC SystemQ1: What programs help pay for a new HVAC system in Arizona?
Homeowners can apply for LIHEAP, the Weatherization Assistance Program, or utility company rebates through SRP or APS to reduce costs.
Q2: Can I get financing for a new HVAC system in Tempe, AZ?
Yes. Many HVAC contractors, including HVAC Tempe Pros, offer flexible financing options with low monthly payments or 0% interest promotions.
Q3: Do energy-efficient HVAC systems qualify for tax credits?
Yes, under the Inflation Reduction Act, qualifying ENERGY STAR® systems are eligible for up to $2,000 in federal tax credits.
Q4: Can I combine rebates and tax credits?
Absolutely. You can stack federal tax credits, utility rebates, and manufacturer promotions to maximize savings.

Call HVAC Tempe Pros TodayDon’t let the cost of a new HVAC system keep you from staying comfortable. At HVAC Tempe Pros, we make it easier than ever to upgrade your system with rebates, credits, and easy financing.
📞 Call 602-566-9684 or visit www.hvactempepros.com
We’ll help you explore all your options for affordable HVAC replacement in Tempe, AZ!