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Replacing a heat pump and air handler in Waterford costs $8,499 to $21,650 installed. Electric heat covers about 23 percent of owner homes.
Price range
$8,499-$21,650
8yrs @ 7.99%
$120/mo
15yrs @ 9.99%
$91/mo
Monthly figures on the starting price, the whole price financed, on approved credit. The lender sets the final terms. How financing works
Get your price in writing
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5.0 stars across 1,132 reviews
One of our HVAC technicians with an electric heat strip kit, the backup heat inside a heat pump’s air handler.
Licensed and insuredVirginia Class A contractor #2705192276
24/7 emergency serviceOften same-day, and we will tell you honestly when we can get there.
Our own HVAC installersA dedicated heating and cooling team, separate from our plumbers
Price in writing firstYou see every option priced before anything is ordered
What it costs
The same price book as our heating page and the HVAC estimator, for a heat pump and air handler, 2 to 5 ton.
A heat pump system, outdoor unit and air handler, installed
$8,499 to $21,650
or $142/mo at 0% APR for 60 months
A gas furnace and air conditioner together, installed
$8,898 to $23,000
or $148/mo at 0% APR for 60 months
Diagnostic visit, when a repair may do
$99
Monthly figures: 60mo @ 0% APR on each starting price, the whole price financed, on approved credit. Longer plans lower the payment and cost more in total. The lender sets the final terms. How financing works
Might it be a repair? The diagnostic visit is $99, and the tech prices the repair and the replacement side by side. Financing is available, subject to approval.
With Comfort+ membership at $199 a year, the diagnostic visit is included, and half of each repair bill is banked toward replacing that system, up to $1,500.
What’s different in Waterford
Electricity heats about 23 percent of the owner homes in ZIP 20197, and the Census counts a heat pump as electric heat, so that is the pool of houses where one is most likely already running. There the job is like for like: an outdoor unit and an air handler, sized to the house. The median owner home dates to 1996, so an original system is near thirty. The estimator quiz prices a heat pump system once you tell it the house heats with electricity.
Propane heats more than half of Waterford’s owner homes. In those houses a heat pump usually takes the air conditioner’s place and works beside the furnace, carrying the spring and fall while the furnace picks up the coldest nights. A furnace and air conditioner replaced together run $8,898 to $23,000, so the heat pump price of $8,499 to $21,650 is the one to hold next to it when you decide which route fits the house.
The Purcellville station’s January average low is 24.5 degrees, and the high stays at or below 32 for 11.6 days a year. A heat pump keeps working below 32, but it gives less heat as the air gets colder, which is why a furnace or electric strips stand behind it. In January 2026, Western Loudoun sat under Extreme Cold Warnings on the 27th, 30th and 31st. Ask what backs the heat pump up on nights like those, and how big the strips are.
The Census puts oil at 17.2 percent of owner-home heat in the ZIP. Oil burners are outside our work, yet moving an oil house over to a heat pump system is a job we price. The county’s well count for the Waterford study area includes 3 heat pump wells, which are ground-source systems, and the prices here are for the outdoor unit and air handler kind. In the central village, the Waterford Historic District’s review committee approves most exterior changes first, and a new outdoor unit changes the outside.
By the numbers
From the Census Bureau’s 2020 to 2024 survey, owner-occupied homes unless it says otherwise. A heat pump counts as electric heat.
ZIP 20197 as a whole: every Waterford address, the village included. The Census place for the village alone has too few homes for steady figures.
When it’s time
A heat pump that hands the work to its electric strips whenever the weather turns is telling you the outdoor unit is not carrying its share. January 2026 brought Extreme Cold Warnings to Western Loudoun, and a defrost or refrigerant fault is cheaper to chase before a stretch like that than during it. A $99 diagnostic finds which it is.
It heats all winter and cools all summer, so it piles up hours an air conditioner never sees. Past 15 years, price the replacement beside any big repair.
Most heat pumps installed before 2010 hold R-22, which hasn’t been made since 2020. A leak on one is usually where recharging stops making sense.
Choosing who installs it
Questions to ask anybody who quotes you, us included.
In Waterford the answer is a propane furnace in many houses, electric strips in others, and a switch off oil in the rest. Backup decides how the thermostat is set and how the house gets through the coldest nights. An installer who prices the heat pump without asking is guessing about the part that matters most in January.
Copying the old nameplate repeats whatever guess was made when the house was built. The wrong size runs worse in both seasons.
A heat pump system is the outdoor unit plus the air handler inside. Ask whether the quote covers both, matched, in writing.
Set wrong, the electric strips run on mild days. Ask who programs the thermostat and at what outdoor temperature the strips may come on.
Two of our crew going over a work order before the day's calls.
From our Google reviews
5.0 stars across 1,132 reviews. Read them on our reviews page.
Ndung and Oscar were great. Everything went smoothly, and after the install they made sure to show me everything I needed to know about the new unit.
Where we work
Next door to Waterford: Paeonian Springs, Lovettsville, Hamilton, Leesburg and Purcellville.
Questions
In many houses, yes. The heat pump takes the spot where the air conditioner stood and shares the furnace’s ducts, so the propane runs only when the cold calls for it. Whether yours fits depends on the coil, the ducts and the thermostat, which the installer should check before quoting.
The range for a heat pump installed with its air handler is $8,499 to $21,650, and the HVAC estimator gets it down to your house. In ZIP 20197 oil heats roughly one owner home in six, and moving one of those houses to a heat pump is a job we price, though the oil burner itself isn’t ours to work on.
$8,499 to $21,650 installed for a heat pump system, the outdoor unit and the air handler, 2 to 5 ton. A small single-stage system lands near the bottom, a big variable-speed one near the top. The HVAC estimator narrows it to your house.
A heat pump system runs $8,499 to $21,650 installed; a gas furnace and air conditioner together, $8,898 to $23,000. No gas line usually means a heat pump. With gas, you can keep the furnace and add one; our heat pump vs gas furnace guide runs the numbers.
Ready when you are
Call, or send the form at the top. The price is in writing before the old unit comes out, and if a repair makes more sense, you’ll hear that first.
SwiftPro Heating, Cooling & Plumbing
4230 Lafayette Center Dr N, Chantilly, VA 20151
44679 Endicott Dr, Suite 211, Ashburn, VA 20147
Virginia Class A contractor license #2705192276
SwiftPro Heating, Cooling & Plumbing is a licensed, BBB Accredited (A rating), independently owned heating, cooling and plumbing company in Chantilly, serving Waterford and the rest of Northern Virginia. Virginia contractor license #2705192276. 5.0 stars across 1,132 reviews on Google, Angi, Yelp, the BBB and Facebook. SwiftPro maintains a dedicated HVAC team and a dedicated plumbing team.
From SwiftPro Heating, Cooling & Plumbing in Chantilly. Housing figures are the Census Bureau’s American Community Survey, 2020 to 2024, for each place named; permit, water and sewer facts link to each office’s own page and were checked in September and October 2026.