HSPF2 and COP: Heat Pump Ratings for Minnesota Winters
HSPF2 is a seasonal average; COP is efficiency at one temperature. For a Minnesota winter, compare capacity and COP at 5°F. Our heat pumps run $7,500–$14,500.
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A ductless mini-split in Centerville costs $4,200–$12,500 installed, and a written flat-rate quote comes first. The most common job here is the bedroom over the garage that lags behind the rest of the house in January.
Centerville's 1980s and 90s two-stories and split-levels often have one room the ducts serve badly, and the garage-top bedroom is the usual suspect. The run is long, the floor is cold, and the register at the end gets whatever air is left. A single wall head in that room supplies its own heat and cooling, and it stops the thermostat downstairs from fighting a room it cannot satisfy.
Lower levels finished after the house was built are another place we put heads, as are older homes near Main Street where the ductwork was extended in stages and stops short of one wing. The outdoor unit needs a spot away from the property line and clear of snow drifts, and the line set should run neatly.
Updated October 27, 2026
Our $4,200–$12,500 installed price comes as a written flat-rate quote, with a 2-year labor warranty on top of the manufacturer's parts warranty. One head for the garage-top bedroom sets the low end, while finished lower levels built after the house add heads and lengthen the line-set runs. Compare central AC vs ductless costs.
Usually, yes. A bedroom over the garage is cold because of the unheated space under it and a long duct run, and a head supplies heat directly inside the room. Insulating the garage ceiling and sealing the floor joist ends helps too, and we say so if we see a problem. The mini-split then handles the room even when the main furnace cycles off.
The mini-split and furnace operate independently. The head heats and cools its own room, and your furnace and thermostat carry on for the rest of the house. You add capacity where the ducts fall short without touching the existing system. In the coldest weather the furnace still carries most of the house, and the head covers its room.
HSPF2 is a seasonal average; COP is efficiency at one temperature. For a Minnesota winter, compare capacity and COP at 5°F. Our heat pumps run $7,500–$14,500.
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