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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Ductless mini-splits in Crystal cost $4,200–$12,500 installed, written flat-rate, a fit for postwar Cape Cods and story-and-a-halfs. They fit the Cape Cods and story-and-a-halfs best, where one duct and no return leaves the upper floor warm in summer, and the basement has no room to grow.
Crystal's story-and-a-halfs and Cape Cods share a weakness. The upstairs bedrooms sit under the roof slope, and one duct feeds them, usually with no return up there. Cool air arrives and has nowhere to go, so the rooms stay warm. A mini-split head in the biggest upstairs room cools it independently.
The basements are another reason. When central air was added to Crystal's ramblers, it went on top of the furnace, and the low ceilings can leave no room for a larger replacement. Where a new coil won't fit, ductless cooling for the rooms that need it can avoid the problem.
Additions and finished basements often hang off the end of the original trunk line and get little air. A head on the wall serves them directly. A multi-zone outdoor unit can handle an upstairs bedroom and a basement room together, which keeps the yard uncluttered.
Updated November 10, 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. Cape Cods and story-and-a-halfs usually need one head for the biggest upstairs room under the roof slope, and an additional head if both upstairs bedrooms need cooling. Compare central AC vs ductless costs.
CenterPoint's heating rebates cover high-efficiency furnaces, and it pays toward a ducted air-source heat pump when it is paired with a gas furnace, the dual-fuel setup that suits Crystal's ramblers. Xcel's own heat pump rebates go through its Trade Partner Network, so ask whether the rebate needs a registered contractor. Rebate programs change every year, so check the utility's current terms before you buy.
Our guides: Xcel and CenterPoint rebates, heat pump rebates.
Often, if the upstairs is open or the bedrooms have doors that stay open. A head cools the room it is in and shares some air with the next one. If you have two separate bedrooms with doors closed at night, two heads give better results. We look at the layout and quote what the rooms need.
For some houses, if the layout is simple enough. Most ramblers have four or five rooms, so replacing central air with ductless takes several heads and costs more than a coil swap. It makes the most sense when the coil won't fit or the ducts are poor. We compare both in writing.
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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