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 Fridley costs $4,200–$12,500 installed, written flat-rate, for rooms the 1950s and 60s ductwork never served well. It suits rooms the 1950s and 60s ductwork never served well, and it also covers small shops or offices along Highway 65 that need one conditioned space.
Fridley's ramblers and split-entries were built with ducts sized for heat and few returns, and central air was added later. The result is predictable. A bedroom at the end of the run, a finished lower level or a room added in the 1970s gets little air in summer. A mini-split head in that room cools it without touching the ductwork.
Split-entries have a particular problem: the lower level sits half below grade and runs cool, while the upper level gets the sun. One thermostat sits between them. A head in the upper level lets you cool the sunny floor without overcooling the lower one.
Along Highway 65, University Avenue and East River Road, small commercial spaces such as a back office, a break room or a shop corner can be conditioned by ductless equipment without rooftop work. We do light-commercial mini-splits too, and we quote them in writing like any other job.
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. Rooms added in the 1970s need one head each, and a split-entry's half-below-grade lower level or a small Highway 65 shop can add a head or a separate unit. Compare central AC vs ductless costs.
Xcel's residential heat pump and AC rebates run 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.
It helps. A head on the upper level cools that floor independently, so the central system doesn't have to overcool the lower level to reach the upper one. It won't change the ductwork, but it removes the biggest complaint in most of these houses. We look at how the two levels are used first.
Yes. We do light-commercial service, including mini-splits for offices, retail and similar spaces. A back office or a shop corner is a typical job. Commercial heads are quoted flat-rate in writing, the same as a home install. Call 612-429-3465 to describe the space.
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.
Read the guideCentral AC ($5,200–$9,800) or ductless ($4,200–$12,500)? Which costs less to install in Minnesota depends on your ducts, with national ranges and close calls.
Read the guideDaikin vs Mitsubishi mini-splits for each room of a Minnesota home: bedrooms, living areas, porches and kneewall attics. Installs run $4,200–$12,500.
Read the guideHeat out? AC quit? Call or send a request.