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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Heating & Cooling in Loretto, MN
Central Minnesota Heating and Cooling repairs and replaces furnaces, ACs, heat pumps and boilers in Loretto (Hennepin County), about 19 miles from downtown Minneapolis.
HVAC service in Loretto, MN
Only a few hundred homes make up Loretto, a city founded in 1886 and completely surrounded by the rural northwest corner of Medina, with County Roads 11 and 19 as its main streets.
- County
- Hennepin County
- ZIP code
- 55357
- Natural gas
- CenterPoint Energy
- Electric
- Xcel Energy
- From downtown Minneapolis
- about 19 miles
Updated October 27, 2026 · By Eric Brown, owner, Central Minnesota Heating and Cooling
What HVAC work do we do most in Loretto?
- Two-stage 96% furnace replacements sized for small single-story houses
- Duct repair on original trunk lines with open joints and crushed branches
- Central air added to early-1900s houses that never had it
- No-heat repairs on 15- to 25-year-old furnaces: igniters, inducers, pressure switches
Around town: County Road 19 · County Road 11 · Highway 55
Book in LorettoWhat are Loretto homes like to heat and cool?
Loretto is almost all single-family, and its eras sort by block. The oldest houses date from the decades after the 1886 platting: frame story-and-a-halfs and two-stories with steep roofs and small upstairs bedrooms, built long before gas service reached town. The forced-air systems that later replaced their original heat were fitted into whatever headroom and chimney location the old basement allowed, so furnaces sit in odd corners and supply runs to the second floor are few.
Postwar ramblers fill most of the remaining lots, with a few newer homes mixed in. The ramblers keep things simple: one trunk line, a furnace near the chimney or an outside wall and a condenser beside the house. Because Loretto is surrounded by Medina's farmland instead of other suburbs, many lots on the edge of town back onto open fields, and the prevailing northwest wind in winter hits those houses hard. Mature trees in the older blocks give the in-town houses more shelter than the edges get.
What goes wrong with heating in Loretto in winter?
Open fields around Loretto leave edge-of-town houses exposed to west and north winds. In the older story-and-a-halfs, heat collects in the upstairs bedrooms while the main floor runs cool, and cold air pours off old windows onto the floor. With so many furnaces here 15 to 25 years old, weak igniters and tired inducer motors show up in the first cold week.
What goes wrong with cooling in Loretto in summer?
Loretto has no lake, so summer humidity comes with the weather, and July dew points can make both an undersized and an oversized air conditioner miserable to live with. Many of the early-1900s houses never got central air, and window units are common upstairs. When a small house adds central air to an existing furnace, check the ductwork first: old trunk lines with open joints lose cool air into the basement instead of the bedrooms, and a single return can't pull the upstairs heat back down.
Which utilities and rebates apply in Loretto?
Two sets of rebates are in play. CenterPoint's heating rebates cover high-efficiency furnaces, boilers and thermostats, with any dealer. Xcel covers central AC, heat pumps and mini-splits, and many of those need an Xcel-registered contractor, so ask before choosing equipment. If you're looking at acreage just outside town in Medina, expect propane instead of gas, and the electric provider may change too.
Rebate programs change every year; check the utility's current terms before you buy. Our guides: Xcel and CenterPoint rebates, heat pump rebates, what happened to the federal credits.
Most-requested in Loretto
Furnace repair in Loretto The ductwork is usually older than the furnace, so a loaded filter shows up fast on a single trunk line with open joints. Furnace replacement in Loretto A new furnace in Loretto runs $4,500–$9,500 installed with us. AC repair in Loretto Add-on systems on heat-sized ducts also freeze coils, and the price is written first. AC replacement in Loretto Replacing central air in Loretto costs $5,200–$9,800 installed, depending on tonnage, efficiency and whether the coil and line set are replaced.
More HVAC services we offer
Loretto HVAC questions
Who repairs furnaces and air conditioners in Loretto, MN?
Central Minnesota Heating and Cooling, owned by Eric Brown and in business since 2009, serves Loretto and nearby towns in Hennepin County, about 19 miles from downtown Minneapolis. We're open 7 days, 7am–9pm, and no-heat calls get priority. Call 612-429-3465.
How much does an HVAC service call cost in Loretto?
An HVAC service call in Loretto is a flat $79 trip charge, waived when you approve the repair. You get a written price before any work. Installed prices are on our pricing page.
Is a modulating furnace worth it for a small Loretto house?
Often not. A modulating furnace earns its price in larger or leakier houses where the heat demand swings widely. In a small, single-story home, a correctly sized two-stage 96% furnace delivers nearly the same comfort for less money. Put the difference toward fixing the ducts, which is where many older Loretto homes lose the most comfort.
My Loretto furnace is over 20 years old and just quit. Repair it or replace it?
Repair or replacement depends on what failed. A dead igniter, flame sensor or pressure switch is a modest repair even on an older furnace, and we'll tell you so. A cracked heat exchanger, a failed inducer on a furnace past 20, or a string of repairs in one season usually points to replacement. You get a written flat-rate price for the repair before any work starts, so you can compare the two.
Our Loretto house backs onto open fields. Where should the new furnace vent go?
Snow drifts against the west and north walls of houses on the edge of town, so we keep the PVC terminations above the drift line, on the sheltered side wherever the manufacturer's clearances allow. A drifted intake plugs, the pressure switch locks the furnace out, and that is the usual cause of a no-heat call on a windy night.
Loretto is surrounded by Medina. Does that change permits or utilities?
Being surrounded by Medina changes who issues the permit, not our pricing. The permit comes from the city the house actually sits in, so a home inside Loretto and an acreage next door in Medina go through different building officials, even with the same mailing address. Gas and electric providers can change at the city line too, so we confirm the city and both utilities before quoting.
Also serving near Loretto
- Medina, MN 3 mi
- Maple Plain, MN 3 mi
- Independence, MN 4 mi
- Corcoran, MN 5 mi
- Rockford, MN 5 mi
- Long Lake, MN 6 mi
- Orono, MN 6 mi
- Hanover, MN 7 mi
Guides for Loretto homeowners
Boiler Replacement Cost in Minnesota (2026)
HomeGuide puts a gas boiler replacement at $4,000–$9,000. Minnesota factors: cast iron vs condensing vs combi, steam vs hot water, venting and radiators.
Read the guideHow Long Does a Furnace Last in Minnesota?
Most gas furnaces last 15–20 years, per Carrier and Lennox. See why Minnesota winters add wear, the end-of-life signs and our $4,500–$9,500 replacement range.
Read the guide- AC Replacement Cost in Minnesota (2026)Pricing
- Gas Line Installation Cost for a Furnace or HeaterHeating
- AC Refrigerant Recharge Cost in Minnesota (R-410A and R-22)Pricing
Brands we service in Loretto: Carrier · Trane · Lennox · Goodman · Rheem · Mitsubishi Electric · Daikin · American Standard · Navien · Weil-McLain · and every other major brand
Contact Us
Heat out in Loretto? Call or send a request.