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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Mini-splits in Mahtomedi run $4,200–$12,500 installed, with a written flat-rate quote. They suit porches, additions and cottage-era rooms on the old lakeside plats that the ductwork never reached.
The lakeside plats date from the late 1800s and early 1900s, when the village was mostly summer homes. Where an early cottage survives inside a later house, the old part usually sits over a crawlspace, the additions step up and down, and the ducts never reached every room. A ductless head heats and cools a three-season porch or an enclosed room without running a duct through the crawlspace.
Houses close to White Bear Lake also hold moisture, so we pay attention to where the indoor head drains and whether the room needs a dehumidifier in July. Farther from the water, the 1970s to 1990s basements sometimes have a finished lower level or an upstairs bedroom that the original ducts serve poorly, and one head fixes it.
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. The price follows how many porches and additions get heads, since ducts never reached every room, and damp air near White Bear Lake affects where each head drains. Compare central AC vs ductless costs.
Because Xcel's heat pump rebates may require a registered contractor, ask whether your installer qualifies before you sign. Rebate programs change every year, so check the utility's current terms before you buy.
Our guides: Xcel and CenterPoint rebates, heat pump rebates.
Symptom guides: Extreme cold · Blank thermostat · Hyper-Heat vs standard · Signs a mini-split makes sense for your house
On most days, yes. A cold-climate head keeps working well below zero, though its output shrinks as it gets colder. A porch with single-pane glass loses heat quickly, so we size for your coldest weather and tell you whether the room will hold living-room temperature on a deep-cold night or should be allowed to run cooler.
The refrigerant lines and drain can follow an interior wall or a closet to the outside, so nothing has to run through the crawlspace. Where a line must cross cold space, it is insulated and kept off the ground, and the condensate drain goes out through the wall or to a place that stays frost-free. We plan the route before drilling and show it in the quote.
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 guideMini-split or central air? In Minnesota it turns on your ducts and heat source. Installed with us, AC runs $5,200–$9,800 and ductless $4,200–$12,500.
Read the guideSEER2 replaced SEER on January 1, 2023 under a tougher DOE test, so numbers read lower. How it's measured, Minnesota's 13.4 minimum and what to buy.
Read the guideHeat out? AC quit? Call or send a request.