Installation cost factors

Installing a heat pump in a 120 m² home involves several factors that affect the overall budget, including the type of heat pump selected, the home’s insulation level, its geographical location, and its existing heating system. A poorly insulated house will require a more powerful unit, which increases both the equipment and installation costs, while a well-insulated home can use a smaller, less expensive system.

Types of heat pumps

Three main types of heat pumps are suitable for a 120 m² home: air/air, air/water, and geothermal (ground/water). The air/air model is the least expensive but cannot produce hot water. The air/water system is the most common for this size of home, as it can heat both the space and provide hot water. The geothermal system is more efficient but requires extensive earthwork, making it the most expensive option.

Recommended power range

For a 120 m² home, an air/water heat pump with a power range of 8 to 12 kW is typically recommended. The exact power needed depends on the home's insulation and the local climate. A well-insulated home in a mild area will likely need a smaller unit, while an older home in a colder region will require a higher power model.

Total cost components

The total cost of a heat pump includes the equipment, installation by a certified professional, and any additional work such as upgrading electrical systems or removing the old boiler. For an air/water model suitable for a 120 m² home, the total cost generally ranges from 8,000 to 15,000 euros, including taxes and installation. Geothermal systems can cost significantly more, often reaching 20,000 euros or more due to earthwork.

Importance of certified installers

A certified RGE (Reconnu garant de l'environnement) installer is essential for ensuring quality installation and accessing financial assistance. It is advisable to request multiple quotes to compare prices and ensure the proposed solutions meet the home’s specific needs.

Financial assistance in France

French households can benefit from several financial aids to reduce the cost of installing a heat pump. MaPrimeRénov', provided by the National Housing Agency (Anah), is the main assistance program, with amounts based on income and the type of equipment. Energy Savings Certificates (CEE) also offer direct payments or cost reductions, and these can be combined with MaPrimeRénov'.

Tax and loan benefits

Heat pump installations in homes over two years old qualify for a reduced VAT rate of 5.5%, instead of the standard 20%. A zero-interest eco-loan (eco-PTZ) can also help cover the out-of-pocket costs after applying for assistance.

Estimated out-of-pocket costs

Combining these financial aids can significantly reduce the out-of-pocket cost for a heat pump. For a modest-income household, the cost can drop to under 3,000 euros for a properly sized air/water model. For households with intermediate incomes, the cost ranges from 4,000 to 7,000 euros, depending on the specific configuration.

Importance of a thermal study

Before installing a heat pump, it is recommended to conduct a thermal study to determine the exact power needed. This helps avoid overdimensioning the equipment and ensures the system will be effective in the home’s specific conditions. A certified RGE professional can help with this process and assist in preparing the necessary documentation for financial aid.

Long-term benefits of heat pumps

Switching to a heat pump is a long-term investment that can significantly reduce energy bills. The operating costs are generally lower than those of gas or oil boilers, especially if the system is correctly sized and installed. Annual savings on heating bills help gradually offset the initial investment.