Payne Heat Pump Prices, Reviews and Buying Guide 2018

Payne heat pump

Note: Before you dive into the specific brand review, we highly recommend you to read our elaborate Heat Pump Buying Guide in advance, there are several crucial steps you need to take before you even start to think about the brand.

As a heating and cooling company, Payne has been in existence since the 1930s. Surprisingly, Payne began as an HVAC supplier but later started manufacturing its own heat pumps and other products. Payne mainly focuses on making heat pumps that are of high quality and are available at extremely low costs. Heat pumps made by Payne are among the most affordable in the market.

What’s the Difference? Carrier VS Payne VS Bryant


Carrier, Bryant and Payne are from the same company with 90%+ parts shared. But the price varies largely. Carrier is the high-end brand like Porsche and usually twice more expensive than Payne. Bryant is the middle-end brand like Audi and usually somewhat more costly than Payne. Payne (like Volkswagen) is the bottom line of Carrier and offer the reliable products with lower price.

Depending on the contractor’s feedback, Carrier/Bryant prefer to outsource parts but assemble the unit in America. However, all the Payne product lines are outsourced to Mexico. What’s more, Payne often offers 5 years(although official website shows 10 years) parts warranty which is not as competitive as Carrier/Bryant.

So is the Payne worth the money?

The answer is yes. According to the contractor’s feedbacks, Payne is still reliable if you can find a qualified contractor. Although Payne has a higher repair rate(less than 1% higher than Carrier), the half pricing of Carrier is still a good deal. Of course, if you don’t care so much about the price and only focus on high-quality unit and service, Carrier is a good option.


Actually, there is not an exclusive feature for Payne given that it is the low-end product of Carrier. We only list 3 worthful and popular features in heat pump industry.

SEER rating
For any heat to work efficiently, it has to have an energy SEER rating of above 13 which is the standard and above. Payne ensures that their heat pumps have a recommendable SEER rating. The higher the number of the SEER, the less amount of energy the heat pump uses to heat the house. Payne manufactures heat pumps of up to 17 SEER. Such high efficiency ensures that the consumer saves on energy bills and gets value for their money. The Payne PH16NA is a heat pump with a SEER rating 17.

Single and Two-stage operation
Payne heat pumps are available in both double and single stage operation. The main difference between the two Payne models is the comfort level as well as the prices. Double stage operation is the more preferred model between the two due to the high-performance level. With a double-stage Payne heat pump, the homeowner is able to regulate the temperature within which the heat pump operates in. therefore, the user of the heat pump an adjust the temperatures to work on the desired levels. On the other hand, a single stage operation Payne heat pump can only run at a single level. This kind of heat pumps is not common with users who live in extremely cold climate. A single stage operation heat pump always results in a situation whereby the house is too cold.

Noise level
The amount of noise made by a heat pump during its operation is a key reason to consider when deciding on the model of a heat pump to buy. Payne has always taken care of this cause by manufacturing units that are extremely quiet. A homeowner, therefore, does not have to worry about him or his neighbors being disturbed by the heat pump. For instance, the Payne PH16NA model operates at as low as 71 decibels making it among the quietest units. Additionally, PH15NB Payne model operates at 69 decibels, also a silent heat pump.

Model Analysis

ModelSEERHSPFSound LevelCompressorWarranty
PH16NA179.571 dbsTwo-Stage10-Year
PH16NC169.068 dbsSingle-Stage10-Year
PH15NB15.59.069 dbsSingle-Stage10-Year
PH14NB148.569 dbsSingle-Stage10-Year
PH13NB(discontinued in 2016)13869 dbsSingle-Stage5-Year

Quick Take-Aways for Models

When you’re looking for the most cost-effective heating, the strategy is to find the balance between furnace cost and energy costs. Let’s use the zone map to identify efficiency levels for each that strike that balance:


Suggested SEER and HPSF
Cost-effective Models
Zones 1 & 2 (hot)18-19 SEER/9-10 HSPF
Zone 3 & 4 (moderate)14-15 SEER/8.5 HSPF
Zone 5 (cool)15-17 SEER/8.5-9.5 HSPF
Zone 6 (cold)(18 SEER/9.5 HSPF) or (AC + Furnace)PH16NA or (AC + Furnace)
Zone 7 (very cold)(18 SEER/9.5 HSPF) or (AC + Furnace)PH16NA or (AC + Furnace)
Plan to move in the next few years13-14 SEER/8 HSPFPH14NB


Note: In Zones 6 and 7, the coldest zones, a system with an efficient gas furnace and a small central air conditioner is also a good option.

Contractor Feedback

Having been in the market for a long while, Payne should have more efficient heat pumps in terms of SEER and HSPF rating. The main goal of Payne is to capture the high value consumers at the entry level. In an effort to achieve this goal, Payne keeps their prices as low as possible.

-Brain From Washington Air

Payne is the builder’s grade version of Carrier/Bryant. There are no bells and whistles with payne. It is designed to be inexpensive and sold over the counter to anyone with an EPA certification whereas Bryant is sold for the most part to Bryant authorized dealers. Also I think Payne is still using the older base model cabinets from Carrier/Bryant. It is not a good design for longevity.

-Contractor From HVAC Talk Forum

Payne Heat Pump Prices By Model

In order to offer an objective and equal comparison, we set the baseline below:

Each model includes: 3 ton outdoor condenser, 1300-1400 cfm air handler, programmable heat pump thermostat.

System Only
System Installed
PH16NA 17 SEER$2,370$5,050
PH16NC 16 SEER$1,870$4,470
PH15NB 15 SEER$1,650$4,150
PH14NB 14 SEER$1,470$3,890

Payne Pump Prices By Size

Before installing your heat pump, a HVAC contractor needs to size your system by “Manual J” calculation. This will take into accounts factors like where you live, how much insulation you have, windows types and directions, and everything else. Then you will get a right sized heat pump unit ranging from 1.5-ton to 5-ton.

Each Unit includes: Payne 15 SEER 3-ton outdoor condenser, 1200-1400 cfm air handler, programmable heat pump thermostat.

Heat Pump Size
Home Size
System Only
System Installed
1.5 ton600-1000 sf$1,120
2 ton1001-1300 sf$1,280
2.5 ton1301-1600 sf$1,370
3 ton1601-1900 sf$1,600
3.5 ton1901-2200 sf$1,790$4,790
4 ton2201-2600 sf$1,920$5,070
5 ton2601-3200 sf$2,320$5,550

How to Get the Best Payne Heat Pump Prices?

  • Firstly, keep in mind that installation quality is always the most important thing for heat pump project. So never sacrifice contractor quality for lower price.
  • Secondly, remember to look up the latest tax credit and rebates.
  • Thirdly, ask for at least 3 bids before you make the decision. You can click here to get 3 free estimates for your local contractor, and this estimate already takes rebates and tax credit into consideration and filter unqualified contractors automatically.

At last, once you chose the right contractor, remember to use the tactics from this guide: homeowners tactics when negotiating with HVAC dealer to get the final best price.

Feel free to ask any question by leaving a comment, we will answer any question with actionable tips.

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