Payne Heat Pump Prices and Reviews 2022

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.

Payne is a competitively priced brand owned by United Technologies Corporation (UTC), the parent company of Carrier and Bryant. It allows UTC to have a brand in the marketplace that is attractive to buyers focused on affordability. Payne heat pumps are cost-effective in moderate climates where high-efficiency heating and cooling isn’t required and in part-time settings like vacation homes and guest apartments.

A Payne heat pump is an attractive choice for homeowners looking for value. They offer quality and average efficiency at a competitive cost. As a sister brand to Carrier and Bryant, parts are readily available, so when repairs are needed, they are often made the same day or next day.

This guide to Payne heat pumps is one-stop research for Payne models, their efficiency, features, pros and cons. We’ve completed guides for all major brands with tables like you will find below, so comparing Payne heat pumps to other brands you’re considering can be done at a glance.

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.

Features and Pros

While these heat pumps don’t have features that set them apart, there are a few things worth noting.

Payne offers single-stage, basic efficiency heat pumps that are low-cost leaders. The 16 SEER/9.0 HSPF PH16NC heat pump and the 15.5 SEER/9.0 HSPF PH15NB model are Energy Star rated. Two-stage 17 SEER/9.5 HSPF PH16NA heat pump offers higher efficiency and performance at a competitive cost. It’s Energy Star compliant too.

All Payne heat pumps are quieter than the average low-decibel level of 74-76. Three models are 69 decibels at their quietest. The two-stage unit is 71 decibels.

Finally, we’re impressed by the 10-year general parts warranties on all models. You know what a manufacturer thinks of its products by the warranty it backs them with. Some single-stage heat pumps in the 14-16 SEER range, like the Lennox Elite Series, are covered for just 5 years.


We don’t have complaints about the existing models, only what’s not in the lineup.

There are no models more efficient than 17 SEER, so these units might not appeal to those in very warm regions.

Secondly, there are no variable-capacity heat pumps. Variable-capacity or modulating heat pumps deliver premium indoor comfort along with the highest efficiency levels for each brand that makes them.

Neither of these issues are a concern because Carrier and Bryant both make high-efficiency heat pumps and variable-capacity models. Those brands are available everywhere Payne heat pumps are sold, should you prefer an efficiency/performance upgrade.

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 years 13-14 SEER/8 HSPF PH14NB


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.

ModelsSystem OnlySystem 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 SizeHome SizeSystem OnlySystem Installed
1.5 ton600 - 1000 sf$1,120$3,150
2 ton1001 - 1300 sf$1,280$3,450
2.5 ton1301 - 1600 sf$1,370$3,970
3 ton1601 - 1900 sf$1,600$4,500
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

Not sure what size Pyane heat pump you need? Try our heat pump sizing calculator which is based on several common factors.

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.

Written by

Rene has worked 10 years in the HVAC field and now is the Senior Comfort Specialist for PICKHVAC. He holds an HVAC associate degree from Lone Star College and EPA & R-410A Certifications.

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