Payne Heat Pump Prices and Reviews 2026

Payne heat pump

Payne heat pumps are considered better than average because they are built with quality components. 

About Payne

Payne heat pumps are made by Carrier, and though the lineup is limited to just four models, those heat pumps are identical or nearly so to Carrier and Bryant models.

Payne’s lineup of heat pumps offer good quality and midrange efficiency at a competitive cost. 

In this Payne heat pumps review, you’ll find relevant information on each model, its features, sizes and efficiency ratings, as well as the pros and cons. Helpful charts are included so you can easily see pricing details at a glance. 

How Payne Heat Pumps Compare with Other Brands

Comparing Payne heat pumps to other manufacturers in the market, one should examine a number of important points:

Payne is a low-cost option to high-end brands such as Carrier and Trane. Although Payne heat pumps are usually 20-30 percent cheaper than the premium brands, they are a good option in terms of performance to those homeowners who are on a budget. As an example, a 3-ton Payne heat pump system would cost approximately between 3,500 to 5,500 dollars installed as opposed to 5,000 to 7,500 dollars on similar Carrier models.

Payne heat pumps have moderate to good efficiency ratings: – SEER ratings are 14 to 17, and premium brands such as Lennox and Carrier are up to 20+ SEER – HSPF ratings are 8.2 to 9.5, compared to premium brands up to 11 – These efficiency ratings are not the best in the industry, but they are adequate in most residential applications

The warranty coverage of Payne is competitive, not outstanding: – 10-year parts limited warranty (with registration) – No built-in labor warranty (unlike premium brands) – Similar to such brands as Goodman and York – Not as comprehensive as premium brands that offer lifetime compressor warranties

To sum up, Payne heat pumps are a good compromise solution on the HVAC market. They might not have the latest features and the best efficiency ratings of high-end brands, but they are reliable and offer good value to those consumers who are not willing to spend a lot of money. The fact that they are associated with Carrier gives the brand credibility and they are a viable option to homeowners who want to balance between cost and quality.

Note: Payne is produced by Carrier, which is why a number of significant factors can be explained:

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  • Shares the same core technology with Carrier units
  • Has access to high-quality parts and components
  • Is supported by a well-established manufacturer Nonetheless, Payne units are usually less complex and have fewer high-end features than Carrier models.

Payne Heat Pump Model Analysis 

An overview of the models are found in the chart below. Models are available starting at 18,000 or 24,000 BTU/hour. The largest are 60,000 BTU. This is also called 1.5 to 5.0 tons, which is not a reference to the weight of the units. One ton = 12,000 BTU.

ModelSEER & HSPFCompressorSound
PH16NA16 & 9.5Two Stage71 decibels
PH16NC16 & 9.0Single Stage68 decibels
PH15NB15 & 9.0Single Stage69 decibels
PH14NB14 & 8.2Single Stage69 decibels

Product Lineup and Features

 Here is a quick overview of the four models – size, efficiency, compressor function, etc. 

PH16NA Two-Stage Heat Pump

  • 16-17 SEER Cooling and 9.5 HSPF Heating.
  • Two-stage Scroll Compressor.
  • ENERGY STAR Qualified.

PH16NC Single-Stage Heat Pump

  • 16 SEER Cooling and 9.0 HSPF Heating.
  • Single-Stage Compressor Operation.
  • ENERGY STAR Qualified.

PH15NB Single-Stage Heat Pump

  • 15.5 SEER Cooling and 9.0 HSPF Heating.
  • Single-Stage Compressor and Fan.
  • ENERGY STAR Qualified.

PH14NB Single-Stage Heat Pump

  • 14 SEER Cooling and 8.2 HSPF Heating.
  • Single-Stage Scroll Compressor.
  • Single-Speed Fan Motor.

Payne Heat Pump Cost by Model

ModelInstalled Cost
PH16NA$6,200 – $9,350
PH16NC$5,150 – $8,150
PH15NB$4,450 – $6,600
PH14NB$4,200 – $5,900

Payne Heat Pump Cost by Size

Heat Pump SizeHome SizeSystem OnlySystem Installed
1.5 ton600 – 1000 sf$2,575 – $4,775$4,300 – $6,300
2 ton1001 – 1300 sf$2,950 – $5,125$4,950 – $6,900
2.5 ton1301 – 1600 sf$3,295 – $5,950$5,600 – $7,755
3 ton1601 – 1900 sf$3,755 – $6,150$6,300 – $8,000
3.5 ton1901 – 2200 sf$3,945 – $6,665$6,650 – $8,500
4 ton2201 – 2600 sf$4,250 – $7,340$6,900 – $8,950
5 ton2601 – 3200 sf$4,650 – $7,685$7,200 – $9,350

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 from your local contractors, 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.

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 and EPA & R-410A Certifications.
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