Heat pump price with installation: how much does it really cost and what do the experiences on forums show

Anyone who thinks about a heat pump sooner or later ends up on forums. There they find everything: from stories about the »turnkey« system for 6,000 euros to offers that exceed 15,000 euros. The numbers are real, but often incomparable. Someone lists the price without VAT, others after deducting subsidies, a third has underfloor heating and a new build, a fourth changes the oil boiler in an old house with radiators.

In this article we have collected Approximate prices for heat pumps with installation in 2026, They explained why the amounts on the forums vary so much, what a montage should contain, which costs often only appear later, and how to properly compare offers with each other.

In short: An air-to-water heat pump for an average single-family house costs, with installation and commissioning, typically from approximately €8,500 to €11,000, High-temperature versions and more demanding installation require more. Geothermal systems are significantly more expensive. When replacing a fossil fuel boiler, the Eko sklad can reimburse you. up to 50 % recognized costs, maximum 4,500 € for a heat pump air/water system. For the preparation of hot water alone, a sanitary heat pump is sufficient, which is several times cheaper.

Contents of the article

How much does a heat pump with installation cost in 2026?

The price depends primarily on the type of heat pump, its power, the temperature of the heating water it must provide, and the complexity of the installation. The table below shows: framework ranges in the Slovenian market for systems with assembly and commissioning, with VAT.

Type of system	Typical use	Approximate price with installation
Sanitary heat pump (200 to 300 l)	only the preparation of hot water	approximately €2,500 to €3,500
Air/water, about 8 kW	well-insulated house, underfloor heating or larger radiators	from approximately €8,500 onwards
Air/water, about 12 kW	a larger or less insulated house	approximately from 11,000 € onwards
Air/water, medium or high temperature	Older house with existing radiators	usually higher than low-temperature versions of comparable power
Water/water or earth/water (geothermal)	new construction with an appropriate plot of land or a water source	approximately €12,000 to €20,000 and more, depending on the well or collector

In heat pumps with an air/water capacity of 7 to 9 kW, the device itself (together with the sanitary water heater, if it is integrated into the indoor unit) represents the largest part of the investment. Material and assembly with start-up In standard installation, they often amount to around 1,500 €, while more expensive interventions may cost more.

The above amounts are indicative. The final price can only be determined by an offer prepared based on a visit to the property and calculation of the required power.

Why do prices on forums vary so much?

When someone posts on a forum how much they paid for a heat pump, the number is only useful to the second reader if they also know the circumstances. The most common reasons for differences are:

With VAT or without it. The difference in the device for €8,000 amounts to almost €1,800.
Before or after the subsidy. Some cite the amount of the refund from the Eco Fund, which seemingly lowers the price by several thousand euros.
With or without a sanitary water heater. The indoor unit with a built-in boiler is more expensive than the wall unit without it, and a separate boiler adds to the cost.
Underfloor heating or radiators. A medium- or high-temperature heat pump is often required for radiators, which is more expensive.
New construction or renovation. In the new building, the installations are prepared in advance, but during renovation it is necessary to remove the old device, adjust the wiring, and often arrange the electrical connection.
Scope of the »assembly«. With one contractor, it involves only connecting to prepared connections; with another, it also includes a base, pipes, a filter, expansion vessels, and hydraulic balancing.
Age of publication. The forums still feature topics from ten years ago. Back then, the prices for a comparable device were significantly lower, so the older numbers are no longer relevant today.

Useful information from the forum is therefore that which includes at least the square footage, the type of heating, the level of insulation, the power and model of the device, the scope of installation, and information on whether the price includes VAT and before subsidies.

What does the basic installation of a heat pump include?

Operators understand the term »basic installation« to mean a different range of work. In standard installation of a heat pump air/water split system, basic installation usually includes:

installation of the external unit on a prepared base or wall supports,
installation of the internal unit,
breakthrough of the outer wall for connecting the units,
the connection of the external and internal units with the coolant water up to a certain length (often a few meters),
vacuuming and filling the system with refrigerant,
electrical connection to a prepared electrical cabinet up to a certain length,
connection to the heating circuit and, when activated, to the sanitary water heater,
the installation of check valves and a magnetic filter,
expansion vessels for heating and sanitary water,
condensation drain,
parameter setting and start-up.

With the monoblock design, the work with the coolant is eliminated because the entire cooling circuit is located in the external unit, and pipes carrying the heating water run between the units. As a result, installation is simpler, but care must be taken to protect the external pipes from freezing.

Tip: Ask the contractor for a written list of the work that is included in the price, with the stated lengths of installations. Only then can you compare the offers with each other.

Additional costs that offers often do not show

The same story is often repeated on forums: the offer was favorable, but the final bill was higher. The reason is the work that was not included in the basic installation. The most common are:

Additional work or cost	When it appears
Concrete base or brackets for the outdoor unit	when the foundation is not ready
Additional installation meters	when the external and internal units are further apart than the basic assembly assumes
Cavities in concrete or stone, thicker walls	in older buildings and basement walls
Demolition and removal of the old furnace and oil tank	when replacing existing heating
Adjustment of electrical installation, fuses or connections	when the existing electrical cabinet or power connection is insufficient
Heat exchanger (logbook)	when required by the heating system or the manufacturer
Hydraulic balancing, replacement of individual radiators	in older radiator systems
Cleaning the existing heating system	when there is silt or impurities in the pipes from the old system
Obtaining permits and drilling	in geothermal systems

These costs are not necessarily a sign of a poor contractor. A sign of a poor contractor is if they do not mention them before signing the contract.

How to compare offers for a heat pump

The lowest offer is not necessarily the most advantageous. Before making a decision, check whether each offer includes the following:

Calculation of the required power. Power should be based on the heat losses of the building or on the current energy consumption, not on an »area-based« estimate. A pre-dimensioned device is more expensive and less efficient, while a too small one works less effectively in the cold and requires more work with an electric heater.
The temperature of the heating water. Does the selected device provide the temperature required by your radiators or underfloor heating at the project's outdoor temperature?
Seasonal efficiency. Compare the data for the same conditions, for example SCOP at 35 °C or at 55 °C. Data without the specified conditions is not comparable.
Preparation of hot water. Is the sanitary water heater on and what is its capacity?
The exact scope of the installation with installation lengths and a list of materials.
Guarantee on the device and on the works performed, as well as on the conditions for its extension.
Start and service. Who starts it up, who services the device, and how quickly is it available in the winter?
Eligibility for the subsidy. Does the device meet the technical requirements of the current public call of the Eco Fund?
Price with VAT and payment terms.

What do users on the forums most often highlight?

If we ignore the individual figures, some consistent findings are repeated in discussions about the price of a heat pump with installation.

Assembly is just as important as the brand

Users who have had problems rarely attribute them to the device itself. More often, they are due to incorrect sizing, a poorly chosen external unit location, improperly adjusted regulation, or insufficient radiators. A properly installed mid-range device usually performs better than a high-end device with poor installation.

The availability of the service counts when winter arrives

A common advice is to check before buying who will service the device and whether spare parts are available in Slovenia. A failure in mid-January is significantly more of a problem for the owner of a heating device without a local service than for the owner of an air conditioning device.

The appropriate device must be chosen for the radiators

Discussions about bad experiences in older homes often end with the same conclusion: a low-temperature heat pump was installed in a building with radiators that require a higher temperature for the heating water. The solution is a medium- or high-temperature version, replacing individual radiators or improving insulation.

Real consumption depends on the facility

Users on forums often share monthly electricity bills. One of them, for example, for a house with 120 m², radiators and 18 cm insulation on the facade in central Slovenia, stated that he spent about €160 on a heat pump in December. Such data are useful as a guide, but only for buildings with similar square footage, insulation, and heating systems.

Noise can be solved with a good location

Modern outdoor units are quiet, but complaints most often relate to units installed in corners between walls, under bedroom windows, or without anti-vibration mounts.

How much does the operation of a heat pump cost?

The investment is only part of the story. To assess whether a heat pump is worth it, the annual cost of electricity must also be taken into account. The calculation is simple:

Annual electricity consumption = annual heat demand ÷ SCOP

Example: The house needs 12,000 kWh of heat per year for heating. A seasonal coefficient of performance (SCOP) of 3.5 for the heat pump consumes approximately 3,430 kWh of electricity for this purpose. At a total electricity price of €0.20/kWh from the grid, this amounts to about €690 per year. With a SCOP of 3.0, the consumption would increase to 4,000 kWh or approximately €800.

The example illustrates why the difference in efficiency over 15 years of operation may prove more significant than the difference in purchase price. You can estimate the annual heat demand from the energy consumption so far: for example, from the liters of fuel oil or cubic meters of gas consumed, taking into account the efficiency of the old furnace.

The way the network fee is calculated also affects the operating cost. In winter, the heat pump also operates during more expensive time blocks, so it makes sense to check with the operator the required connection power and the possibilities of adjusting the operation time.

Eko Fund subsidy: how much does a heat pump cost in the end?

The eco fund published on April 16, 2026 Public call 126SUB-OB26, This applies to investments made from March 1, 2026 onwards. Compared to the previous call, the subsidies for replacing old heating devices are higher.

Type of heat pump	Replacement of the combustion device for fossil fuels	First installation or without replacement
Air/water	up to 50 % recognized costs, maximum 4,500 €	up to 20 % recognized costs, maximum 1,000 €
Water/water, earth/water	up to 50 % recognized costs, maximum 8,000 €	up to 20 % recognized costs, maximum 3,000 €

Example: When replacing a gas boiler with a heat pump air/water, whose recognized costs amount to €9,500, €50 would % mean €4,750. Since the incentive is limited to €4,500, you receive €4,500, and your net cost is €5,000.

For a higher incentive, the old device must be in use and connected to central heating; after replacement, it must be destroyed. Higher incentives cannot be obtained when replacing a district heating heat station, existing heat pumps, local combustion devices, or electric heating devices. The application is submitted after the investment has been carried out and paid for via the eUprava portal. Always check the terms and conditions before purchasing in the current text of the invitation.

How to reduce investment without taking any risks?

Determine the power correctly. A heavy device is more expensive to purchase and less efficient to operate.
First, reduce heat loss. Insulating the attic or replacing the windows can enable a smaller and cheaper heat pump and lower the temperature of the heating water.
Take advantage of the subsidy. Check the call requirements before choosing a device and save the evidence of the old device.
Obtain at least three comparable offers with the same volume of work.
If you only need hot water, Consider a sanitary heat pump instead of the entire heating system.
Do not skimp on the installation. A defective magnetic filter, an oversized expansion vessel, or unskilled regulation will ultimately prove more expensive than the savings in supply.

If you live in an apartment, read our guide on the heat pump for apartments, which explains the consents, the disconnection from the central heating system and the installation on the balcony.

Heat pumps in the SELTRON range

Daikin Altherma 3 H MT: Air-to-water heat pump with heating water temperature up to 65 °C and operation at −28 °C. Suitable for replacing gas and oil boilers and for new construction, also available in a compact wall-mounted version.
Daikin Altherma 3 H HT: High-temperature heat pump with heating water temperature up to 70 °C, intended for renovations with existing radiators.
SELTRON SAN: Sanitary heat pump with patented capillary exchanger, stratification system and PV function. Model SAN 300 with exchanger currently costs 2,199 € + VAT No assembly required. More about size selection in the article Thermal pump for sanitary water 300 l.

Do you need a quote for a heat pump?

The most reliable price is the one that is tailored to your specific needs. Submit an inquiry with information about the square footage, type of heating, insulation, and previous energy consumption; based on this, we will prepare a proposal for the appropriate device and power.

Take a look at the SELTRON heat pump range

Frequently asked questions about the price of a heat pump with installation

How much does an air-to-water heat pump with installation cost?

For an average single-family home, the cost usually ranges from approximately €8,500 to €11,000 including installation, commissioning and VAT. High-temperature versions and more complex installations are more expensive.

How much does the installation of a heat pump cost?

When installing standard equipment and commissioning the system, the cost often amounts to around €1,500. When replacing an old system, extending installations, or adapting the electrical installation, the cost is higher.

Are the prices that users mention on the forums reliable?

They are useful for orientation, but only if you know the circumstances: whether the price includes VAT and before subsidies, what the property is like, what heating it has and what the installation included. Older listings reflect lower prices from previous years.

Why is a heat pump for radiators more expensive?

Radiators require a higher temperature of the heating water than underfloor heating. This requires medium- or high-temperature heat pumps, which are more demanding and therefore more expensive.

How much subsidy will I receive for the heat pump in 2026?

Following the public call of the Eko Fund 126SUB-OB26 regarding the replacement of a fossil fuel heating device, up to 50 % recognized costs, maximum 4,500 € for air-to-water heat pumps and maximum 8,000 € for geothermal systems %. For the first installation, the incentive is up to 20%.

How much does a sanitary heat pump with installation cost?

Significantly less than a heating system. The SELTRON SAN 300 sanitary heat pump with exchanger costs €2,199 + VAT without installation, and the final price depends on connecting it to the existing installation.

What should the offer for a heat pump include?

Power calculation, device model and its seasonal efficiency, sanitary water heater, exact scope of installation with installation lengths, warranty conditions, commissioning, service and price with VAT.