Geothermal Heat Pump Cost in Oklahoma (2026)
Short answer: At Hartzell’s Heat & Air, most geothermal unit replacements on an existing loop run $20,000 to $25,000, a rebuild starts at $3,500 installed when the loop tests good, and a new loop is $17 a foot, sized from a heat load calculation. Those come from my own job records and published prices. The Free Geothermal Consultation costs nothing (weekends statewide as availability allows; on a weekday I start with a phone pre-qualification and ask for your utility bills first, then we set the visit), and some Oklahoma utilities pay rebates per ton.
How much does geothermal cost in Oklahoma in 2026?
It depends most on one question: is there already a good loop in your yard? Here is how my prices break down, with where each number comes from. The full write-up of the job records is on what geothermal actually costs in Oklahoma.
| Your situation | What it costs at Hartzell’s | Where the number comes from |
|---|---|---|
| Loop is good, unit is tired | Rebuild from $3,500 installed, up to a 5-year warranty when the loop verifies good | My current published price |
| Loop is good, unit is done | Most unit replacements run $20,000 to $25,000 | 36 completed unit replacements in my records; the median of the 18 since 2023 is $22,252 |
| No loop in the ground yet | New system; the loop is $17 a foot, plus the unit, on a written estimate | My current published loop price |
| Something is wrong with the system you have | Geothermal diagnostic, $348 flat, any hour, plan members too | My current published price |
The loop is the part that lasts. In 700+ geothermal jobs in my records since 2017, I have not replaced a single loop field, and I have loops in the ground on their third generation of equipment. That is why a unit replacement on an existing loop costs far less than a new system with a new loop.
“We don’t replace the loops. They last.”Dave Hartzell, Hartzell’s Heat & Air, Kingfisher
What drives the price of a new geothermal system?
- The heat load. I size every system from a heat load calculation using ASHRAE and ACCA Manual J methods, not a square-footage rule. The load sets the tonnage, and the tonnage sets how much loop you need.
- The loop type. Horizontal loops need open ground to trench. Vertical loops fit smaller lots but need drilled bores, which my OWRB-licensed driller drills while I design the loop and stand behind the install. Pond and open loops depend on the water.
- Ductwork and electrical. Sound ducts get reused. Leaky or undersized ducts, or an electrical service that needs work, add to the job.
- Hot water. A desuperheater can be added to preheat your water heater. See how a geothermal desuperheater works.
Which Oklahoma utilities pay geothermal rebates in 2026?
At Hartzell’s Heat & Air, I check utility rebates for every Oklahoma geothermal job, and they depend on who sends your electric bill. Tell me your ZIP code and electric utility and I will check the current official program before I count any amount.
| Utility | Geothermal rebate in 2026 | Notes |
|---|---|---|
| CKenergy | $2,000 per ton, up to $24,000 per member, on new installations and retrofits | Blaine, Caddo, Canadian, Comanche, Custer, Dewey, Grady, Kiowa, Roger Mills and Washita counties. Not Kingfisher County. CKenergy says its separate rebate for replacement units ended in 2026. |
| OG&E | Residential rebates closed for 2026 | Returning in 2027. OG&E does not list a geothermal rebate. |
| OEC | Confirm the 2026 amount | Parts of Canadian, Oklahoma, Grady and Caddo counties. The current OEC rate sheet is dated 2025, so I confirm with OEC before I quote it. |
| Cimarron Electric | $600 flat | Rural Kingfisher area. Verified with the utility before quoting. |
| KPWA (Kingfisher city) | OMPA WISE program, up to $800 per cooling ton on a new geothermal system | A replacement on an existing loop is lower under the program. Verified with KPWA before quoting. |
Example: a new 4-ton geothermal installation for a CKenergy member is 4 × $2,000, or $8,000 back from CKenergy, once CKenergy confirms the account and the program. A unit-only replacement on an existing loop does not get that rebate under CKenergy’s 2026 rules, so I check before I count it.
How can I pay for geothermal in Oklahoma?
Cash, financing, or a lease. I work with five lenders: Synchrony (up to 18 months at 0% for qualifying jobs), Wells Fargo, Wisetack, Klarna and JB Financing, and financing covers repairs too, not just new systems.
Hartzell’s Full Coverage Geothermal Plan, powered by Palmetto
If the upfront cost is the hurdle, there is a lease path. For qualified homeowners, the Full Coverage Geothermal Plan can turn a residential geothermal project into a 10-year lease path with monthly payment options: a flat payment, the same every month for all 10 years, or start lower with a small yearly increase (0.99% or 1.99%) and pay the same total either way. Nothing is due up front, extra payments are optional, and at the end of the term you can buy it out for about 22% of the job cost. I handle the Oklahoma site review, design, installation, commissioning, and local service support.
Qualification and program terms apply. Through third-party ownership, Palmetto can monetize available tax credits and apply that value to the customer’s benefit.
Purchase, loan, or Full Coverage Geothermal Plan?
The right geothermal path depends on cash, credit, utility territory, and how long you expect to own the home. I compare traditional purchase, normal financing, utility rebates where confirmed, and the Full Coverage Geothermal Plan side by side before calling anything final.
Traditional purchase or loan
You own the system. Upfront cost or loan balance is higher. Eligible utility incentives must be verified before quoting. Maintenance is separate unless included in the proposal.
Full Coverage Geothermal Plan
Qualified homeowners may use a 10-year residential lease path with monthly payment options. Installation, parts coverage, service and repair labor, and preventative maintenance are included during the lease term per program terms.
Program terms and qualification apply.
Is geothermal worth it in Oklahoma?
For a lot of Oklahoma homes with room for a loop, I think so, but I will not promise you a savings number or a payback year. ENERGY STAR says certified geothermal heat pumps are on average over 45% more energy efficient than standard options. What that means for your bill depends on your electric rate and what you are heating with now. What I can promise is the installed price in writing at the free geothermal consultation, so you can weigh it against your own bills. I am IGSHPA Accredited and a ClimateMaster GeoElite dealer, with 4.8 stars and 300+ Google reviews, and I work geothermal across Oklahoma and most bordering states out of Kingfisher.
15+ years • 6,500+ jobs completed • 1,500+ Oklahoma homes served
Ready to move forward? Here is how geothermal installation works. Keep your loop running right with a geo maintenance plan.
Geothermal cost questions
How much does geothermal cost in Oklahoma?
At Hartzell’s Heat & Air, most geothermal unit replacements on an existing loop run $20,000 to $25,000, from 36 completed jobs in my records. A rebuild starts at $3,500 installed when the loop tests good. A new system adds the loop at $17 a foot. The Free Geothermal Consultation costs nothing.
Why is a unit replacement so much cheaper than a new geothermal system?
Because the loop stays. In 700+ geothermal jobs at Hartzell’s Heat & Air since 2017 I have not replaced a loop field, so most replacements are the unit only, tied into the loop already in your yard.
How do you size a geothermal system?
At Hartzell’s Heat & Air in Kingfisher, from a heat load calculation using ASHRAE and ACCA Manual J methods, not a square-footage rule. The load sets the tonnage, and the tonnage sets the loop footage.
What counties get the CKenergy geothermal rebate?
CKenergy pays $2,000 per ton, up to $24,000 per member, on new installations and retrofits in its service territory, which includes Blaine, Caddo, Canadian, Comanche, Custer, Dewey, Grady, Kiowa, Roger Mills and Washita counties. Kingfisher County is not in CKenergy territory. Its separate replacement-unit rebate ended in 2026. I confirm the utility for your address first.
Is there a lease option for geothermal in Oklahoma?
Yes. Hartzell’s Full Coverage Geothermal Plan, powered by Palmetto, is a 10-year residential lease with nothing due up front. It is a lease, not a purchase, and an end-of-term buyout exists. Qualification and program terms apply.
How long does geothermal take to pay for itself?
At Hartzell’s I do not promise a payback year. It depends on your electric rate, what you heat with now and any rebate at your address. I put the installed price in writing at the free geothermal consultation so you can weigh it against your own bills.
Sources
Prices are my current published prices and my own completed-job records. Rebate amounts are each utility’s, confirmed before I quote them. Lease terms are Palmetto’s program terms.
Free Geothermal Consultation: weekends statewide as availability allows. On a weekday I start with a phone pre-qualification and ask for your utility bills first, then we set the visit. It is not the paid $348 diagnostic: diagnostic testing of an existing geothermal system, including one that has stopped working, is the paid $348 diagnostic.