What are the expected costs for a heat pump?

The costs for a heat pump vary depending on type, capacity, installation complexity and the degree of sustainability desired. In 2025, the average total project costs including installation are between € 4,000 and € 30,000. Below you will find a specified estimate per system type.

1. Indicative costs per type of heat pump

The amounts mentioned include delivery, installation and basic components. Extras such as buffer tanks, network reinforcement or excavation work may increase the price.

2. Cost structure

A heat pump installation consists of several cost components:

• Purchase equipment: heat pump unit(s), boiler, buffer tank
• Assembly and placement: labor costs, pipes, connections
• Possible ground drilling (for ground or water-water systems)
• Electrical adjustments: meter cupboard expansion or cabling

3. Influence of subsidy (ISDE 2025)

The ISDE subsidy significantly reduces the net investment:

• Hybrid systems: average € 2,000 – € 2,500 subsidy
• Fully electric systems: average € 2,500 – € 4,000 subsidy

After deduction of subsidy, the costs decrease for example for a hybrid system to approximately € 3,000 – € 5,000 and for an all-electric air-water to approximately € 7,500 – € 12,000.

4. Practical price examples

Example 1: Hybrid air-water in existing house

• Gross investment: € 6,000
• Subsidy: € 2,250
• Net investment: € 3,750

Example 2: All-electric air-water during renovation

• Gross investment: € 13,000
• Subsidy: € 3,200
• Net investment: € 9,800

Example 3: Ground-water in new construction

• Gross investment: € 27,000
• Subsidy: € 4,500
• Net investment: € 22,500

5. Summary

• Budget options: Air-to-air and hybrid systems offer low initial costs.
• Completely gas-free: All-electric systems have higher investment, but lower consumption costs.
• Premium return: Ground- and water-water systems are more expensive to install, but deliver maximum return over the lifespan.
• Subsidy effect: In many cases 20–30% lower net investment.

Via jeofferte.nl you can easily compare suppliers, installation options and subsidy effects for your specific situation.

The investment in a heat pump depends on the type, capacity, installation method and technical situation of the home. The amounts below are indications based on market prices in 2025 and include delivery, assembly and commissioning.

1. Overview Costs per type

2. What is included?

• Delivery of the heat pump unit(s) and associated parts (boiler, buffer tank, control)
• Installation and connection to existing or new piping systems
• Adjustment of the system for optimal performance
• Possible minor adjustments to the meter box and wiring
• Brief instruction and handover to the user

3. What can cause extra costs?

• Ground drilling (for ground and water-water systems)
• Grid reinforcement or expansion of the meter cupboard
• Replacement of the delivery system (radiators to low temperature or underfloor heating)
• Placement challenges such as limited space or extra pipe length

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4. Subsidy effect

With the ISDE subsidy in 2025, the net investments will decrease significantly:

Type of heat pump	Avg. subsidy 2025	Net costs (indicative)
Hybrid air-water	€ 2.000 – € 2.500	€ 2,500 – € 5,000
All-electric air-water	€ 2,500 – € 4,000	€ 7,500 – € 12,000
Ground-water	€ 3,500 – € 4,500	€ 16,500 – € 25,500

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5. Summary

• Air-air and hybrid are the most affordable entry-level options.
• All-electric offers complete independence from natural gas, but requires a higher investment.
• Ground- and water-water deliver the highest return, but are capital-intensive to install.
• Subsidies make the step to hybrid or all-electric financially attractive.

Via jeofferte.nl you can directly compare price indications and see which type of heat pump best suits your home and budget.

 

 

The examples below are based on common practical situations. Prices include delivery, assembly, commissioning and VAT. Subsidy has not yet been taken into account; net investments therefore turn out lower once ISDE subsidy is applied.

1. Example prices per situation

2. Subsidy effect in these examples

3. Important considerations

• Prices include standard installation. Complex placement, grid reinforcement or extra excavation work may cause additional costs.
• For ground and water-water systems, the drilling and well installation are included.
• Subsidies are only paid out after installation and approval.
• The choice of power and type depends on insulation, heat demand and user comfort.

4. Summary

• Hybrid systems are the most affordable entry-level option, especially with subsidies.
• All-electric systems make the home completely gas-free, with a higher but profitable investment.
• Ground and water-water heat pumps offer the highest efficiency, but require a larger budget.

Via jeofferte.nl you can easily compare these and other options on price, power and efficiency, including direct calculation of the subsidy effect.

The payback period indicates how long it takes for the investment in a heat pump to be recouped through lower energy costs. This depends on the purchase costs, the subsidy amount, the annual savings and the energy prices.

1. Factors that influence the payback period

1. Type of heat pump – Hybrid systems have lower investment costs and a shorter payback period than fully electric or ground-source systems.
2. Subsidy (ISDE) – Reduces the net investment and significantly shortens the payback period.
3. Energy prices – Higher gas prices and self-generated electricity (via solar panels) accelerate the payback period.
4. Insulation level – Well insulated homes use less energy, making the savings per invested euro greater.
5. Usage pattern – Households with high heat demand benefit more quickly from the switch.

2. Average payback period per type (after subsidy)

The above figures are based on an average household with an annual heat demand of approximately 12,000 kWh of heat.

3. Example Calculation – Hybrid Air-Water

• Gross investment: € 6,500
• ISDE subsidy: € 2,250
• Net investment: € 4,250
• Annual savings: € 750
• Payback period: approx. 5.7 years

4. Calculation example – All-electric air-water

• Gross investment: € 13,000
• ISDE subsidy: € 3,000
• Net investment: € 10,000
• Annual savings: € 1,200
• Payback period: approx. 8.3 years

5. Calculation example – Soil-water

• Gross investment: € 27,000
• ISDE subsidy: € 4,500
• Net investment: € 22,500
• Annual savings: € 1,500
• Payback period: approx. 15 years

6. Important Remarks

• The payback period becomes shorter with rising gas prices.
• In combination with solar panels, the payback period can be shortened by 1 to 3 years.
• Maintenance costs are relatively low compared to central heating boilers, which increases the net benefit.
• For homes with poor insulation, the payback period may be longer due to lower efficiency.

Conclusion

Hybrid heat pumps have the shortest payback period, while fully electric and ground-source systems take more time, but offer higher savings and CO₂ reduction in the long term. With current energy prices and available subsidies, a payback period between 5 and 12 years is realistic for most households.

Via jeofferte.nl you can have an exact payback period calculation made for your home based on consumption, insulation and chosen system.

In 2025, the most important national regulation for heat pumps is the Investment Subsidy Sustainable Energy and Energy Saving (ISDE). This subsidy significantly reduces the net investment, making the switch to a hybrid or fully electric heat pump financially more attractive.

1. ISDE – Key Points

• Available for both private individuals and business users
• Only for newly delivered heat pumps, installed by a certified installer
• Homes are eligible if they were built before 2019 or have a permit issued before July 2018
• Minimum energy performance requirement: energy label A++
• Application must be submitted within 24 months of installation
• Heat pumps with A+++ receive an extra bonus

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2. Subsidy Amounts in 2025

The structure of the ISDE subsidy is as follows:

• Fixed starting amount: € 1,250
• Surcharge per extra kW of power (above 1 kW): € 225 per kW
• A+++ bonus: € 200

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3. Examples of subsidy per type

Type of heat pump	Power	Label	Indicative subsidy
Hybrid air-water	4 kW	A+++	€ 2.125
Hybrid air-water	5 kW	A+++	€ 2.350
All-electric air-water	8 kW	A+++	€ 3.025
Ground-water	12 kW	A+++	€ 4.150

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4. Transitional arrangement

If you bought a heat pump in 2024 but have it installed in 2025, you can often still use the conditions and amounts of 2024, provided you can demonstrate this with an order confirmation or invoice.

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5. Additional schemes besides ISDE

In addition to the ISDE, there are additional possibilities:

• Municipal subsidies – Some municipalities offer their own schemes or energy transition budgets
• Loans at low interest rates – Such as the Energy Saving Loan from the National Heat Fund
• Tax benefits for companies – MIA (Environmental Investment Allowance) and VAMIL (accelerated depreciation)

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6. Subsidy effect on investment

Type of heat pump	Gross price incl. installation	Avg. subsidy	Net price
Hybrid air-water	€ 6.500	€ 2,250	€ 4,250
All-electric air-water	€ 13,000	€ 3,025	€ 9,975
Ground-water	€ 27,000	€ 4.150	€ 22.850

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Conclusion

Thanks to the ISDE subsidy, the purchase of a heat pump will be 20–30% cheaper in 2025. Hybrid systems have the largest subsidy percentage relative to the purchase price, while ground and water-to-water systems receive absolute top amounts of subsidy. It is important to submit the application in good time and ensure that installation and equipment meet all requirements.

Via jeofferte.nl you can directly see which subsidy amounts apply to your situation and how this affects the payback period.

 

The main national scheme for heat pumps is the Investment Subsidy for Sustainable Energy and Energy Saving (ISDE). To be eligible, both the heat pump and the installation must meet specific requirements.

1. General conditions

• Ownership: You own the house in which the heat pump is installed.
• Type of property: Subsidy applies to existing homes that were built before January 1, 2019, or for which a building permit was issued before July 1, 2018.
• Installation by a recognized company: The installation must be carried out by a certified installer (BRL 6000-21 or equivalent).
• New product: The heat pump must be new (not second-hand or refurbished).
• Application deadline: Subsidy must be applied for within 24 months of installation.
• Product on ISDE list: Only heat pumps that are included in the official ISDE equipment list are eligible.

2. Technical requirements

• Minimum energy label A++ – Only models with a label of A++ or A+++ are eligible for subsidy.
• Power: The thermal power is determined in kW and partly determines the amount of the subsidy.
• Operating principle: Only systems for space heating or combinations with tap water preparation are eligible.
• Refrigerant: The refrigerant must comply with the European environmental standards (F-gas regulation).

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3. Specific requirements per type of heat pump

• Hybrid air-water: Must be able to work with a central heating boiler and achieve at least a seasonal coefficient of performance (SCOP) according to ISDE standards.
• All-electric air-water: Must be able to provide full heating and hot water comfort all year round without gas.
• Ground and water-water: Must meet strict requirements for source technology, installation safety and efficiency.

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4. Financial conditions

• Subsidy amount = fixed basic amount (€ 1,250) + € 225 per kW above 1 kW thermal power.
• Extra bonus of € 200 for energy label A+++.
• Subsidy will only be paid after completion of the installation and approval of the application.
• Invoice and proof of payment are required as proof.

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5. Situations without subsidy

No entitlement to ISDE subsidy in the following cases:

• Installation of a second-hand heat pump.
• Do-it-yourself installation (without a certified installer).
• Heat pumps used exclusively for cooling (air-to-air without heating function).
• Installation in a building under construction (new construction after January 1, 2019).
• Product not listed on the official ISDE list.

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Conclusion

To receive a subsidy, the heat pump must meet strict technical and administrative requirements. Engaging a certified installer and choosing a model that is on the ISDE list are crucial. Those who meet all the conditions can count on a contribution that significantly reduces the investment.

Via jeofferte.nl you can directly check whether a heat pump meets all subsidy conditions and which amount applies in your situation.

 

The total investment in a heat pump consists of several components. In addition to purchasing the system itself, there are costs for installation, adjustments to the home and any additional facilities. The exact distribution differs per type of heat pump, home and installation situation.

1. Main components of the costs

2. Example distribution – Hybrid air-water

Total price: € 6.500 (including VAT and installation)

3. Example distribution – All-electric air-to-water

Total price: € 13.500 (including VAT and installation)

4. Example distribution – Ground-water

Total price: € 27,000 (including VAT and installation)

5. Important Remarks

• For well-insulated homes, adjustments to the delivery system are often minimal, which reduces costs.
• For ground and water-water systems, the boreholes form a large part of the costs.
• Smart combination with other sustainability measures (such as solar panels) can make the total investment and energy costs more favorable.
• The ISDE subsidy significantly reduces the net investment, usually by 20–30%.

Conclusion

Purchasing a heat pump is more than just the device itself; the installation, home adjustments and any ground work form an important part of the costs. By having a specified cost structure drawn up in advance, you gain insight into possible savings and the influence of subsidy on the net investment.

Via jeofferte.nl you will receive quotations with a clear cost structure, so that you can easily compare prices and components.

Switching to a heat pump is a strategic choice for both energy saving and sustainability. However, it is important to carefully assess all technical, financial and practical factors in advance.

1. Insulation and house suitability

• Insulation level: A well-insulated house achieves the highest efficiency. Poor insulation leads to higher heating costs and a longer payback period.
• Delivery system: Low temperature heating (underfloor heating, LT radiators) is optimal.
• Year of construction and building type: Newer or renovated houses are often directly suitable; older homes sometimes require additional measures.

2. Type of heat pump

• Hybrid: Combines a heat pump with a central heating boiler. Suitable for less well-insulated homes. Lower investment, shorter payback period.
• All-electric: Completely gas-free. Requires good insulation and often a larger investment, but offers maximum savings in the long term.
• Ground- or water-water: Highest efficiency and long lifespan, but costly and installation-intensive.
• Air-air: Affordable and suitable for heating and cooling, but no tap water function.

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3. Investment and subsidies

• Total project costs: Including purchase, installation, home modifications and any ground drilling.
• ISDE subsidy: Can reduce 20–30% of the investment. Only available with recognized installation and models on the ISDE list.
• Payback period: Depending on energy savings, subsidy amount and energy prices.

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4. Space and Placement Options

• Outdoor unit: Must have sufficient free space and distance to property line, taking into account noise standards (max. 40 dB).
• Indoor unit/boiler: Requires sufficient space in technical room, storage room or attic.
• Drilling location: For soil or water-water systems, there must be access for drilling equipment.

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5. Noise and Comfort

• Noise emission: Choose a model with low noise production, especially in densely built-up areas.
• Comfort level: Ensure that the system has sufficient power for both peak loads in winter and hot tap water.

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6. Maintenance and lifespan

• Maintenance frequency: Annually for hybrid systems (incl. central heating boiler), every 2 years for fully electric systems.
• Lifespan: 15–20 years for air-water systems, 20–25 years for ground- and water-water systems.
• Service contract: Extended warranty and breakdown service possible via maintenance subscription.

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7. Future-proof

• Natural gas-free policy: Hybrid will be the minimum replacement for a central heating boiler from 2026.
• Energy prices: Rising gas prices make heat pumps increasingly attractive.
• Integration: Can be connected to solar panels, home batteries and smart energy management systems.

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Conclusion

Choosing a heat pump requires a careful consideration of home suitability, budget, subsidy benefits and comfort requirements. By mapping all technical and financial aspects in advance, you avoid setbacks and maximize the savings potential.

Via jeofferte.nl you can easily compare multiple heat pump options based on price, efficiency and suitability for your home, including subsidy effect.