Generally speaking, a heat pump will need to be replaced after approximately 15 years. A well-maintained air-conditioning system may last 20 years in New York City’s climate.

A heat pump will cost more than an air conditioner to buy and install. And it may need more routine maintenance over the years.

But … you’re comparing apples versus oranges, as your grandpa might say.

Some differences

A heat pump works year-round, delivering heat in cold weather and cool air in warm weather. An AC system just works in hot weather; it’s off all winter.

A heat pump also is much better for the environment and for your wallet if you plan on staying in the home long enough to start collecting the payback for reduced energy costs.

However, this isn’t a one-size-fits-all argument. If you’re moving next year, an AC system may be the right answer.

What to do?

Don’t let anyone browbeat you one way or the other. Do what’s best for you and your family.

If you’re trying to make this decision, AC vs. heat pump, call in a veteran HVAC contractor who can help you reach the best decision. The contractor can help you determine what size system you need, the true cost (including possible state and federal tax breaks), and what fits your budget.

Then call in another veteran HVAC contractor to get a second opinion if you want. And then a third.

Get all their estimates in writing. Don’t decide simply on the basis of the lowest estimate.

Instead, consider which contractor was most trustworthy, with the highest likelihood of delivering the job on time and at the price listed? Then make your choice.

Premier technicians correctly install all types of HVAC, including heat pumps, furnaces, boilers and air conditioning systems.