Air-to-water heat pump: price and net cost in 2026
Air-to-water and ground-source are the only heat pumps that keep MaPrimeRénov’ in 2026. Here is what one costs in your case, grants deducted.
An air-to-water heat pump draws heat from the outside air and passes it to the water in the central heating circuit, radiators or underfloor heating, and often to the hot-water cylinder too. It is the most direct replacement for an oil or gas boiler. Its median price is €15,788 including VAT across the quotes published by the ScoreSolaire observatory, a sample that is still small. In 2026 it qualifies for the per-item MaPrimeRénov’ (€5,000, €4,000 or €3,000 depending on income, on an eligible expense of at most €12,000) and for the CEE bonus of sheet BAR-TH-171, multiplied by five when it replaces a fossil-fuel boiler. The two grants are capped together. In the field, ADEME measured an average yearly efficiency of 2.9: an air-to-water heat pump delivers nearly three kilowatt-hours of heat for one kilowatt-hour of electricity.
Estimated out-of-pocket cost
€8,588
€15,788 − €7,200 in grants
| Estimated price (median quote) | €15,788 |
| MaPrimeRénov’ (purple) | €2,390 |
| of which cut by the cap | − €610 |
| CEE bonus (Coup de pouce) | €4,810 |
| Out of pocket | €8,588 |
| Heating per year today | €2,127 |
| Heating per year with heat pump | €930 |
| Saving per year | €1,198 |
| Payback | 7.2 years |
| Heating need | 13,583 kWh |
| Climate (St-Genis-Laval) | 2,058 DJU, H1 |
Outside Île-de-France ceilings for 3 people: blue ≤ €30,540, yellow ≤ €39,148, purple ≤ €55,196. Estimate only: the Anah alone sets the grant, and the CEE amount is the one the firm puts in writing before you sign.
Checked by Radif Partners · Editorial policy · Method and sources
Out-of-pocket cost by income
For the same house, the out-of-pocket cost depends mainly on the income category and the Coup de pouce. The table runs the calculator’s engine for four three-person households, with the CEE bonus estimated at the Emmy registry price:
| Category | MaPrimeRénov’ | CEE bonus | Out of pocket | Without Coup de pouce |
|---|---|---|---|---|
| Blue | €2,815 | €7,985 | €4,988 | €9,191 |
| Yellow | €1,015 | €7,985 | €6,788 | €10,191 |
| Purple | €2,390 | €4,810 | €8,588 | €11,826 |
| Pink | €0 | €4,810 | €10,978 | €14,826 |
A blue household pays no less than 10 % of the eligible expense, yellow 25 %, purple 40 %: that is the effect of the cap, explained on its own page. For a pink household, only the CEE bonus counts.
Low or high temperature
A low-temperature heat pump heats water to 35 or 45 °C: ideal with underfloor heating or large radiators, it is the most efficient. A high-temperature unit reaches 65 °C to feed old cast-iron radiators, at the cost of higher consumption. The calculator uses ADEME’s measured average by default; if your installer quotes a SCOP, enter it under “Refine”, bearing in mind that field measurements range from 1.8 to 4.5.
What a good quote contains
The make, model and output; the Etas; the planned flow temperature; the hot-water cylinder if any; removal of the old boiler; the CEE bonus amount and the company paying it; the model’s approval number if the Coup de pouce is applied; the installer’s RGE certification. The expected consumption and the output can be checked on this site.