Score breakdown: 50/100
RatingPlate Score. Based on EIA energy prices, ENERGY STAR data, state rebate programs, and permit research. Not a government rating or purchasing recommendation. FAQ
Missouri electricity is 23% below the national average. Here's what that means for heat pump operating costs.
Running cost in Missouri
At Missouri's 14.0¢/kWh electricity rate, the most efficient heat pump water heater saves an estimated $512 per year compared to a standard electric tank.
Missouri electricity
14.0¢
per kWh (EIA, 12-month avg. through Aug 2026)
Best HP annual cost
$116
A. O. Smith HPTS-50-2
Electric resistance
$629
~4,500 kWh/yr baseline
Colder inlet water (57°F annual average, 43°F in winter) means the heat pump works harder than DOE test conditions assume (58°F). Real-world efficiency will be slightly lower than rated UEF, and winter operating costs will be higher than the annual average.
Heat pump vs gas tank in Missouri
At Missouri prices (14.0¢/kWh electricity, $1.64/therm gas), a heat pump costs about $165 less per year to run than a standard gas tank, on the same DOE rated hot water load. See replacing a gas water heater in 2026 and all 50 states compared.
Heat pump
$119/yr
855 kWh/yr (median 50-gal)
Gas tank
$284/yr
173 therms/yr (UEF 0.64)
Difference
$165/yr
heat pump cheaper
Both use the DOE medium draw test load (55 gallons a day). Gas price: EIA, 12-month avg. through Aug 2026. Replacing gas with a heat pump also means adding a 240V circuit (or choosing a 120V model) and a condensate drain, and the federal HEAR rebate no longer covers gas replacements.
Why Missouri changes the call
01Energy costMissouri electricity is 23% below the national average. That directly affects how much a heat pump saves compared to a standard electric tank.
02Climate impactIncoming water averages 57°F annually and drops to about 43°F in winter. Colder water means the heat pump works harder and real efficiency is slightly lower than rated.
03Available incentivesState and utility rebates can significantly change the payback period. Check what's currently available before finalizing your decision.
Rebates in Missouri
Missouri has 1 rebate program as of November 2026.
The federal $2,000 tax credit (IRA Section 25C) expired December 31, 2025. State and utility rebates listed below may still be available. Verify current status at the links provided.
Ameren Missouri / Evergy Rebates
$200-$400
IRA HEAR Rebate (Point-of-Sale)
Not yet available in Missouri as of November 2026. Up to $1,750 for income-qualified households when available. Under federal guidance effective May 29, 2026, this rebate covers replacing an existing electric water heater (or new construction). Replacing a gas, propane, or oil water heater no longer qualifies.
Missouri has not launched its IRA Home Energy Rebates. As of October 2026, the Missouri Department of Natural Resources says it cannot estimate a launch date and that rebates may not be available until 2027 at the earliest and possibly 2028. The state issued a request for proposals in 2026 for a contractor to design and run the program.
Install requirements in Missouri
Electrical
Dedicated 240V, 30A circuit (most models). Some newer 120V plug-in models exist but most residential units require 240V. Check the unit's nameplate for exact requirements.
Condensate drain
Heat pump water heaters produce condensate during operation. A condensate drain line to an approved location (floor drain, condensate pump, or exterior) is required.
Air space
Approximately 700 cubic feet of surrounding air (roughly a 10x10x7-foot room). The heat pump extracts heat from surrounding air. Insufficient air volume reduces efficiency and can cause the unit to underperform. Some manufacturers allow ducting to supplement air supply in smaller spaces.
Noise
Heat pump water heaters produce operational noise similar to a window AC unit (45-55 dB). Consider placement away from bedrooms.
Best fits for Missouri
A smaller set of representative fits using Missouri's 14.0¢/kWh rate. Curated to show different trade-offs instead of listing every published model on every state page. See the full heat pump lineup.
Prefer to buy online? The 45-gallon Rheem PROPH50 T2 RH400-30 is a heat pump available on Amazon.
Common questions: Missouri
Is a heat pump water heater worth it in Missouri?
Yes. Missouri scores C on RatingPlate's analysis, with estimated savings of $512 per year compared to a standard electric tank. Payback on the higher upfront cost is roughly 4.7 years before rebates.
What rebates are available for heat pump water heaters in Missouri?
Missouri has 1 rebate program. The IRA HEAR program has not launched in Missouri yet. Verify amounts and eligibility at the links in the rebates section above.
How much does a heat pump water heater cost to run in Missouri?
At Missouri's electricity rate of 14.0 cents per kWh, the most efficient heat pump water heater costs about $116/yr to run. A standard electric tank costs about $628 per year.
Do I need a permit for a heat pump water heater in Missouri?
Missouri does not have unusual state-level requirements beyond standard plumbing and mechanical permits. Check with your local building department for jurisdiction-specific rules.
What is the payback period for a heat pump water heater in Missouri?
Without rebates, the payback period in Missouri is approximately 4.7 years based on $512 in annual savings versus a standard electric tank. With available rebates, payback could be significantly shorter.
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Sources
Electricity and natural gas rates: U.S. Energy Information Administration, residential sector (EIA, 12-month avg. through Aug 2026).
Rebate data compiled from state energy offices, utility program pages, DSIRE, and ENERGY STAR. Rebate amounts and eligibility change frequently. Verify at listed program URLs.
Inlet water temperatures estimated from NOAA climate normals using the Burch-Christensen mains water temperature model (NREL).
Model specifications from ENERGY STAR certified product data and manufacturer spec sheets.
Page updated November 1, 2026. Data freshness varies by source.
As an Amazon Associate we earn from qualifying purchases. RatingPlate may earn a commission when you use qualifying Amazon links. Links to Amazon are marked "(paid link)". We never display prices because Amazon prohibits showing prices outside their platform.
