Should I replace my AC or go solar first in Florida?

In Florida the air conditioner drives the electric bill. Here's how to decide between a new AC and solar, which utility rebates apply in 2026, and why doing both in the right order saves money.

By the FL Solar Deals Editorial Team · Updated October 2026 · How we research

Quick answer

If your AC is old or failing, fix it first, then size solar to the new, lower usage. Air conditioning is 28% of Florida home energy use, versus 9% nationally, per EIA. FPL, Duke Energy Florida and Tampa Electric all offer AC rebates, but the federal heat pump credit ended after 2025. A newer AC makes the solar system you need smaller.

How much of a Florida electric bill is air conditioning?

A lot. In EIA's 2020 survey, air conditioning made up 28% of total home energy use in Florida, compared with 9% nationally, and 96% of Florida households used AC. Tampa Electric says AC can be more than half of a summer bill. See the average electric bill in Florida.

Should I replace my AC before getting solar?

If the unit is old, inefficient or near failure, usually yes. Solar is sized to your yearly use, so if you go solar first and later install a more efficient AC, you may end up with more panels than you need, and Florida pays only a low avoided-cost rate for extra credit at year end. Studies and state energy offices note that efficiency upgrades done first can shrink the solar system you need.

If your AC is fairly new and working well, there's no reason to wait: get solar quotes sized to your current use. See how many solar panels you need.

What efficiency should a new AC in Florida have?

Since January 1, 2023, new split central air conditioners in the Southeast must meet at least 14.3 SEER2 under federal rules, and split heat pumps 14.3 SEER2 and 7.5 HSPF2. SEER2 uses a tougher test, so the same unit rates a few percent lower than under the old SEER scale. All three utility rebates below start at 15.2 SEER2, the ENERGY STAR level.

Can I still get an R-410A air conditioner in 2026?

Yes, for now. An EPA rule effective July 27, 2026 lets installers keep putting in R-410A systems made or imported before January 1, 2025, but no new complete R-410A systems are being made, so supply will run out. New systems use A2L refrigerants such as R-454B, and those parts aren't interchangeable with R-410A equipment.

If a contractor quotes a leftover R-410A unit, ask about the future cost of refrigerant for repairs. If you go with a new A2L system, plan to replace the indoor and outdoor units together.

Do I need a load calculation to replace an AC in Florida?

Often. Florida's energy code has required a recognized sizing calculation at permit for full replacement of the outdoor and indoor units since 2012, but counties apply it differently: Collier County asks for a Manual J with every change-out, while Jupiter asks only when the system is being resized.

Ask for the calculation either way. A unit sized to the house as it is now, after any duct or insulation fixes, runs more efficiently and dehumidifies better than an oversized one, and it lowers the kWh your solar has to cover.

How old is too old for a Florida air conditioner?

ENERGY STAR suggests considering a replacement once a heat pump or air conditioner is more than 10 years old, and says a properly installed ENERGY STAR unit can save up to 20% on heating and cooling costs. In Florida's heat, contractors commonly cite a shorter life than the national average, especially near the coast.

If your system is past 10 years and you're planning solar, replace the AC first so the solar system is sized to the new, lower load.

What AC rebates do FPL, Duke and Tampa Electric offer?

Residential AC and heat pump rebates (check current terms before you buy)
UtilityRebateKey requirement
FPL$200 instant credit15.2 SEER2 or higher, through a participating contractor
Duke Energy FloridaUp to $1,000 for heat pumpsFree Home Energy Check within the past 24 months
Tampa Electric$40 at 15.2 SEER2, $550 at 16.2 SEER2Replacing an older ducted system; apply within 90 days

Duke's program also offers up to $800 for attic insulation and up to $450 for duct testing and repair. The federal energy efficient home improvement credit (25C), which covered heat pumps, ended for equipment placed in service after December 31, 2025.

What cheaper fixes cut AC costs first?

  • Seal the ducts. ENERGY STAR says a typical home loses 20 to 30% of the air moving through its ducts to leaks. In an older Florida Solar Energy Center study of central Florida homes, duct repair cut cooling energy 18%.
  • Raise the thermostat. FPL suggests 75 to 78°F when you're home and up to 82°F when you're away, and says each degree between 75 and 78 saves 3 to 5% of monthly cooling costs.
  • Add attic insulation. Duke rebates insulation for homes with R-19 or less in the attic.

Once usage is down, solar covers what's left. Pairing it with a battery keeps the AC's fan and some cooling running in an outage. See whole-home battery backup.

Sources

  1. U.S. EIA: RECS 2020 state data release, air conditioning in Florida homes
  2. U.S. EIA: Today in Energy, home energy use by region and state (RECS 2020)
  3. Tampa Electric: High summer bills
  4. Center for Sustainable Energy: Energy efficiency motivations and actions of California solar homeowners
  5. Hawaii State Energy Office: General guide to going solar (June 2025)
  6. EnergySage: Pairing solar and energy efficiency
  7. IEA: Updated U.S. efficiency standards for central air conditioners and heat pumps (2023)
  8. FPL: Residential air conditioning rebate
  9. Duke Energy Florida: Home Energy Improvement, HVAC replacement
  10. Orange Observer: Duke Energy expands rebate program (June 2025)
  11. Tampa Electric: Heating and cooling rebates
  12. Tampa Electric: Enhanced programs help customers save (2025)
  13. IRS: Energy efficient home improvement credit
  14. IRS: FAQs on changes to Sections 25C, 25D and other credits under the 2025 law (Public Law 119-21)
  15. ENERGY STAR: Duct sealing
  16. Florida Solar Energy Center: Duct repair study in central Florida homes
  17. WQCS: FPL tips help Florida households cut summer energy bills (July 2026)
  18. NAHB: EPA final rule on R-410A HVAC installations (May 2026)
  19. ACHR News: EPA removes R-410A installation deadline (2026)
  20. ACHR News: Where the A2L transition exposes install shortcuts (2026)
  21. Florida Building Commission: 2012 supplement to the Florida Building Code, Energy
  22. Collier County: Manual J requirements for air conditioning change-outs
  23. Town of Jupiter: Residential air conditioning permit requirements
  24. ENERGY STAR: When to replace heating and cooling equipment

This guide is general information, not tax, legal or financial advice. Incentive programs change, so confirm current terms with your installer, your utility and a tax professional.

Frequently asked questions

Should I get a new AC or solar panels first?

If your AC is old or failing, replace it first, then size solar to your new, lower usage. If your AC is fairly new, there's no reason to wait on solar.

Does FPL give a rebate for a new AC?

Yes. FPL offers a $200 instant credit on qualifying AC and heat pump systems of 15.2 SEER2 or higher installed by a participating contractor. Check FPL's current terms.

Is there a federal tax credit for a new AC or heat pump in 2026?

No. The federal energy efficient home improvement credit ended for equipment placed in service after December 31, 2025.

Can you still install an R-410A AC in Florida in 2026?

Yes, if the unit was made or imported before January 1, 2025. An EPA rule effective July 27, 2026 lets those units be installed until supplies run out. New systems use A2L refrigerants such as R-454B.

Do I need a Manual J to replace my AC in Florida?

Often. Florida permits for a full change-out generally call for a sizing calculation, but counties differ: Collier requires a Manual J with every change-out, while Jupiter asks only when resizing.

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