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Yes, geothermal heat pumps are worth the money. You can save about 70% on heating costs in the winter and around 50% on cooling costs in the summer with a geothermal heat pump compared to a traditional HVAC system. Over time, your savings on monthly utilities will pay for the cost of the geothermal heat pump installation. If you have an incredibly small yard, however, you may not have enough space for this type of system.

Service costs range from $200 to $1,500, depending on maintenance needs, system age, and labor.

The most obvious downside is the high upfront cost of buying and installing one of these systems. Additionally, sometimes the system can take a longer time to heat than alternatives like a boiler. Also, if something goes wrong with the geothermal pump, repairs are often significantly more expensive than repairing traditional, above-ground heat pumps.

There are three main types of heat pumps. An air-source heat pump system is the most common and has two parts—an indoor air handler unit and an outdoor heat pump unit. A ductless heat pump system functions similarly to an air-source heat pump system but doesn’t need ductwork to distribute the air. A geothermal heat pump system pulls heat from the ground to help heat your home.