Quick Guide - Payne

My Opinion
Payne is a mid-tier brand that is under the Carrier umbrella of corporations, which is why I can confidently recommend Payne heat pumps. Their compact heat pump models for apartments and condos are some of the best on the market.
3.8
Overall Score
Reliability
3.8
Performance
3.5
Energy Efficiency
3.7
Warranty
4.2
Value for Money
3.8
Strengths
Weaknesses
Payne offers a range of heat pumps to suit various needs and budgets. Here’s a quick summary of what I recommend:
Quick guide to Payne heat pumps
Compact 38MURA
This model is ideal for those with limited space, such as small homes or urban apartments. It stands out for its compact design, efficient performance, and quiet operation, making it an excellent choice for efficiency and flexibility in tighter spaces.
PH7T
For homeowners seeking a balance between cost and performance, the PH7T is an excellent option. It features a high SEER rating for better energy efficiency and a two-stage compressor for improved comfort control, all at a more affordable price point than higher-end models.
PH5S
While the PH5S is a decent option for those on a tight budget or with moderate climate control needs, if you have the capacity to invest a bit more, consider other models. Models like the PH7T or 38MURA, with higher efficiency ratings or advanced features, could offer better long-term value and satisfaction.
If there's one golden rule I've learned from my years in the HVAC world, it's this: Choosing a heat pump isn't something you rush into.
It's a decision that will impact your comfort, energy bills, and peace of mind for years to come.
Here, I’ll deep dive into Payne heat pumps.
With my hands-on experience and insights, I won't just skim over the specs and features; I'll delve into everything you need to know to decide whether Payne is the right heat pump brand for you.
Let's explore what sets them apart and what might be the deal-breakers, ensuring you make an informed decision.
Payne heat pump review – My honest opinion
Now that we've outlined what Payne heat pumps offer, it's crucial to delve deeper and assess whether they truly deliver on these promises.
In this comprehensive guide, I'll jump into the finer details, scrutinizing every aspect to determine if they're as good as advertised.
Let’s see if Payne stands up to the test in the real world.
Pros and cons of buying a Payne heat pump
The good
The bad
How much do they cost?
When considering a Payne heat pump, understanding the cost is crucial.
Based on my experience in the industry, I've seen how prices can vary significantly, not just by model and size but also across different regions.
Pricing by model & size
From smaller units like the compact heat pump to the more robust two-stage models, the price can range quite a bit.
Typically, the cost increases with the size and capabilities of the unit. Here’s an overview:
Payne Model | Cooling Capacity (tons) | Home Size (SF) | System Only Price Range ($) | System Installed Price Range ($) |
|---|---|---|---|---|
PH7T | 2 - 5 | 1001 - 3200 | 2,950 - 8,685 | 4,950 - 10,350 |
PH5S | 1.5 - 5 | 600 - 3200 | 2,575 - 8,685 | 4,300 - 10,350 |
38MURA | 1.5 - 5 | 600 - 3200 | 2,575 - 8,685 | 4,300 - 10,350 |
ACLAB note: The prices are approximate and can vary based on location, installation complexities, and additional features.
Cost variation across US states
The price of a Payne heat pump can also vary depending on where you live in the United States.
Factors like local demand, installation complexities, and even climate can influence the final cost.
In some states, due to environmental conditions and higher demand for advanced systems, the prices can be higher.
Conversely, a more basic model might suffice in regions with milder climates, saving homeowners money.
Model | SEER | Ton | Home Size | Cost (Unit Only) | Cost + Install |
|---|---|---|---|---|---|
PH16NA | 17 | 1.5 – 5 | 900 – 3300 sq. ft. | $2250 | $4750 |
PH16NC | 16 | 1.5 – 5 | 900 – 3300 sq. ft. | $1900 | $4400 |
PH15NB | 15.5 | 1.5 – 5 | 900 – 3300 sq. ft. | $1700 | $4200 |
PH14NB | 14 | 1.5 – 5 | 900 – 3300 sq. ft. | $1450 | $3950 |
What makes Payne heat pumps stand out?

Payne heat pumps offer several key features, making them a standout choice in the HVAC market.
These same features are also evident in their air conditioners, enhancing their overall appeal.
Let’s check them out.
Durable and corrosion resistant paint finish
The durable and corrosion-resistant paint finish is vital for protecting the unit against environmental elements.
I installed a Payne unit in a coastal area where the salty air is harsh on heat pumps and air conditioning units.
The longevity and maintained efficiency of the system were impressive, a testament to this robust finish.
Built-to-last R-410A compressor
Another noteworthy aspect is the built-to-last R-410A compressor. It's comparable to what you'd find in a high-end Carrier heat pump.
In my years in HVAC, I've seen how this compressor reliably manages both cooling and heating demands.
It's a workhorse that mirrors the reliability and performance expected from top-tier units.
Rubberized isolation pads
The rubberized isolation pads are a small but impactful feature designed to minimize operational noise.
I recall installing Payne units in homes where quiet operation was crucial.
The difference these pads make, especially in maintaining a peaceful environment during both summer and winter, is quite remarkable.
From my experience, Payne heat pumps and air conditioners excel when installed correctly.
However, a poorly installed system can significantly detract from their potential.
Easy access for maintenance, coupled with features like a defrost sensor, are critical for their efficient functioning.
Their SEER ratings indicate a balance of cost and efficiency, supported by the single-stage compressor.
How energy efficient are they?
While not all Payne heat pumps are Energy Star certified, they do offer a range of efficient models with high SEER ratings that can provide effective climate control while using less energy.
This efficiency not only benefits the environment but can also lead to significant savings on your electricity bill over time.
The SEER rating (Seasonal Energy Efficiency Ratio) is a key indicator of how efficient a heat pump is.
Essentially, the higher the SEER rating, the more energy-efficient the unit is.
This means less energy is used to provide the same level of climate control, leading to lower electricity bills.
From my experience, Payne air conditioners and heat pumps with higher SEER ratings can make a noticeable difference in energy consumption.
For instance, a Payne 38MURA that is energy-star certified will use significantly less energy compared to a PH5S that’s not certified.
This efficiency becomes particularly evident in areas with extreme temperature fluctuations.
How do the compressors perform?
Compared to other brands, Payne's compressors, regardless of the type, are reliable and efficient.
The choice between them depends on your specific air conditioning needs, the climate you live in, and how often you use your air conditioner.
Each type has its own advantages in terms of performance, energy efficiency, and maintenance requirements.
Variable-speed scroll compressor
The variable-speed scroll compressor is a game-changer in efficiency.
It can ramp up or down its speed based on the cooling and heating needs, which means it's excellent for maintaining a consistent temperature while using less energy.
In my experience, these compressors also require less maintenance, making them a great long-term investment for a new unit.
I remember installing a Payne unit with this compressor in a client's home, and they were amazed at how it maintained a constant temperature with minimal fluctuations.
It's also quieter and typically requires less maintenance, making it a solid choice for a new unit.
Single-stage scroll compressor
Single-stage scroll compressors are more straightforward in their operation. They're either on or off, with no in-between.
While they're simpler and often more affordable than variable-speed models, they might not be as efficient in maintaining consistent temperatures.
However, for many homes, especially in milder climates, a single-stage compressor in a Payne heat pump and air conditioning unit is more than sufficient.
I've recommended these to many homeowners looking for a more budget-friendly option.
While they might not match the efficiency of the other compressors, their straightforward design means fewer complications and reliable performance.
Two-stage compressor
The two-stage compressor is like having the best of both worlds. I've seen these perform well in varying climates, offering flexibility in operation.
They can run at a lower speed for regular cooling and kick into high gear during peak demand.
This balance is perfect for those who need more than what a single-stage can offer but aren't ready to invest in a variable-speed model.
For those who can splurge a little, this is the Payne heat pump I always recommend.
It has some of the good features of a variable-speed compressor, but it doesn’t come with a hefty price tag.
Warranty analysis – How does it stack up?
Payne offers a notably robust warranty for their air conditioning and heat pump units. Most units come with a commendable 10-year parts limited warranty.
This means key components, especially functional parts, are covered for a significant duration.
From my perspective, this is a strong show of confidence in their product's reliability.
In my time installing Payne units, I've rarely had to deal with warranty claims, which speaks to the product's quality.
ACLab note:
Registration is crucial. To avail of the full 10-year warranty, the product must be registered within 90 days of installation. If not registered, the warranty period defaults to 5 years.
This registration step is something I always remind my clients of because it can make a big difference in the long run.
As with most warranties, certain conditions and restrictions apply.
The warranty primarily covers defects in materials or workmanship under regular use and maintenance.
It's important to note that improper installation or maintenance can void the warranty, which is why choosing a qualified installer is crucial.
Overview of the Payne heat pump models
Throughout my years working with Payne heat pumps, I've come to appreciate the diversity of their models.
Each series caters to unique needs and preferences, and I've had first-hand experiences with many of them.
Here’s a quick look at their offerings:
Two-stage heat pump
The two-stage heat pump models are Payne's higher-end offerings.
They stand out for their ability to adjust heating and cooling output more precisely, which is excellent for maintaining consistent temperatures.
These models are ideal for homeowners looking for a balance between performance and energy efficiency.
They are particularly well-suited for larger homes or businesses where maintaining a constant temperature is key.
Compared to single-stage models, they offer more refined control over temperature and airflow, with potentially higher SEER ratings.
I recall installing one in a large family home, and the owners were a fan of its ability to maintain a steady cool and hot temperature.
It's perfect for those who prioritize comfort and are willing to invest in a new system that offers efficient energy use.
Single-stage heat pump
Single-stage heat pumps like the Payne 15 SEER heat pump are the company's more traditional offerings.
These models are a top choice for those looking to replace an old system without breaking the bank.
They're typically less expensive than two-stage models and are a great fit for smaller houses or those with less demanding heating and cooling needs.
I installed a Payne 3-ton unit for a small house, and the owners were satisfied with its straightforward performance.
It's an ideal option for those replacing an older unit but not requiring advanced features.
In the same series, a 4-ton heat pump better suits a medium-sized house or small business, offering greater capacity without a huge jump in price.
Compact heat pump
The compact heat pump 38MURA is designed for spaces where a traditional unit might not fit.
This model is an excellent option for smaller homes or businesses with limited outdoor space.
Despite its size, it doesn't compromise efficiency and can be a smart choice for those looking to save money on a new system.
While it may not have the capacity of larger models, it's an efficient solution for targeted heating and cooling.
I've seen it fit perfectly in urban homes with limited outdoor space.
Popular Payne heat pumps models compared
Payne offers a range of heat pump models tailored to different needs and preferences. Let's compare three of their popular models.
Model | SEER | Ton | Compressor Type | HSPF |
|---|---|---|---|---|
PH16NA | 17 | 1.5 – 5 | Two-Stage | 9.5 |
PH16NC | 16 | 1.5 – 5 | Single-Stage | 9 |
PH15NB | 15.5 | 1.5 – 5 | Single-Stage | 9 |
PH14NB | 14 | 1.5 – 5 | Single-Stage | 8.5 |
HVAC installation options for homeowners
Installing a Payne heat pump in your home involves several important considerations, from understanding installation fees to finding a reliable contractor.
Here's my take on these aspects, based on years of experience in the field.
Guide to installation fees
Installation fees can vary widely depending on several factors, like the model of the heat pump, the complexity of the installation, and the geographical location.
Generally, when shopping for a new heat pump, it's wise to factor in these fees as part of your overall budget.
Remember, opting for a more feature-rich or higher-capacity unit like a heat pump package unit might result in higher labor costs due to the complexity of installation.
However, higher SEER units may save you more money in the long run.
Let’s compare the yearly electricity costs for different SEER ratings (assuming 1,000 hours of operation and an electricity cost of $0.1319 per kWh):
How to find a reliable HVAC professional
A straightforward way to start is by asking for recommendations from friends or family who've had similar work done.
I also recommend looking for installers with good reviews and a track record of handling Payne units.
Always check for certifications and licenses, as these are indicators of a professional's expertise, especially in troubleshooting and installing complex systems.
A good contractor will not only install the unit but also provide guidance on its maintenance and efficient use over many years.
Payne heat pump installation tips
When it comes to installing a Payne heat pump, there are a few tips to keep in mind:
Installation of a Payne heat pump is a significant undertaking that requires thoughtful consideration and planning.
By understanding the costs involved, finding a reliable installer, and considering other factors like unit features and installation location, you can ensure a smooth and efficient installation process.
Remember, a well-installed system not only provides comfort for many years but also brings savings and peace of mind.
Does Payne qualify for tax credit benefits?
The eligibility of Payne heat pumps for tax credits largely depends on their energy efficiency.
Generally, models with higher efficiency ratings, indicated by their SEER, are more likely to qualify for these credits.
Payne air conditioners and heat pumps that are ENERGY STAR certified are particularly promising candidates for these tax credits.
For example, a high-efficiency model like the Payne 38MURA heat pump, known for its superior energy efficiency, could offer greater tax credit benefits than a standard efficiency model.
This is because the government's tax credit program is designed to encourage homeowners to invest in equipment that consumes less energy, leading to long-term savings on electricity bills and a reduced environmental impact.
Some things you need to consider if you want to avail of the tax credit benefits of Payne heat pumps:
Related article: Learn how to qualify for HVAC federal tax credit
Homeowner & buyer reviews
While I am confident in my own opinions on the Payne brand, I do think it's also important to throw a wide net in your own research. Here's what others are saying about Payne heat pumps across the Internet:
I put a bunch of them in when I was in Miami. Never really had any problems with them. They are basically a builders grade unit! - Professional Installer from Florida
This Reddit reviewer agrees with me that Payne is basically "budget Carrier."
Of course. Not all contractors will agree! The one thing that we can all tell you, though, is that the installation is far more important that the actual product when it comes to heat pumps.
Payne is a brand of Carrier, but they are really cheaply made and not the same as the Carriers.....You are comparing apples to oranges.....Payne is at the absolute bottom of the heap of everything that Carrier makes......The quality of installation and the contractor is the most important part, not the brand. In terms of equipment quality, whether you're buying builder grade, middle of the line, or top of the line matters much more than the specific brand. The brands are pretty similar to each other quality wise when you compare equivalent units. -HVAC tech review
How do Payne heat pumps compare to top competitors?
In the HVAC market, comparing brands is crucial to finding the right fit for your needs. Here is how Payne heat pumps stack up against other popular brands.
Payne vs Goodman heat pumps
In my experience, both Payne and Goodman offer quality products at some of the best prices in the market.
Goodman heat pumps often have a reputation for robustness, especially in extreme conditions.
However, Payne units, in my opinion, have consistently delivered in terms of reliability and quality parts.
The choice between the two often comes down to specific model features and pricing.
Related article: Goodman heat pumps reviewed
Payne vs Bryant heat pumps
Payne and Bryant are pretty identical, primarily because they're both part of the same parent company.
However, Bryant's models tend to incorporate more innovative technologies.
I've installed both brands and found that while Bryant might offer slightly advanced technology, Payne provides a more budget-friendly option without significantly compromising quality.
The deciding major factor here often relates to the specific environment and reliability needs of the homeowner.
In my installations, I've noticed Bryant's slightly higher performance, but Payne usually wins in affordability, offering solid reliability without a steep price tag.
Related article: A thorough review of Bryant heat pumps
Payne vs Comfortmaker heat pumps
Comfortmaker is another brand that competes closely with Payne. In my work, I've noticed that Comfortmaker focuses on efficiency and user-friendly features.
On the other hand, Payne often excels in providing durable and reliable systems that hold up well over time.
When choosing between these two, weighing the importance of cutting-edge features against long-term dependability and cost-effectiveness is a good idea.
Related article: Comfortmaker heat pumps reviewed thoroughly
FAQs
Is Payne made in the USA?
Yes, Payne products are manufactured in the United States. They have production facilities that ensure their products, including heat pumps, are made domestically.
Are Payne and Carrier the same?
Payne is a part of Carrier Corporation, but they are not the same. While Payne operates under the Carrier umbrella, it has its own brand identity and product line. Some of their products may share similar features due to the shared technology and resources within the company.
What company owns Payne?
Payne is owned by Carrier Corporation, a world leader in high-technology heating, air-conditioning, and refrigeration solutions. Carrier Corporation itself is a part of United Technologies Corp.
How long do Payne heat pumps generally last?
Payne heat pumps, with proper maintenance and care, typically last between 15 to 20 years. The lifespan can be influenced by factors such as installation quality, usage patterns, and regular maintenance. Regular servicing and proper usage can help ensure these units last as long as possible.
Summary | Is a Payne heat pump right for you?
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In my experience, Payne heat pumps are an excellent choice for homeowners seeking a balance between cost and performance.
No matter what model you choose, they are reliable, efficient, and offer good value for money, making them ideal if you're looking for quality without the high expense.
However, if your priority is the latest in HVAC technology or you live in an area with extreme climate conditions, you might want to explore other options.
Ultimately, Payne stands out for its blend of affordability, efficiency, and durability in everyday use.




