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DUCTLESS MINI SPLIT SYSTEMS | NORTHERN COLORADO

Ductless heating and cooling for homes without ducts, additions and shops. We size, install, and service.

DUCTLESS MINI SPLIT SYSTEMS IN NORTHERN COLORADO

Ductless mini split systems in Northern Colorado solve two problems at once: they heat and cool rooms that ductwork never reached, and they do it without tearing open finished ceilings.

We at Homegrown Heating and Air Conditioning size, permit and install ductless mini splits across Northern Colorado, single head and multi head. Licensed and insured throughout Northern Colorado, with a load calculation behind every proposal.

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Where Ductless Mini Split Systems Make Sense in Northern Colorado

  • Older homes with no duct system, or with ducts that never served a finished basement or upper floor
  • Additions, bonus rooms and converted garages where extending existing ductwork is impractical
  • Detached shops, studios and offices on the same property
  • Rooms that run hot or cold no matter what the central system does
  • Replacing electric baseboard heat, which can carry a great rebate in our region

How Ductless Units Are Rated, and Why It Confuses People

There is no separate ENERGY STAR base tier for ductless mini splits. They certify under the same Heat Pump Split Systems category as ducted equipment, which is why searching for a ductless-specific efficiency threshold turns up nothing.

The one place ductless equipment is broken out is the Cold Climate table. There, a non-ducted unit is held to 15.2 SEER2 and 8.5 HSPF2, a higher heating seasonal bar than the 8.1 HSPF2 asked of a ducted cold climate system. Both also have to hold at least 70% of their 47 degree F heating capacity at 5 degrees F. As of October 1, 2026, some electric utilities also require the system to cover 100% of the home’s total heating load to qualify for their rebate.

When a mini split is going in as primary heat, that Cold Climate listing is the qualification we look for first. It is what most rebate programs key on.

Ductless Rebates in Northern Colorado, September 2026

Program Ductless amount Notes
Efficiency Works, non-ducted $500 per ton Fort Collins Utilities, Loveland Water and Power and Estes Park Power and Communications customers
Efficiency Works, replacing electric baseboard $1,000 per ton The highest per ton ductless payment available locally
Xcel Energy, non-ducted cold climate, half the home or more $1,500 per heating ton with bonus, $750 standard Amounts effective October 1, 2026
Xcel Energy, supplemental use $500 flat Garage, addition or single room
Colorado heat pump tax credit $1,000 for air source, at least $333 passed through We are registered with the Colorado Energy Office, so we claim it and the discount appears on your invoice

Rebates, tax credits and rebate amounts are not guaranteed and are subject to change at any time. We confirm what is currently available for your address before anything is ordered.

Read that table with two cautions. There is no federal tax credit for a 2026 installation. The federal 25C credit covered improvements only through December 31, 2025.

And the Colorado credit applies to ENERGY STAR certified, AHRI matched space conditioning equipment designed to meet at least 80%, and sometimes 100%, of a home’s annual heating needs, which is a question we check on a single room installation rather than assume. You file nothing. Efficiency Works also requires an application within 45 days and a home at least one year old.

What a Quality Ductless Mini Split Installation Involves

A mini split is not a plug-in appliance. The parts that decide whether it performs for fifteen years are mostly invisible once the covers go on.

  • Line set routing and support. The residential code requires refrigerant piping to be fastened to a permanent support within 6 feet of the condensing unit.
  • Evacuation and charge. Line sets are pulled down to a deep vacuum and verified, then weighed in to the manufacturer’s charge specifications for the actual line length.
  • Condensate. Drains are run at a minimum one percent slope to an approved point of disposal, and never where the discharge becomes a nuisance at a street or alley.
  • Locking access caps. Outdoor refrigerant access ports have to be fitted with locking tamper resistant caps.
  • Head placement. Throw, return path and sight lines get discussed with the homeowner before anything is installed.

What a Customer Said

Matt Ladwig had a mini split system installed by Peter and the crew. His home’s construction created several complications that made the work harder than a typical install, and he noted that the team asked his opinion on placement before committing to it.

“Peter and his team did a fantastic job installing a Min-Split system in my house!”
“I consider myself a pretty picky person, and there literally wasn’t a detail missed!”

Asking before drilling is the part we would point to. Head placement, line set path and outdoor unit location are permanent decisions, and they belong to the homeowner as much as to the installer. If your project also involves fixing the duct system that failed those rooms in the first place, that work is covered on our ductwork repair and sealing page. Read more customer reviews from Northern Colorado homeowners.

Ready for a Ductless Quote?

We will confirm your jurisdiction, run the load, tell you whether the system can serve as primary heat, and put the rebate math in writing before anything is ordered. Contact Homegrown Heating and Air Conditioning to get started.

By the team at Homegrown Heating and Air Conditioning.

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BRANDS WE INSTALL AND SERVICE

We repair every major brand, whether or not we installed it. On replacements we recommend based on your load and budget, not on whose rebate is best this quarter.

Trane Carrier Lennox Rheem Goodman Amana Bryant American Standard York Daikin Mitsubishi Electric Payne Ruud Armstrong Heil …and most others
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WHERE WE WORK

DUCTLESS MINI SPLIT SYSTEMS ACROSS NORTHERN COLORADO

If you’re in NoCo, you’re in our neighborhood. We drive to you fast, and with the common furnace parts already on the van.

Map of the Homegrown Heating and Air service area across Northern Colorado, from Livermore to Lafayette
GOOD TO KNOW

FREQUENTLY ASKED QUESTIONS

Can a ductless mini split be the only heat source in my Fort Collins home?

Only if it qualifies. Inside city limits an all-electric primary central heating system has to be a ground source or cold climate heat pump designed for the winter outdoor design temperature, and electric resistance strip heat is limited to emergency backup or to supplemental heat below 15 degrees F. A cold climate rated ductless system can meet that. A standard one generally cannot.

Is the rule different in Windsor, Greeley or unincorporated Weld County?

Yes. Unincorporated Weld County adopted a provision expressly barring the county from limiting gas or propane appliances in new buildings, which is the opposite posture from Fort Collins. Each jurisdiction on the Front Range adopts and amends its own codes, so we confirm the address before we specify equipment.

Do I need a permit for a mini split in Fort Collins?

Yes. Mini splits are named on the City of Fort Collins mechanical permit list, at $65 per heating appliance. Where the mini split is intended as primary heat, the city also requires Manual J, D and S calculations submitted with the application.

Will a ductless system heat a Colorado garage or shop in January?

It can, if it is sized against the real load. Larimer County’s 99% heating design temperature is about 1 degree F, so an uninsulated or lightly insulated shop needs either more capacity or better envelope work before the equipment is selected. We run the numbers rather than quote by square foot.

Are mini splits a good fit for an older home with no ductwork?

They are one of the better options in the older parts of Fort Collins, where adding a duct system means opening finished plaster and losing closet space. If your home does have usable ducts, a ducted system is often the cheaper path, and our heat pump installation and repair page covers that comparison.

Can one mini split handle cooling too?

Yes. Every ductless heat pump we install cools as well as heats, on the same refrigerant circuit. If you are weighing ductless cooling against a central system, our air conditioning installation page lays out the ducted option, and our Fort Collins service page covers the areas we work in.

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WHAT YOUR NEIGHBORS SAY

Real reviews, from real Northern Colorado home owners

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“Dan was great! He diagnosed and fix our furnace issues quickly. He made great recommendations and walked us through all our options. Highly recommended!”

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“Dan arrived on time. He was helpful in answering questions and providing education on our service.”

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“Very quick response time and easy to work with. Highly recommend.”

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Matthew Vaught

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“Dan was great! He explained everything about the service to be performed and successfully completed the work!”

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