Dan Simms

Written By

Dan Simms

Dan Simms

Written By

Contributor

Dan Simms worked in real estate management for five years before using his experience to help property owners maintain their own homes. He got his master’s degree in English Literature and Creative Writing, and he now enjoys sharing his knowledge about homeownership and DIY projects with others on Today’s Homeowner. When he’s not writing, he’s usually outdoors with his wife and his dog, enjoying mountain biking, skiing, and hiking.

Reviewed By

Andrew Dunn

Reviewed By

Andrew Dunn

Senior Editor

Andrew Dunn is a veteran journalist with more than 15 years of experience reporting and editing for local and national publications, including The Charlotte Observer and Business North Carolina magazine. His work has been recognized numerous times by the N.C. Press Association and the Society of American Business Editors and Writers. He is also a former general contractor with experience with cabinetry, finish carpentry and general home improvement and repair. Andrew earned a degree in journalism from the University of North Carolina at Chapel Hill, as well as a certificate in business journalism. He lives in Charlotte, N.C.

Updated On

April 13, 2023

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    Before you rush out to purchase a new home heating system, you should take some time to understand your options. There are more home heating options today than ever before, and understanding the pros and cons of each will help you get the right system for your home.

    In this article, we break down the seven most common types of home heating systems, from baseboards to radiant floor heating and everything in between. We compare each system based on how much it costs to install, maintenance costs, efficiency, and more. And once you’ve chosen the type of heating you want, you can use our convenient tool to find an HVAC company near you to install it.

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    Highlights
    • The right heating system for your home will depend on where you live and the size of your house.
    • Heat pumps and ductless mini-split systems work best in warmer climates.
    • In colder areas, you might need to consider a furnace system.

    7 Common Types of Heating Systems

    There are seven common types of heating systems that you’re likely to encounter in residential settings:

    The following sections will cover each system individually, highlighting their advantages and disadvantages, as well as explaining what types of homes they work well in and who we recommend them for. Let’s get started.

    Baseboard Heating

    Baseboard heating uses floorboards installed throughout a home to supply heat via a network of pipes or electric heating elements. In both cases, heating elements heat up the air around them, which circulates throughout the room via convection. In some cases, it may be necessary to improve the air circulation in your home to get the most out of baseboard heating.

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    Baseboard heating is perfect for people who live in homes without ductwork and for those for whom installing ducts—and a central heating system—is prohibitively expensive. It also works well as a supplemental heat source for people who live in colder climates. An electric baseboard heating system is a good addition to a home that has a gas furnace, for example.

    Another advantage to baseboard heating is that it is inexpensive. Installing baseboard heating is more affordable than installing a ductless mini-split or a heat pump, and it costs less to maintain.

    The video below includes information about what a baseboard heating system is and how it works:

    Baseboard Heating Pros and Cons

    Pros

    • Affordable
    • Allows you to control the temperature of individual rooms
    • Doesn’t require ductwork

    Cons

    • Not the most efficient heating method
    • Uneven heating can be a problem in homes with poor airflow

    Boiler or Radiator Heating

    Boiler or radiator heating uses a centralized water boiler to create hot water or steam that is then used to heat your home. Hot water or steam is circulated through a series of pipes to radiators or baseboard heaters located in rooms throughout your home.

    The radiators and baseboards heat up the air before returning to the boiler to be reheated. You might hear systems that use hot water to carry the heat called hydronic systems, but it only refers to the fact that they’re using water.

    These systems are reliable and provide consistent heating throughout your home, but they’re not as efficient as some modern options, like heat pumps. Boilers and radiators are more affordable to install than a full heat pump system, but are more expensive than installing electric baseboard heating.

    The video below explains how this type of heating system works:

    Boiler or Radiator Heating Pros and Cons

    Pros

    • Provides even heating throughout your home
    • A well-maintained boiler can last 15-20 years
    • Doesn’t dry out the air in your home as much as forced air systems

    Cons

    • Maintenance can be expensive
    • Require a separate cooling system for the warmer months
    • Take up a lot of space

    Ductless Mini-Split

    Ductless mini-splits are modern heating systems that use electricity to heat your home. One of the main benefits of ductless mini-splits is right in the name: they don’t require behind-the-wall duct systems. This makes them more affordable to install than a heat pump and air duct system and significantly easier to maintain.

    Mini-splits also have a major advantage over the heating systems we have covered so far: they can also cool your home when it’s hot outside. Ductless mini-splits use an indoor air handler and evaporator coil together with an outdoor compressor and condenser coil to move heat around as needed. Unfortunately, mini-splits are not very energy-efficient when the temperature outside drops below freezing, so they’re usually used as part of a hybrid heating system that uses a single thermostat to control a furnace or boiler.

    We recommend ductless mini-splits for a wide range of homeowners, but especially those who live in moderate climates. Ductless mini-splits are not as affordable as the cheapest baseboard setups, but they’re more affordable than heat pumps—and their energy efficiency will save you money on electricity bills.

    The video below explains how ductless mini-splits work in your home:

    Ductless Mini-Split Pros and Cons

    Pros

    • High efficiency leads to big energy savings
    • Doesn’t require any ductwork
    • Can be used for both heating and cooling

    Cons

    • Need multiple units to heat separate rooms
    • Doesn’t work well in cold climates

    Electric Space Heater

    Electric space heaters are low-powered portable appliances that can be used to take the chill out of a room, but shouldn’t be used as a primary means of heating your home. They work well in warmer climates where you don’t need much heating, even during the winter.

    Space heaters are inefficient, which makes them much more expensive to run than a proper whole-house heating solution. If you’re looking for something to use for an hour or so in the morning for a few weeks of the year, an electric space heater will work well. Otherwise, you should invest in a more robust heating system.

    You can check out the video below for more information on how space heaters work to heat your living area:

    Electric Space Heater Pros and Cons

    Pros

    • Portability makes it easy to move from room to room
    • Inexpensive
    • Only require an outlet to run

    Cons

    • Very inefficient
    • Can’t handle heating an entire house
    • Can be a fire hazard if left unattended

    Forced Air Heating

    Forced air heating—also commonly referred to as furnace heating—is the most common type of residential heating system. Furnaces can run on natural gas, oil, propane, or electricity—so you can install one almost anywhere. Forced air systems use a blower to supply heated air to the rooms of your house through a network of ducts. A benefit of this design is that you can pair a forced air heating system with central air conditioning and take advantage of the ductwork year-round.

    Installing a furnace in a home without existing air ducts is an expensive and time-consuming process, so we recommend them mostly to homeowners who already have ductwork in place. You might want to invest in a humidifier if you decide to go with a furnace heating system, since they tend to dry out the air inside your home.

    The video below explains how forced air heating systems work to heat your home:

    Forced Air Heating Pros and Cons

    Pros

    • Can run on a variety of fuel sources
    • Complements central air conditioning
    • Very efficient

    Cons

    • Gas furnaces can be dangerous due to the carbon monoxide they produce
    • Maintenance can be difficult
    • Can be noisy and take up a lot of space

    Heat Pump

    Heat pumps are air conditioners that can run in reverse to produce heat, making them extremely versatile. They use a refrigerant, just like an air conditioner, to extract heat from warm air, pumping it into your home when you want to heat it and out when you need to cool it. Heat pumps require ductwork, but otherwise function exactly like a ductless mini-split. In fact, ductless mini-splits are technically heat pumps; they just don’t use ducts to transport air throughout your home and use a direct distribution system instead.

    One of the biggest advantages heat pumps have over other home heating systems is their efficiency. It’s not uncommon to see relatively affordable heat pumps with SEER ratings in the 20-24 range, and some even reach ratings near 30 SEER. This makes heat pumps eligible for rebates and tax credits, which helps offset their relatively high installation costs. If you’re not on a tight budget and want a heating system that’s quiet, efficient, and will reduce your monthly energy bills, go with a heat pump. Heat pumps may also increase the value of your home, making them a safe investment in most cases.

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    One caution: Heat pumps don’t work well in cold climates. When the temperature drops below freezing, heat pumps are far less efficient and will struggle to provide enough heat to keep your home comfortable.

    The video below explains how heat pumps work in your home:

    Heat Pump Pros and Cons

    Pros

    • Extremely energy-efficient in moderate weather
    • Eligible for tax credits and rebates
    • Can be used for both heating and cooling

    Cons

    • Require ductwork to function
    • 10-15 year lifespan is shorter than other heating systems

    Radiant Floor Heating

    Radiant floor heating, or just radiant heating, is a type of heating mechanism that uses a network of pipes carrying hot water beneath the floor to heat your home. The hot water in the pipes heats the floor, which heats the air and causes it to rise and circulate throughout the room. Radiant heating is very expensive to install and is considered a premium option.

    One of the biggest advantages of radiant heating is how efficient it is. The water used in radiant heating systems has a lower temperature than the water used in a boiler/radiator setup, which means radiant heating uses less energy overall. You can also use renewable energy sources like solar heating or geothermal heat pumps to heat the water in a radiant heating system, making it even more affordable and efficient.

    Radiant heating is great for people with allergies or people who are affected by breathing dry air in the winter since it doesn’t affect your indoor air quality the way forced air systems can. Radiant heating is safer, more effective at heating your home evenly, and more energy-efficient—the only downside is the cost.

    The video below includes an explanation for how radiant floor heating works:

    Radiant Floor Heating Pros and Cons

    Pros

    • Extremely efficient
    • Provides even heating throughout your home
    • Very effective in colder climates

    Cons

    • It is the most expensive option to install
    • When something goes wrong, fixing it is a hassle

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    Which Factors Should You Consider When Choosing a Heating System?

    If you’re having trouble choosing a home heating method, don’t worry—you’re not alone. All of the home heating systems we covered above provide the same basic function, so choosing between them can be confusing. To make your life a little bit easier, we’ve gone ahead and summarized the four most important factors you need to consider before you buy.

    • Cost: Determining your home heating budget is a great way to narrow down your choices. Don’t forget to include an estimate for the monthly cost of running the system, as that can make a huge difference to the long-term cost of choosing one system over another.
    • Comfort and convenience: If you’re not on a tight budget, consider paying a bit more for a heating system that’s easy to maintain. Some budget heating systems seem great when they’re new but quickly become more trouble than they’re worth when it comes time to service them. Also, don’t overlook the importance of comfort—living with a suboptimal heating system for your climate gets old quickly.
    • Energy Efficiency: Choosing an energy-efficient heating system can save you money in two ways. First, it will lower your energy bills. Second, highly efficient systems like heat pumps are often eligible for tax incentives and government rebate programs, which makes them easier to afford from the start.
    • Maintenance and repair: Choosing a system that’s easy to maintain and doesn’t require expensive repairs is always a good idea. Of course, you can’t predict the future, but you should be prepared for some hefty maintenance bills if you choose an oil burner, for example.

    Which Type of Heating System Do We Recommend?

    We recommend a heat pump or ductless mini-split to most homeowners. These systems are incredibly efficient, provide even heating, and can provide both heating and cooling—eliminating the need for a separate cooling system. If you live in a cold climate, be aware that heat pumps and mini-splits don’t work as well in extremely cold air, so you should consider a hybrid system that uses a furnace or oil burner as a backup.

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    FAQs About Heating Systems

    How often should I replace my heating system?

    It depends on what kind of heating system you have. Oil burners and furnaces typically last between 15 and 25 years, while heat pumps and ductless mini-splits have shorter lifespans, usually between 10 and 15 years. It’s important to replace your heating system when it nears the end of its lifespan, since some systems pose health risks as they age. Replacing an HVAC system that uses a boiler system or water heater is a headache—but the risk of inhaling dangerous emissions like carbon monoxide makes it worth the time and money.


    Are there any rebates or tax incentives for installing a new heating system?

    There are rebates and tax incentives available for people who install efficient heating systems. Depending on their efficiency rating, heat pumps, ductless mini-splits, and geothermal heating systems may be eligible for discounts. You should ask your HVAC tech whether they carry any systems that are eligible for rebates or credits before you decide on a system.


    Which type of heating system is the most efficient?

    Geothermal heat pumps and air source heat pumps are generally considered to be the most efficient type of home heating system. Geothermal heat pumps are ground-source systems that transfer heat to the Earth during the summer and extract heat from the Earth during the winter. Air source heat pumps are not as efficient as geothermal pumps, but they’re more efficient than other options like furnaces and oil burners.


    Can I install my heating system myself?

    Some types of heating systems—like ductless mini-splits and electric space heaters—are easy to install for people with above-average DIY skills. Others, like in-floor radiant heating or radiator heating, require more expertise and are best left to a professional.


    Editorial Contributors
    Dan Simms

    Dan Simms

    Contributor

    Dan Simms worked in real estate management for five years before using his experience to help property owners maintain their own homes. He got his master’s degree in English Literature and Creative Writing, and he now enjoys sharing his knowledge about homeownership and DIY projects with others on Today’s Homeowner. When he’s not writing, he’s usually outdoors with his wife and his dog, enjoying mountain biking, skiing, and hiking.

    Learn More

    Andrew Dunn

    Senior Editor

    Andrew Dunn is a veteran journalist with more than 15 years of experience reporting and editing for local and national publications, including The Charlotte Observer and Business North Carolina magazine. His work has been recognized numerous times by the N.C. Press Association and the Society of American Business Editors and Writers. He is also a former general contractor with experience with cabinetry, finish carpentry and general home improvement and repair. Andrew earned a degree in journalism from the University of North Carolina at Chapel Hill, as well as a certificate in business journalism. He lives in Charlotte, N.C.

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