Systems like that are floor radiant heating using pex water tubes embedded beneath the flooring. Geothermal heatpumps circulate water loops into the ground to d

Systems like that are floor radiant heating using pex water tubes embedded beneath the flooring. Geothermal heatpumps circulate water loops into the ground to dump heat in the summer / grab heat in the winter. > Heat pump water heater systems typically have higher initial costs than conventional storage water heaters. However, they have lower operating costs, which can offset their higher purchase and installation prices. That's the key problem. Solar cracked this nut with the PPA -- zero upfront costs because the system is financed, you pay your monthly electric bill through the solar company, and they take a cut of the "operational savings" as loan servicing and profit. However, the PPA was an uphill battle -- it took a while for big finance to be comfortable with the long term performance of solar panels before they became comfortable doing this kind of loans. The big solar companies today are the ones who took a bet on making PPA financing possible. With home efficiency improvements, however, there are so many more variables. Whereas solar is basically the panel and the inverter, with home heating you need to factor in the construction of the home and a million other variables. If the efficiency paybacks are less predictable, it's harder to finance, so it's harder to overcome the higher upfront costs.