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Heat pump vs gas boiler: a 1919-1944 terraced house
A worked example with this building's own numbers, not an average. Everything below is calculated from the assumptions listed with it, and you can change any of them in the calculator.
Assumptions behind these figures
- House: terraced house, 1919-1944, 85 m²
- Space-heat demand as found 165 kWh/m²/yr
- SCOP 2.8 @ 55 °C
- Assumed existing boiler efficiency 78 %
- Ofgem energy price cap, 1 July – 30 September 2026 (direct debit, average). Oil/LPG/coal are editable estimates, not primary-sourced.
- Capital cost £13,000
- Simple payback: no discount rate, no fuel-price inflation, no maintenance difference. Figures are calculations, not quotes.
Fabric and demand
| Treated floor area | 85 m² |
| Space-heat demand as found | 165 kWh/m²/yr |
| Annual space heating | 11,921 kWh |
| Hot water | 1,800 kWh |
| Total delivered heat | 13,721 kWh |
| Implied heat loss | 6.6 kW |
| Assumed design flow temperature | 55 °C |
| Assumed SCOP | 2.8 |
| Assumed existing boiler efficiency | 78 % |
How these numbers were produced
- Delivered heat needed: 11,921 kWh (space) + 1,800 kWh (hot water) = 13,721 kWh
- Fuel energy at 78 % seasonal efficiency: 13,721 ÷ 0.78 = 17,591 kWh
- Current annual cost: 17,591 kWh × £0.0733 + £315 standing charges = £1,604
- Heat pump electricity: 13,721 kWh ÷ SCOP 2.8 = 4,900 kWh
- Heat pump annual cost: 4,900 kWh × £0.2611 + £209 standing charge = £1,488
- Running-cost difference: £1,604 − £1,488 = £116
Investment and payback
| Installed cost, typical air source | £13,000 |
| Grant | −£7,500 |
| Net capital cost | £5,500 |
| Annual running-cost saving | £116 |
| Simple payback | 47.4 years |
Boiler Upgrade Scheme, £7,500 (air source)
What actually decides it in this house
This house is the hard case. At a 55 °C design flow temperature the SCOP lands near 2.8, which is below the 3.6 break-even against gas at the July 2026 cap. A heat pump here costs more to run than a condensing boiler unless you either move to a heat pump electricity tariff or bring the flow temperature down — which means insulation, bigger radiators, or both.
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