2026 Katy (77495) Line-Item Benchmark Schedule Labor Index: 1.05x
Use this schedule when reviewing quotes from contractors in Katy, TX. Quotes exceeding these ranges by more than 18% typically contain dealer financing markups or unitemized overhead.
| 2026 HVAC / Heat Pump System (IECC Zone 2A/3A (Hot-Humid)) | Gross Installed Cost | Federal + Oncor / CenterPoint / Austin Energy Rebate | Net Homeowner Cost |
|---|---|---|---|
| 1.5-Ton 15.2 SEER2 Central AC + Gas Furnace Meets 2026 DOE regional efficiency mandate |
$9,365 | -$600 Utility Credit | $8,765 |
| 1.5-Ton 18 SEER2 Variable-Speed Inverter Heat Pump IRA Section 25C Tax Credit Eligible |
$11,051 | -$2,000 IRA + Local Utility Rebate | $8,201 |
Interactive 77495 Property Customizer Real-Time Math
Local Code, Rebate & Insurance Mandate Notes for ZIP 77495
Insurance & Wind/Hail Rule (Fort Bend County): Texas 1%–2% wind/hail deductible zone; UL 2218 Class-4 impact shingles reduce premiums up to 28%.
2026 Incentives & Utility Rebates: 30% Federal ITC + Texas Utility Solar/Battery Rebates + $2,000 IRA Heat Pump Credit
Permitting Authority: All structural roofing, electrical panel, and mechanical replacements in 77495 must be permitted through City of Katy Building & Permitting Division (Fort Bend County) (Design Wind Speed: 115 MPH).
Frequently Asked Questions — Katy, TX (77495)
How much does a new HVAC system cost in Katy, TX (77495)?
In Katy (77495), located in IECC Zone 2A/3A (Hot-Humid), a code-compliant 1.5-ton SEER2 system costs $9,365 before incentives, or $7,365 net after federal efficiency tax credits.
What HVAC rebates are available for Oncor / CenterPoint / Austin Energy customers in 77495?
Homeowners in 77495 qualify for: 30% Federal ITC + Texas Utility Solar/Battery Rebates + $2,000 IRA Heat Pump Credit