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Heat pump plus solar: how to cut your heating bill

A heat pump and solar make a strong pair, but solar produces little in winter. An honest look at what to expect and how to size it.

4 Jun 2026 · 4 min read

Combining a heat pump with solar is one of the best energy upgrades, but advertisements rarely mention that solar produces the least when heating demand is highest. The real picture is more nuanced, which is exactly why it pays to plan deliberately.

How does a heat pump work?

An air-to-water heat pump uses heat from outdoor air and passes it to the heating system. Efficiency is shown by COP (instantaneous coefficient of performance) and SCOP (seasonal average coefficient of performance). At a SCOP of 4, one kWh of electricity yields on average 4 kWh of heat. According to manufacturer data, Panasonic Aquarea and Daikin Altherma ranges can reach a SCOP of around 4 to 5 under favourable conditions, but this depends strongly on the flow temperature: with underfloor heating (35 degrees C) it is much better than with a high-temperature radiator system.

Example: a family house

The winter reality

In Hungary, December and January together account for about 5 to 6% of annual solar production, roughly 300 kWh over the two months for a 5 kWp system. The heat pump, however, consumes the most at exactly that time. Solar therefore helps most not in midwinter but in the shoulder seasons (March to April, October to November) and with domestic hot water. A realistic estimate is that 20 to 35% of the heat pump's annual electricity can be covered directly from solar, and with a battery this can rise. You buy the rest from the grid, but summer surplus does not go to waste: air conditioning, the boiler and hot water use it.

How to improve utilisation

Economics, honestly

Payback compared with current gas prices depends strongly on which tariff band your gas use falls into. At the regulated gas price the operating saving from a heat pump is modest, while for consumption above the limit it is significant. In favour of a heat pump are reduced gas dependence, the cooling option and long-term price security. We therefore suggest you do not calculate the investment on today's prices alone.

Sizing tips

In summary: a heat pump and solar together cut heating costs permanently, but not to zero. The best results come from good insulation, a suitable heat emitter system and deliberate control. Ask us for a complete survey and the same quote will include the combined heat pump and solar calculation.

SB
SolarBay engineering teamSolar, storage and heat pump design – since 2016.

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