Geothermal has always been the best system you can put in an Oklahoma house and the hardest one to pay for. The Palmetto Comfort Plan changes the second half of that sentence: no money down, one fixed monthly payment, and the ground loop is part of what the payment covers. Trinity Climate Control designs and installs the system and stays the company that services it.
For years the honest pitch on geothermal was the tax credit. Section 25D, the Residential Clean Energy Credit, paid 30% of an installed ground-source system with no dollar cap. On a $35,000 project that was better than $10,000 back.
It is gone. The One Big Beautiful Bill Act (P.L. 119-21), signed July 4, 2025 repealed it for anything completed after December 31, 2025, with no phasedown and no grace period. An expenditure counts as made when the original installation is completed, so a system finished in 2026 does not qualify no matter when it was quoted, signed, or paid for. If you buy a geothermal system for cash in Oklahoma today, your federal credit is zero.
What the same law did not do is touch the commercial credit. Section 48 still treats geothermal heat pumps as qualifying property at 30%. Geothermal heat pumps remain eligible property. The 30% rate normally requires prevailing-wage and apprenticeship compliance, but projects under 1 MW of output are exempt from those requirements and qualify for the full rate. Every residential geothermal system is far under 1 MW.
And it opened the door that had been shut. The IRS had treated a geothermal system installed at a single residence as 'limited use property,' which made a third-party lease impractical to structure. The 2025 Act created an exemption, opening the solar-style third-party-ownership model to residential geothermal for the first time.
The practical upshot for an Oklahoma homeowner
In 2026, a third-party-owned lease is the only remaining structure through which you see 30% of federal value on a residential geothermal system. Palmetto owns the equipment, claims the credit it is eligible for, and prices that value into your monthly payment. Buy the same system outright and nobody claims anything.
It is a lease, not a loan, and the difference is the point. Palmetto buys and owns the system — the heat pump and the loop field both — and you pay a fixed monthly amount to use it. There is nothing to put down and nothing financed in your name.
Qualification runs on a soft credit check. There is no hard inquiry, so your score is not affected, and there is no debt-to-income test — the two things that most often stop a geothermal project from getting financed as a loan.
Palmetto assigns service and maintenance back to the installing partner under a contracted right of first refusal, so Trinity Climate Control is who comes out for the whole term — the same company that designed the loop and started the system up.
A payment calculator is going up here shortly. Until it does, the figure is built from three things and we will walk you through all of them on site: the installed cost of your system, the term you pick (10 or 12 years), and which escalator you choose. A 0% escalator means the payment never changes for the whole term; the 0.99% and 1.99% options start lower and step up each year.
For scale, a complete residential ground-source install in this market generally lands between $25,000 and $45,000 depending on loop design, tonnage, and site access. That is market context, not a quote — Trinity Climate Control prices geothermal per property after walking the site, because available land, soil, and whether the house is already on a well move the number materially.
Coverage, labour allowances, and any filter allowance are subject to the terms of your agreement. Read it — we will go through it with you line by line before you sign.
The lease is not the right answer for every job, and it is not how we finance most of what we do. Repairs and conventional system replacements go through Wisetack, where you own the equipment outright. Here is the honest comparison.
| Comfort Plan lease | Wisetack loan | Cash | |
|---|---|---|---|
| Upfront cost | $0 | $0 | Full project cost |
| Who owns the system | Palmetto | You | You |
| Federal credit in 2026 | Captured by the owner, priced into your payment | None | None |
| Repairs for 10 years | Included | Your cost | Your cost |
| Annual maintenance | Included | Separate plan | Separate plan |
| Credit impact | Soft check only | Soft check to see rates | None |
| Best for | Geothermal, staying 10+ years | Repairs and conventional replacement | Owning outright |
Deep soil across central Oklahoma holds a steady 60–65°F year-round, which is the whole basis of the efficiency — the system trades heat with ground that never sees a 104°F August afternoon or an ice storm.
Red clay is the local variable. Clay transfers heat well but bores have to be logged and grouted properly or the loop underperforms from day one, and a loop quietly short on flow keeps running while it costs you money every month.
Vertical bores run 150 to 300 feet at roughly 15-foot spacing and suit smaller lots. Horizontal trenching needs 400 to 600 linear feet per ton and is usually the cheaper answer when there is land for it — which, on acreage in McClain and Grady counties, there generally is.
A lot of homes out here are already on a well, which changes the plumbing options and often the economics.
ClimateMaster, the ground-source equipment Trinity installs, is manufactured in Oklahoma City — parts and factory support are a short drive rather than a freight quote.
The trade body that certifies ground-source installers, IGSHPA, was founded in 1987 at Oklahoma State University in Stillwater. Oklahoma is where the residential ground-source trade was organized.
Trinity has put ClimateMaster ground-source systems in on both Goldsby Drive and McCall Drive in Goldsby, new construction included. Geothermal is one of the two things this company specialises in — the other is custom residential duct design — and a loop field is not a thing to hand to a shop that subcontracts it. See geothermal installation for how the design work is done.
Trinity Climate Control works the I-35 corridor south of Oklahoma City and the counties around it, out of a shop in Washington, Oklahoma. Most of this territory is acreage or large-lot subdivision — which is exactly where a horizontal loop is cheapest to put in.
Cities served: Oklahoma City, Norman, Moore, Edmond, Blanchard, Newcastle, Tuttle, Chickasha, Goldsby, Washington, Noble, Lexington, Purcell, Pauls Valley, Maysville, Lindsay, Wayne, Slaughterville. See the full service area.
Not as a cash buyer. The Section 25D residential credit that paid 30% of an installed geothermal system was repealed for anything completed after December 31, 2025, with no phasedown. The commercial Section 48 credit survived, and a system owned by a third party and leased to you can still capture it — which is why the Palmetto Comfort Plan lease is now the only route by which an Oklahoma homeowner sees that 30% value, in the form of a lower monthly payment. Confirm your own situation with your accountant.
Palmetto owns the equipment and the ground loop, so there is no purchase for you to finance and no down payment. You pay a fixed monthly amount that covers the system, the loop field, the installation, annual maintenance, and parts and labor for the whole term. Trinity Climate Control designs and installs the system and remains the servicing contractor.
No. Qualification for the Palmetto Comfort Plan runs on a soft credit check, not a hard inquiry, so your score is not affected. There is also no debt-to-income test, which is the requirement that most often stops a geothermal project from getting approved as a conventional loan.
Palmetto offers 10-year and 12-year terms on HVAC. At the end you can buy the system out and own it, keep the same system at a reduced rate, or start a new lease on current equipment with a 25% term credit toward it. The choice is yours at that point, not decided up front.
Only if you choose an option that does. Palmetto offers a 0% escalator, where the payment is identical for the whole term, or 0.99% and 1.99% annual escalators that start lower and step up each year. Trinity walks through which one costs less over the full term for your project before anything is signed.
The loop field is part of the leased system on a geothermal Comfort Plan — the bores or trenches, the grouting, and the headers, not only the heat pump indoors. That matters in Oklahoma, because the loop is the part of a ground-source system that is expensive to get at after the fact and the part a homeowner can least afford to have go wrong uncovered.
Trinity Climate Control. Palmetto assigns service and maintenance back to the installing partner under a contracted right of first refusal, so the company that designed your loop and commissioned the system is the company that services it for the term. On a ground-source system that continuity is worth more than it is on a conventional split system.
The agreement transfers to the buyer, which has to be handled as part of the sale. If you expect to move within the next couple of years, a lease is probably the wrong structure for you and Trinity will say so — this plan suits homeowners staying put ten years or more.
A complete residential ground-source install in this market generally lands between $25,000 and $45,000 depending on loop design, tonnage, and site access. Trinity quotes geothermal per property after walking the site, because available land, soil, and whether the house is already on a well move the figure materially. Under the Comfort Plan that cost is carried by Palmetto rather than by you up front.
Not necessarily. Horizontal trenching needs 400 to 600 linear feet per ton and is the cheaper option when there is land for it, which on acreage around Goldsby, Blanchard, and Tuttle usually there is. Vertical bores run 150 to 300 feet deep at about 15-foot spacing and make ground-source workable on a normal subdivision lot in Norman or Moore. Trinity Climate Control walks the property in central Oklahoma and tells you which loop type the site actually supports before quoting it.
Trinity Climate Control installs and services geothermal across the I-35 corridor south of Oklahoma City and the surrounding counties — McClain, Cleveland, Oklahoma, Grady, and Garvin — including Washington, Goldsby, Blanchard, Newcastle, Purcell, Norman, Moore, Noble, Tuttle, Chickasha, Pauls Valley, and Lindsay.
Yes, for a purchase. Trinity offers Wisetack financing for repairs and conventional system replacements, where you own the equipment and pay it off over a set term. The Palmetto Comfort Plan is a lease, so it suits geothermal specifically: it carries the loop-field cost, bundles ten years of parts and labor, and captures a federal credit a purchase no longer can.
Trinity Climate Control is an HVAC contractor, not a tax advisor. Federal tax treatment depends on your own situation and on how the lease is written. Confirm anything on this page with your accountant before you rely on it, and read your agreement.
Tax position on this page current as of 2026-09-27.
We walk the site, design the loop to the property rather than to a rule of thumb, and give you the monthly figure in writing. Estimates on a new system are free.
