Our take in 30 seconds
Best for: cold and very cold climatesStrengths
- Keeps 93% of its heat at 5°F, so backup heat rarely runs
- Variable-speed compressor: quieter, steadier temperatures and better humidity control
- Uses newer, lower-impact R-454B refrigerant
- Also sold under 17 other badges, so you can compare more quotes for the same unit
Good to know
- No notable drawbacks in the certified data.
Running-cost calculator
Pre-filled with EIA prices · edit any fieldUses the base certified SEER2 (15.2) and HSPF2 (9.5). Assumes the unit is correctly sized. How we calculate.
Heating capacity as it gets colder
A heat pump's output falls as outdoor temperature drops. This is the certified heat output of the Payne 37MUHAQ60AA3 at the three ENERGY STAR test temperatures (cooling capacity is 54,000 BTU/h for reference).
Retention at 17°F: 78% · at 5°F: 93%. Learn how to use these numbers in our cold-climate guide.
Estimated running cost in every state
Same unit, very different bills: from about $1,464 a year in Louisiana to $5,553 in Maine, driven by local electricity prices and how much heating or cooling the climate needs. Click a column to sort.
| State | Price | Heating | Cooling | Total / yr |
|---|---|---|---|---|
| Louisiana | 12.87¢ | $550 | $914 | $1,464 |
| Florida | 14.99¢ | $412 | $1,278 | $1,690 |
| Washington | 14.63¢ | $1,518 | $182 | $1,700 |
| Mississippi | 14.43¢ | $793 | $923 | $1,716 |
| Nevada | 12.72¢ | $932 | $813 | $1,745 |
| Tennessee | 13.42¢ | $1,147 | $620 | $1,767 |
| Oregon | 15.92¢ | $1,555 | $255 | $1,810 |
| Arizona | 15.05¢ | $643 | $1,176 | $1,819 |
| North Carolina | 14.95¢ | $1,187 | $690 | $1,877 |
| Kentucky | 13.80¢ | $1,348 | $539 | $1,887 |
| Arkansas | 14.37¢ | $1,141 | $766 | $1,906 |
| South Carolina | 15.76¢ | $1,058 | $896 | $1,954 |
| Utah | 13.31¢ | $1,544 | $426 | $1,970 |
| Georgia | 15.90¢ | $1,068 | $904 | $1,972 |
| Texas | 15.91¢ | $874 | $1,130 | $2,005 |
| Alabama | 16.33¢ | $1,097 | $928 | $2,025 |
| Idaho | 13.37¢ | $1,714 | $332 | $2,047 |
| Oklahoma | 14.82¢ | $1,267 | $790 | $2,056 |
| New Mexico | 16.51¢ | $1,512 | $587 | $2,099 |
| Nebraska | 13.54¢ | $1,736 | $433 | $2,169 |
| West Virginia | 16.31¢ | $1,792 | $464 | $2,256 |
| Missouri | 16.02¢ | $1,663 | $626 | $2,289 |
| Kansas | 15.47¢ | $1,700 | $605 | $2,305 |
| Virginia | 17.64¢ | $1,615 | $689 | $2,305 |
| Wyoming | 14.43¢ | $2,202 | $256 | $2,459 |
| Colorado | 17.17¢ | $2,097 | $427 | $2,524 |
| North Dakota | 13.31¢ | $2,357 | $213 | $2,569 |
| Indiana | 17.02¢ | $2,078 | $514 | $2,592 |
| Delaware | 18.70¢ | $1,941 | $664 | $2,605 |
| Montana | 15.57¢ | $2,376 | $249 | $2,625 |
| South Dakota | 15.15¢ | $2,312 | $350 | $2,662 |
| California | 29.75¢ | $1,635 | $1,057 | $2,692 |
| Iowa | 17.06¢ | $2,396 | $455 | $2,850 |
| Ohio | 19.38¢ | $2,366 | $551 | $2,917 |
| Maryland | 21.40¢ | $2,221 | $760 | $2,981 |
| Illinois | 19.32¢ | $2,477 | $549 | $3,026 |
| Minnesota | 17.20¢ | $2,835 | $336 | $3,171 |
| Pennsylvania | 21.77¢ | $2,658 | $619 | $3,277 |
| Wisconsin | 19.41¢ | $2,963 | $414 | $3,376 |
| New Jersey | 24.61¢ | $2,705 | $787 | $3,491 |
| District of Columbia | 25.98¢ | $2,538 | $1,015 | $3,553 |
| Connecticut | 24.51¢ | $3,292 | $566 | $3,858 |
| Michigan | 22.99¢ | $3,369 | $490 | $3,859 |
| Vermont | 23.84¢ | $3,784 | $381 | $4,165 |
| Rhode Island | 28.18¢ | $3,785 | $601 | $4,386 |
| Hawaii | 47.18¢ | $144 | $4,358 | $4,502 |
| New York | 28.65¢ | $3,848 | $662 | $4,510 |
| New Hampshire | 27.64¢ | $4,219 | $491 | $4,710 |
| Massachusetts | 30.48¢ | $4,280 | $650 | $4,930 |
| Alaska | 29.41¢ | $5,387 | $104 | $5,491 |
| Maine | 32.11¢ | $5,097 | $456 | $5,553 |
Same equipment sold under other brands
These listings share the same certifying manufacturer (Carrier Corporation) and identical certified capacities and efficiency ratings, so they are almost certainly the same hardware with a different badge. If you get quotes for any of them, you are comparing installation price and warranty, not equipment. How rebadging works.
- Bryant 37MUHAQ60AA3
- Carrier 37MUHAQ60AA3
- Midea 37MUHAQ60AA3
- Weathermaker 37MUHAQ60AA3
Plus 13 more identical listings in the ENERGY STAR database.
Similar-size alternatives
Other ducted split system units within ±15% of this model's cooling capacity, sorted by efficiency. Cost difference is versus the Payne 37MUHAQ60AA3 at U.S.-average rates.
| Model | Cooling BTU/h | SEER2 | HSPF2 | 5°F kept | Est. yearly cost | |
|---|---|---|---|---|---|---|
| Gree GUD60W2/NHE-D(U) | 53,000 | 16–19 | 10.5 | 100% | $2,156 (−$328) | Compare |
| Heil B5H3V48*K*AAA* | 46,500 | 20–23 | 9.5 | 76% | $1,963 (−$520) | Compare |
| Tempstar T5H3V48*K*AAA* | 46,500 | 19.5–23 | 9.5 | 72% | $2,113 (−$371) | Compare |
| Rheem RD18AY60AJVC | 52,000 | 16–18 | 10 | 66% | $2,393 (−$91) | Compare |
| Carrier 27VPA948A*030* | 49,500 | 15.2–19 | 10 | 75% | $2,249 (−$235) | Compare |
| Bosch BOVA-60MTB-M19E | 53,500 | 15.2–19 | 10 | 100% | $2,301 (−$182) | Compare |
Full specifications
| Brand | Payne |
| Outdoor model | 37MUHAQ60AA3 |
| Certified by | Carrier Corporation |
| Product type | Ducted split system |
| Compressor | Variable-speed (inverter) |
| Refrigerant | R-454B |
| Cooling capacity | 54,000 BTU/h |
| Nominal size | 4.5 tons |
| SEER2 (certified range) | 15.2 – 17.5 |
| EER2 (best) | 12 |
| HSPF2 (best) | 9.5 |
| Heating capacity @ 47°F | 58,000 BTU/h |
| Heating capacity @ 17°F | 45,000 BTU/h |
| Heating capacity @ 5°F | 54,000 BTU/h |
| COP @ 5°F | 1.9 |
| ENERGY STAR cold-climate | Yes |
| Certified indoor pairings | 5 |
| Latest certification | 2026-05 |
Source: ENERGY STAR Certified Heat Pumps (U.S. EPA), retrieved November 7, 2026. Capacities and HSPF2 are the highest values across certified pairings; confirm your exact system's AHRI reference number with your installer.
Frequently asked questions
How much does the Payne 37MUHAQ60AA3 cost to run per year?
At the U.S. average residential electricity price of 18.16¢/kWh and typical national heating and cooling hours, we estimate about $2,484 per year ($1,774 heating, $710 cooling). It ranges from about $1,464 in Louisiana to $5,553 in Maine.
Does the Payne 37MUHAQ60AA3 work in cold weather?
Yes. It is ENERGY STAR cold-climate certified and delivers 54,000 BTU/h at 5°F, 93% of its 47°F capacity, with a COP of 1.9 at 5°F.
What size is the Payne 37MUHAQ60AA3?
It is rated at 54,000 BTU/h of cooling, roughly 4.5 tons, and 58,000 BTU/h of heating at 47°F. Proper sizing should be confirmed with a Manual J load calculation.
Is the Payne 37MUHAQ60AA3 the same as the Bryant 37MUHAQ60AA3?
Very likely. Both are certified by Carrier Corporation with identical capacities and efficiency ratings in the ENERGY STAR database, which indicates the same equipment sold under different brands.