Louisville / Fort Thomas
Fort Thomas has 17,169 residents (give or take 60) (ACS 2020-2024 5-year, table B01003, https://data.census.gov/table/ACSDT5Y2024.B01003?g=160XX00US2128594, checked 2026-10-19), about 3,026 people per square mile.
Fort Thomas is about 90 miles from the Census center point for Louisville in a straight line and covers 5.674 square miles of land (Census 2024 Gazetteer internal points and land area, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/, checked 2026-10-19).
The quote form takes a ZIP code; for Fort Thomas that is 41075 (Census 2020 ZCTA to county subdivision and ZCTA to place relationship files, ZIP areas at least 20% inside the town, https://www2.census.gov/geo/docs/maps-data/data/rel2020/zcta520/tab20_zcta520_cousub20_natl.txt and https://www2.census.gov/geo/docs/maps-data/data/rel2020/zcta520/tab20_zcta520_place20_natl.txt, checked 2026-10-19).
3,026 people per square mile puts Fort Thomas in suburban density, where the outdoor unit usually sits in a side yard and the noise is not an issue for neighbors.
Of the 6,568 occupied homes in Fort Thomas, 67% heat with natural gas, 0% with heating oil, 31% with electricity and 1% with propane (ACS 2020-2024 5-year, table B25040, https://data.census.gov/table/ACSDT5Y2024.B25040?g=160XX00US2128594, checked 2026-10-19).
Gas heats 67% of Fort Thomas against electricity at 31%, so most quotes here are a partial-home system that carries the shoulder seasons and the summer while the gas furnace handles the coldest nights, or a whole-home system when the house is ready for it.
Fort Thomas has about the Campbell County oil share of 1% and 12 points less electric heat than the county's 43% (ACS 2020-2024 5-year, table B25040, https://data.census.gov/table/ACSDT5Y2024.B25040?g=050XX00US21037, checked 2026-10-19).
Fort Thomas has 6,764 housing units, 32% built before 1940 and 79% before 1980, with 9% built in 2000 or later (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=160XX00US2128594, checked 2026-10-19).
Fort Thomas has 6 points more pre-1940 homes than Campbell County as a whole (26%) and 11 points fewer homes built after 2000 than the county's 20% (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=050XX00US21037, checked 2026-10-19). An older stock means more insulation upgrades before the heat pump goes in.
The median Fort Thomas home was built in 1955 (ACS 2020-2024 5-year, table B25035, https://data.census.gov/table/ACSDT5Y2024.B25035?g=160XX00US2128594, checked 2026-10-19) and the median home has 6.3 rooms (ACS 2020-2024 5-year, table B25018, https://data.census.gov/table/ACSDT5Y2024.B25018?g=160XX00US2128594, checked 2026-10-19).
69% of Fort Thomas homes are single-family detached, 10% are in two- to four-unit buildings and 18% are in buildings of five or more units (ACS 2020-2024 5-year, table B25024, https://data.census.gov/table/ACSDT5Y2024.B25024?g=160XX00US2128594, checked 2026-10-19).
29% of Fort Thomas homes are rented (ACS 2020-2024 5-year, table B25003, https://data.census.gov/table/ACSDT5Y2024.B25003?g=160XX00US2128594, checked 2026-10-19), so beside the 69% detached houses there is a real share of jobs where the landlord, not the resident, signs the quote.
Fort Thomas has 5 points more detached houses than Campbell County overall (64%) (ACS 2020-2024 5-year, table B25024, https://data.census.gov/table/ACSDT5Y2024.B25024?g=050XX00US21037, checked 2026-10-19).
32% of Fort Thomas homes were built before 1940 and 79% before 1980 (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=160XX00US2128594, checked 2026-10-19), so insulation is the first sizing question: an older home leaks more heat per square foot, and the installer runs a room-by-room heat-loss calculation to size the system for what the walls and windows actually hold in, not just the floor plan.
Duke Energy Kentucky lists Fort Thomas among the Kentucky communities it serves for electricity (Duke Energy Kentucky electric tariff Sheet No. 10, communities served, https://www.duke-energy.com/-/media/pdfs/for-your-home/rates/electric-ky/sheet-no10-index-ky-elec.pdf, checked 2026-10-19).
Smart $aver Home Improvement Rebates: $500 usd_max (https://www.duke-energy.com/home/products/smart-saver/hvac-install?jur=KY01, checked 2026-10-25); confirm eligibility for the address.
Median household income in Fort Thomas is $104,350 (ACS 2020-2024 5-year, table B19013, https://data.census.gov/table/ACSDT5Y2024.B19013?g=160XX00US2128594, checked 2026-10-19); many state and utility heat pump rebate programs set higher incentive tiers for income-qualifying households, so the household income on the application, not the town median, decides which level applies.
Heating design temperature: 5F. Source: ENERGY STAR Design Temperature Limit Reference Guide (2019 Edition), Campbell County row, 99% heating, PDF pages 46 to 51 of 141 (Revised 11/11/2020), https://www.energystar.gov/sites/default/files/Design%20Temperature%20Limit%20Reference%20Guide%20(2019%20Ed)%20-%20ENERGY%20STAR%20Single-Family%20New%20Homes_Rev11.pdf, fetched 2026-10-19, 99%.
That 5F figure is the Campbell County cold-day number a Fort Thomas heat pump is sized against, so ask the installer to show the system's heating output at 5F, not at the milder rating-label temperature.
Ask whether the quote is whole-home or partial-home, because with 67% of Fort Thomas on gas and 31% already electric the two paths carry different rebate figures and different sizing.
Ask for the heat-loss calculation room by room; a Fort Thomas house from before 1940 (32% of the 6,764 units) rarely matches a square-footage rule of thumb.
The form on this page is the follow-up for Fort Thomas. The public number is the number the contractor quotes from.
No local contractor is named on this door for Fort Thomas yet. A request from this page goes to the first licensed shop that takes the door.