Mini Split ACs: What to Know Before You Install
Mini split AC systems — especially ductless mini splits from brands like Mitsubishi and Daikin — are becoming a go-to solution for homeowners in colder climates like Colorado and Minnesota because they are a two-for-one package — mini splits include heating, too. Whether you're cooling a single room or upgrading your whole home, mini splits offer unmatched efficiency and flexibility.
In this post, we’ll answer the top questions homeowners ask when considering a mini split installation.
What is a ductless mini split?
A ductless mini split is a type of heat pump system that delivers heating and cooling directly to rooms without using ductwork. It consists of:
One indoor unit (called a “head” or “cassette”) installed on a wall or ceiling
One outdoor compressor unit
Refrigerant lines that connect the two
They're ideal for homes without existing ducts, or for targeting specific areas like attics, basements, or additions. Outdoor compressor units can connect to more than one indoor unit without ducts — this system is called (surprise!) a multi split.
What are the disadvantages of a mini split?
While mini splits are highly efficient and flexible, there are a few trade-offs to know:
Upfront cost: The initial installation can be more expensive than traditional window ACs or portable units.
Wall unit aesthetics: Some homeowners don’t love the look of the indoor head units, though there are options to embed in the ceiling for a more streamlined look.
Design limitations: Improper sizing or poor placement can affect performance — which is why working with an experienced contractor like Zero Homes matters.
Is it cheaper to run a central AC or a mini split?
In most cases, a mini split AC is cheaper to run than a traditional central air system, especially if:
You’re cooling just one or two rooms
You want zoned control for individual comfort
You’re replacing window units
Mini splits are designed to adjust to demand and waste less energy than central systems that turn fully on/off. Read more about ACs vs mini split heat pumps here.
Are mini splits really worth it?
For many homeowners — absolutely. Mini splits are:
Ultra-efficient (up to 300–400% efficiency in heat pump mode)
Quiet and low maintenance
Great for targeted comfort or supplemental cooling
Eligible for utility and federal incentives in both Colorado and Minnesota
At Zero Homes, we often recommend Mitsubishi mini splits for their reliability and performance, but we also install Daikin systems in certain layouts or budget-conscious scenarios.
What incentives are available for mini splits?
While mini split incentives vary per region, Colorado residents in the Front Range typically average $8,000 in rebates and discounts. Homeowners on the Western Slope, particularly those served by cooperatives in the Tri-State Transmission and Generation network, are eligible for a range of rebates averaging $5,000 and on-bill repayment.
Minnesota homeowners who get their electricity from certain member-owned cooperatives are often eligible for up to $1,000 in rebates and $2,000 in federal tax incentives. They can also opt into electricity load management programs that would lower their electric rates by double in certain locations.
What's the difference between Mitsubishi and Daikin mini splits?
Both are leading manufacturers of ductless mini split systems. Here's a quick comparison:
We usually recommend Mitsubishi for performance, warranty, and advanced controls, but Daikin is a strong contender for certain home sizes and budgets.
What size mini split do I need?
Sizing depends on:
Room square footage
Insulation levels
Window exposure and orientation
Climate zone
Unless you’re experienced in ACCA’s Manual J® calculations, it’s always a good idea to get a system sized specifically for your home by a professional. However, there are some rough estimates to ground you in your conversations with an HVAC contractor:
9,000 BTU for 250–450 sq. ft.
12,000 BTU for 450–600 sq. ft.
18,000 BTU for 600–1,000 sq. ft.
Pro tip: Mini splits are often oversized — which can reduce efficiency and comfort. At Zero Homes, we have a simple yet powerful platform (validated by the U.S. Department of Energy) that allows us to always get the right system size for your home without ever needing an in-home sales visit or contractor walkthrough.
What's the best mini split setup for whole home vs. partial home use?
You have a few options:
Single-zone mini split: Ideal for one room (e.g., a converted attic, basement, or home office)
Multi-zone mini split (multi split): Connects one outdoor unit to multiple indoor heads, great for whole-home or multi-room comfort
We can combine ductless and ducted solutions for hybrid designs that match your home’s layout.
If you aren’t sure whether mini split, multi split, ducted or some combination for these are right for you, give us a call at (303) 848-8606.
Can I use a mini split in a dual fuel system?
Yes! A dual fuel system combines a heat pump (like a mini split) with your existing gas furnace. This allows:
High-efficiency electric heating most of the year
Automatic switch to gas backup in extreme cold
Flexible comfort while reducing fossil fuel use
Dual fuel heat pump systems with back up fuel sources are great for climates with temperature extremes. A Zero Homes advisor can calculate you for how much your backup system is likely to be in use down to the number of hours.
Who is the best mini split installer in my area?
Whether you're eyeing a ductless mini split for a single room or exploring a Mitsubishi or Daikin mini split as part of a whole-home plan, Zero Homes can help you choose the right system based on your goals, budget, and home layout.
We’re not just installers — we’re heat pump specialists who help homeowners in Colorado and Minnesota get the most out of their investment, from design through rebate paperwork.
Want to explore your mini split options?
Start with a free digital home assessment by downloading our app or schedule a quick chat to learn more before you get started.
