Ductless Heat pumps ( see Mr. Slim by Mitsubishi, Friedriech, GE, LG, etc) are split systems....they have the condenser/heat pump equipment outside the house, and inside is the air handler where the refrigerant gas is used to cool , or heat, the room air. They are ductless because the air handler is just a blower unit, mounted on a wall anywhere in the room that you want to put it. ( The indoor and outdoor units are connected by the copper tubing 'line set')
The air handler just serves the room it is in. They make multizone systems, where one outdoor unit serves 1 to 4 indoor room units.
In your area, you could not rely on heat pump as sole heat source. Many of these units are rated to operate all the way down to 5ºF, but at that outside edge of the range, the room air blown would be barely warm. Heat pumps are most effective above 25ºF.
I suspect in your cold climate, heat pumps are not widely used.
A 3 zone system might run you $3000 ballpark. It is NOT a DIY install, because you need a vacuum pump to evacuate the lines, gauges to set the charge, and a bottle of 410 and a year of trade school , to be able to properly set the subcool parameters.





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