Low-temperature domestic hot water (DHW) systems provide significant carbon reduction benefits, supporting the UK’s 2050 net-zero target. Typically, low water volume applications do not need recirculation and storage when instantaneous heaters are employed, such applications can be more flexible in terms of temperature range and safety requirements. However, commercial applications may have high volumes of hot water and hence, will require high working temperatures to satisfy the recirculation requirements. This study developed a comprehensive toolkit to benchmark the embodied and operational carbon in terms of kgCO2e/m2 for various DHW systems, including equipment, refrigerants, and operational emissions. Analysis of seven DHW designs for an office building revealed that low-temperature systems consistently demonstrate the lowest whole-life carbon (WLC), underscoring the impact of grid decarbonisation and low-GWP refrigerants. The WLC results are normalised per square metre of floor area. Low-temperature systems showed the lowest WLC even with the inclusion of water treatment and chemical dosing systems.