Replacing an HVAC system is one of the largest home expenses you'll face -- but with energy costs rising, an aging inefficient system is also one of the most expensive things to keep running. This guide gives you realistic installed cost numbers and the information you need to evaluate competing quotes.
HVAC replacement cost by system type
Costs vary significantly by what you're replacing and what efficiency rating you choose:
- ✓Central AC only (3-ton, 16 SEER): $4,000--$7,000
- ✓Central AC only (3-ton, 18+ SEER2): $5,500--$10,000
- ✓Gas furnace only (80,000 BTU): $2,500--$5,500
- ✓Gas furnace only (high-efficiency, 96% AFUE): $3,500--$7,000
- ✓Full system (AC + furnace, mid-efficiency): $7,500--$14,000
- ✓Full system (AC + furnace, high-efficiency): $12,000--$20,000
- ✓Heat pump (air-source, cold-climate): $5,000--$12,000
- ✓Mini-split (per zone, installed): $2,500--$5,500
What's included in a proper installation
A reputable HVAC installation includes removing and disposing of the old system, installing all new equipment and refrigerant line sets, replacing the disconnect box and condensate drain as needed, load calculation to properly size the new system, pulling a permit, startup and testing, and registering the equipment warranty with the manufacturer. An installation that doesn't include load calculation is a red flag -- installing an oversized or undersized system is a common shortcut that reduces efficiency and comfort.
SEER2 ratings: efficiency vs. cost
SEER2 is the current efficiency rating for air conditioners. The minimum allowed by federal law varies by region: 14 SEER2 in the north, 15 SEER2 in the south and southwest. Higher SEER2 units cost more upfront but less to run. As a rough guide, upgrading from a 14 to an 18 SEER2 unit might cost $1,500--$2,000 more and save $200--$400 per year -- a payback period of 4--8 years depending on your cooling load.
Bottom line
Budget $8,000--$15,000 for a full mid-efficiency HVAC replacement in a typical home. Get at least two quotes from licensed HVAC contractors, confirm a proper load calculation is included, and check for any utility or state rebates before choosing a unit -- they can reduce out-of-pocket cost by $500--$2,000.
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