Free HVAC replacement estimator
What will your HVAC replacement cost?
Pick your system, home size, and efficiency tier for an estimate built from current 2026 installed prices — before the first sales visit.
What drives HVAC replacement cost
These factors move an HVAC quote the most.
System type
Replacing one component costs less than a matched full system; heat pumps cost more up front but replace both heating and cooling.
Capacity (home size)
Bigger homes need higher-tonnage equipment. Oversizing wastes money and undersizing wears equipment out — proper sizing (a Manual J calc) matters.
Efficiency tier
Higher SEER2/AFUE equipment costs more up front and saves monthly; high-efficiency models often qualify for rebates.
Ductwork & extras
Duct repairs, new lines, thermostats, and electrical upgrades are common add-ons that quotes bury in the fine print.
HVAC cost by system type (installed)
Typical 2026 installed ranges for a mid-size home, standard efficiency.
| System | Installed cost | Notes |
|---|
| Ductless mini-split | $2,500–$8,500 | Per zone; no ducts needed |
| Furnace only | $3,500–$8,000 | Gas most common |
| Central AC only | $4,000–$8,000 | Pairs with existing furnace |
| Heat pump | $6,500–$14,500 | Heats + cools; rebate-eligible |
| Full system (AC + furnace) | $7,500–$16,000 | Matched components |
Planning a DIY job?
Common materials and tools for this project. (Affiliate links — we may earn a commission at no cost to you.)
HVAC replacement questions, answered
How much does HVAC replacement cost in 2026?
Replacing a full system (central AC plus furnace) typically runs $7,500 to $16,000 installed. AC-only or furnace-only replacement runs roughly $3,500 to $8,000, and heat pumps $6,500 to $14,500.
Is a heat pump worth it over a furnace and AC?
Heat pumps handle both heating and cooling in one unit and are far more efficient than resistance or older gas heat in most climates. Federal and state incentive programs frequently target heat pumps, which can meaningfully cut the net price — check current programs in your state.
How long does an HVAC system last?
Central AC and heat pumps typically last 12–17 years; furnaces 15–25. If your system is past 12–15 years old and needs a major repair, replacement is usually the better money.
Why do HVAC quotes vary so much?
Equipment tier, brand, ductwork condition, electrical upgrades, and installer overhead all move the number. Getting at least three quotes matters more in HVAC than almost any other trade.