ZeroFee ToolsEstimate your replacement cost
Prices shown are 2026 national averages for fully installed systems.
Estimated installed cost (2026 national averages)
What affects the cost
Installed equipment cost ranges and the factors that move your price up or down (2026 national averages).
| System type | Installed cost | Key cost factors |
|---|---|---|
| Central AC only | $3,500–$8,000 | Tonnage, SEER2 rating, refrigerant type |
| Gas furnace only | $3,800–$8,500 | BTU output, AFUE rating, fuel type |
| AC + furnace combo | $7,000–$13,000 | Matched set sizing, both units' efficiency |
| Air-source heat pump | $8,000–$16,000 | Cold-climate rating, backup heat source |
| Ductless mini-split (whole home) | $8,000–$20,000 | Number of zones/indoor heads |
| Geothermal | $15,000–$30,000 | Ground-loop drilling, soil conditions |
Other cost drivers: new or modified ductwork ($2,000–$5,000), electrical or gas-line upgrades, permits and inspections, refrigerant line replacement, thermostat and control upgrades, and local labor rates.
HVAC replacement FAQs
How much does AC replacement cost?
Replacing a central AC unit costs $3,500–$8,000 installed based on 2026 national averages. A full AC + furnace combo runs $7,000–$13,000. Size (tonnage), efficiency rating, and your local labor market move the price within that range.
Furnace vs. heat pump - which should I choose?
A gas furnace ($3,800–$8,500) is the lower-cost option if you already have gas service. An air-source heat pump ($8,000–$16,000) heats and cools in one unit and can cut energy use significantly, making it a strong choice if you lack gas lines or want lower carbon emissions.
How long do HVAC systems last?
Most central ACs and heat pumps last 12–15 years; gas furnaces often last 15–20 years. Rising repair frequency, frequent breakdowns, and climbing energy bills are the usual signs replacement is near.
What size system do I need?
As a rough guide, divide your home's square footage by 550 to estimate tonnage - e.g., an 1,800 sq ft home ≈ 3.3 tons. This is guidance only: a proper Manual J load calculation by a licensed contractor accounts for insulation, windows, climate, and ductwork and is needed for correct sizing.
Are high-efficiency systems worth it?
High-efficiency upgrades add $2,000–$4,500 ($4,000–$7,000 typical for premium tier). They pay back fastest in hot or cold climates with high energy costs - get quotes comparing standard vs. high-efficiency so you can estimate payback from your own utility bills.
How long does installation take?
A straightforward like-for-like AC or furnace swap usually takes 1 day. A full system replacement with new ductwork, electrical upgrades, or a heat-pump conversion typically takes 2–5 days.