HVAC Replacement Cost in 2026

HVAC pricing depends on system size, efficiency, electrical upgrades, and whether ductwork needs work. Here are realistic ranges and drivers.

Typical replacement ranges (installed)

Standard central AC + furnace: $8,000 – $16,000
Heat pump system: $9,000 – $18,000
High-efficiency / premium: $15,000 – $28,000+
Ductless mini-split (per zone): $3,000 – $7,000+

What drives HVAC cost most

Correct sizing and load calculations
Efficiency upgrades (SEER2/HSPF2)
Ductwork problems
Electrical needs
Attic/crawl access difficulty

Upgrades that convert well

Smart thermostat — Amazon / Home Depot
High-quality air filters — Home Depot / Lowe’s

How to compare quotes

Confirm model numbers and efficiency ratings.
Ask what’s included: line set, pad, drain, thermostat, permits.
Review warranty terms (parts + labor).

Use the calculator

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