How Much Does HVAC Replacement Cost?
Last updated February 15, 2026Replacing your entire HVAC system is a major investment that affects comfort and energy bills for the next 15-20 years. Here is what homeowners are paying in 2026.
Typical Costs
Central AC + Gas Furnace
$7,000 avg $13,000
Heat Pump System (ducted)
$5,500 avg $12,000
Ductless Mini-Split (whole home)
$8,000 avg $18,000
Full System + New Ductwork
$12,000 avg $20,000
What Affects the Cost?
- System Type
- Heat pumps cost more upfront but reduce energy bills 30-50%. Gas furnaces are cheaper to install in cold climates.
- Home Size
- A 2,500 sq ft home typically needs a 3-4 ton system. Undersized units run constantly; oversized units short-cycle.
- SEER/HSPF Rating
- Higher efficiency (16+ SEER) costs $1,000-$3,000 more upfront but saves $200-$500/year on energy bills.
- Ductwork Condition
- If existing ducts are damaged or undersized, replacing them adds $2,000-$5,000 to the project.
Frequently Asked Questions
A straightforward swap takes 1-2 days. If ductwork modifications are needed, expect 3-5 days.
Yes. Matching components ensures proper sizing and peak efficiency. Mismatched systems lose 10-15% efficiency.
The Inflation Reduction Act offers up to $8,000 in heat pump rebates. Many utilities offer additional incentives for high-efficiency equipment.
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