HVAC Replacement Cost Calculator
Estimate how much it costs to replace your heating and cooling system. Get a breakdown for the unit, installation, and removal of the old system.
Estimated HVAC Replacement Cost
Estimates based on US national averages from 2026 pricing data. Get quotes from at least 3 licensed HVAC contractors.
HVAC System Cost Ranges
| System | Installed Cost |
|---|---|
| Central AC only | $3,500 – $7,500 |
| Gas Furnace only | $2,500 – $6,000 |
| Split System (AC + Furnace) | $5,000 – $12,500 |
| Heat Pump | $4,500 – $10,000 |
| Mini-Split (ductless) | $2,000 – $14,500 |
How Much Does HVAC Replacement Cost in 2026?
Replacing a full HVAC system (central AC + gas furnace) in an average home costs $5,000 – $12,500 installed. The unit itself accounts for roughly 50–60% of that cost; labour and ancillary work make up the rest.
When should you replace your HVAC?
- Age — most systems last 15–20 years. If yours is older than that, replacement is almost always more cost-effective than repair.
- Repair cost rule — if repair cost > 50% of replacement cost AND the unit is >10 years old, replace.
- Efficiency — upgrading from a 10 SEER to a 20 SEER system can cut cooling bills by up to 50%.
Federal tax credits
Under the Inflation Reduction Act, qualifying heat pumps and high-efficiency HVAC systems may qualify for a 30% federal tax credit (up to $2,000). Check energystar.gov for current eligible products.