If you’re a homeowner, the question “how much does a new HVAC system cost?” probably crosses your mind every time summer or winter hits. Replacing your heating and cooling system is a big investment, and it’s not always easy to know what’s a fair price. Between HVAC replacement costs, installation complexity, and efficiency ratings, the numbers can get confusing fast.
I’m Mike Sanders, and I’ve spent over 20 years in HVAC. I want to give you a straightforward, no-nonsense breakdown of what goes into HVAC system costs, what you can expect to pay for installation, and how to choose a system that delivers comfort without emptying your wallet.
Let’s dig into new furnace and AC cost, installation factors, and what a modern, energy-efficient bundle like the Goodman 3 Ton 14.5 SEER2 R-32 Bundle brings to the table.
🔍 What’s Driving HVAC System Cost?
When thinking about HVAC replacement, there are several cost components you need to consider. Many homeowners focus only on the unit’s sticker price, but that’s just part of the equation. The total HVAC system cost depends on:
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Equipment price – The cost of your furnace, air conditioner, or heat pump.
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Installation cost – Labor, ductwork modifications, electrical work, and permits.
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Efficiency level – Higher SEER2 ratings for AC and higher AFUE for furnaces reduce energy bills but raise upfront costs.
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Additional components – Thermostats, zoning systems, or advanced filtration systems add to the total.
💰 Average HVAC Replacement Cost
According to HomeAdvisor, the average new HVAC system prices in the U.S. typically fall between $7,000 and $15,000. Here’s a closer look at what contributes to that range:
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Air Conditioner Only: $3,500–$8,500 installed
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Furnace Only: $3,000–$7,500 installed
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Full HVAC Replacement (Furnace + AC): $6,500–$15,000 installed
If your home has existing ductwork, installation costs can be lower. Installing central air with ducts already in place often costs $2,500–$5,000 for labor. If new ductwork is required, expect an additional $1,500–$5,000, depending on the size of your home and complexity of the layout.
For homeowners asking “how much to install central air with existing ductwork?”, that’s usually the sweet spot for value — you get a new system without paying extra for duct modifications.
🏠 Factors That Affect HVAC Installation Cost
Understanding what drives HVAC installation cost can help you budget more accurately. Here’s what professionals consider:
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System Size (Tonnage for AC)
Bigger homes need larger systems. For central AC, 1 ton cools roughly 600 square feet. That means a 3,000 sq. ft. home might need a 5-ton AC unit. Oversizing can cause short-cycling and higher energy bills, while undersizing can leave your home uncomfortable. -
Efficiency Rating
Modern units come with energy ratings like SEER2 for AC and AFUE for furnaces. Higher efficiency reduces operating costs but increases the upfront HVAC cost. -
Ductwork & Home Layout
Homes with older or damaged ducts may require repairs or replacement. Multiple levels, large open areas, or complicated layouts also increase labor. -
Electrical Requirements
New systems may need upgraded electrical panels, dedicated circuits, or high-voltage lines. These updates are sometimes overlooked but can add $500–$2,000 to your installation cost. -
Additional Features
Thermostats, zoning, or advanced air filtration systems increase comfort but raise the price of a new furnace and air conditioner.
⚡ Breaking Down HVAC System Cost
Let’s break down the numbers for a typical full replacement system, including both furnace and AC:
| Component | Equipment Cost | Installation Cost | Total Estimated Cost |
|---|---|---|---|
| 3 Ton AC (central) | $3,000–$6,000 | $1,500–$3,500 | $4,500–$9,500 |
| 80–95% AFUE Furnace | $2,500–$6,000 | $1,000–$2,500 | $3,500–$8,500 |
| Full HVAC System | $5,500–$12,000 | $2,500–$5,000 | $8,000–$17,000 |
🛠️ How Much Does It Cost to Replace an HVAC System?
Replacement costs differ depending on whether you’re:
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Replacing an old AC only
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Replacing a furnace only
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Replacing both simultaneously
Replacing both furnace and AC at the same time is usually the most cost-effective approach. Installing them together reduces labor costs, ensures matched efficiency, and often qualifies you for manufacturer warranties that cover the full system.
If you’re wondering “how much does it cost to replace an HVAC system?”, expect a 10–20% discount over separate installations.
🔍 Average Cost of Central Air Installation
Here’s what homeowners typically see when installing central air conditioning:
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Small home (1,000–1,500 sq. ft.): $4,000–$7,000
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Medium home (1,500–2,500 sq. ft.): $5,500–$9,000
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Large home (2,500+ sq. ft.): $7,500–$12,000
These numbers include labor, refrigerant, and startup costs. If you want a more granular estimate, Modernize provides a HVAC replacement cost calculator that factors in your home size and system efficiency.
🔧 What’s Included in a Professional HVAC Installation
Understanding what you’re paying for helps justify new HVAC system prices. A typical installation covers:
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Load Calculation – Ensures your system is correctly sized for your home.
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Indoor Installation – Furnace or air handler placement, duct connections, and setup.
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Outdoor Installation – Condenser placement, electrical connection, and leveling.
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Refrigerant Lines & Charging – Ensures proper cooling performance.
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Testing & Calibration – Verifies efficiency and safety.
For more in-depth insight on professional installation, check This Old House HVAC guide which explains what a licensed installer typically does.
💡 How to Reduce HVAC Replacement Costs
Here are some ways homeowners save without sacrificing quality:
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Use existing ductwork – Avoid costly duct replacement if ducts are in good shape.
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Consider mid-range efficiency units – 14–16 SEER2 AC units offer good savings without high upfront costs.
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Shop through direct-to-consumer distributors – Companies like The Furnace Outlet sell bundled systems at lower prices than traditional dealers.
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Bundle furnace and AC replacement – Saves on labor and ensures warranty coverage.
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Schedule in the off-season – Spring and fall often have lower installation pricing.
🌱 Modern HVAC Systems and Long-Term Value
Energy efficiency isn’t just a buzzword. A modern R-32 refrigerant AC system paired with a high-efficiency furnace can save homeowners hundreds annually on utility bills. Over 10–15 years, these savings can cover much of your initial HVAC system cost.
Additionally, high-efficiency systems reduce wear and tear, improving reliability and lifespan. That’s why many homeowners choose bundled systems, like the Goodman 3 Ton 14.5 SEER2 R-32 Bundle, for both performance and long-term savings.
For energy efficiency comparisons, ENERGY STAR provides excellent data on certified HVAC systems.
📊 What to Expect for Full Furnace + AC Replacement
Here’s a realistic budget scenario for a 3-ton home HVAC replacement using a mid-efficiency bundled system:
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Equipment: $5,000–$6,500
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Installation: $2,500–$4,500
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Total: $7,500–$11,000
Optional add-ons, like smart thermostats or air purification, can increase the total to $12,000+.
If you’re replacing an older system that’s 10–15 years old, this is an ideal opportunity to upgrade to R-32 AC for efficiency, environmental compliance, and future-proofing.
✅ Final Thoughts: Is a New HVAC System Worth It?
Replacing your HVAC system is a major decision, but it doesn’t have to be overwhelming. By understanding new HVAC system cost, factoring in installation, efficiency, and long-term savings, you can make a confident choice.
Bundled systems like the Goodman 3 Ton 14.5 SEER2 R-32 Bundle give homeowners reliable performance, modern refrigerant efficiency, and solid warranties — all at a price that’s often lower than traditional dealer models.
Whether you’re asking “how much to install central air?”, “how much does a new HVAC system cost?”, or “what’s the price of a new furnace and AC?”, having the right information helps you make a smart investment that keeps your home comfortable year-round.
