Hey there, Tony Marino here. If you’re considering upgrading your home’s heating and cooling, you’ve probably been asking yourself questions like: “How much are split AC units?”, “What’s the mini split system cost?”, or “How much is ductless air conditioning?” Believe me, you’re not alone. Choosing the right system can feel overwhelming, with so many options, sizes, and costs to consider. Today, we’re breaking it all down—step by step—so you can make an informed decision that fits your home, lifestyle, and budget.
We’ll cover everything from split AC unit cost to ductless heating and cooling systems cost, explain the differences between systems, and share insights on installation, maintenance, and energy efficiency.
Understanding Split HVAC Systems
Let’s start with the basics. A split HVAC system is one of the most common setups for homes with existing ductwork.
Components of a Split System
A split system has two main parts:
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Indoor Unit (Air Handler) – This is the part that blows cooled or heated air into your home through ducts. It also contains the evaporator coil, which absorbs heat from your indoor air.
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Outdoor Unit (Condenser/Compressor) – This is the part you see outside your home. It releases heat from inside the home to the outdoors.
Split systems are great for larger homes, or houses that already have ductwork installed. They are reliable, efficient, and designed to handle the climate in almost any U.S. region.
How Split Systems Work
Split systems operate by circulating refrigerant between the indoor and outdoor units. The refrigerant absorbs heat from your home and transfers it outside, cooling the indoor air. When in heating mode, some systems (heat pumps) can reverse this process to warm your home efficiently.
For a detailed technical breakdown, check out this guide from Energy.gov on air conditioning systems.
Understanding Ductless Mini Split Systems
If your home doesn’t have ducts, or you’re adding an addition or garage, a ductless mini split system might be your best option.
Components of a Ductless Mini Split
A mini split system also has two main components:
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Outdoor Unit – This houses the compressor and condenser.
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Indoor Units – Mounted on walls or ceilings, these units distribute air directly into individual rooms or zones.
Mini splits are versatile, allowing you to heat or cool multiple zones independently. This flexibility often translates into lower energy bills because you’re not wasting energy cooling or heating unused spaces.
How Ductless Systems Work
Ductless systems use refrigerant lines instead of air ducts. Each indoor unit can be controlled independently, giving homeowners precise temperature control in each room. Many modern mini splits use inverter technology, which adjusts the compressor speed for consistent, efficient operation.
For more on mini splits, see HVAC.com’s mini split guide.
Split and Ductless HVAC Costs
Now, let’s talk dollars. Homeowners often ask, “What’s the cost of a ductless mini split?” or “How much is a split HVAC system?” Costs vary widely depending on system size, brand, and installation complexity.
Split System Costs
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Installation: $3,000–$7,000 on average. Larger homes or complex installs can go higher.
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Maintenance: $150–$300 per year for annual tune-ups.
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Energy Bills: New systems with 14.5 SEER2 efficiency, like the Goodman 3 Ton 14.5 SEER2 R-32 Bundle, can save 15–20% on cooling costs compared to older systems.
Ductless Mini Split Costs
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Installation: $2,000–$5,000 per zone, depending on indoor units needed.
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Maintenance: $150–$300 annually.
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Energy Bills: Highly efficient with inverter technology, mini splits often cost less to run than traditional systems because you only condition the rooms you use.
Want to dig deeper into ductless costs? This HomeAdvisor article breaks down costs by system size and brand.
Factors That Affect Costs
When calculating the cost of split or ductless systems, consider these factors:
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System Size – Measured in tons or BTUs, the size of your home determines the cooling/heating capacity needed.
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Installation Complexity – Longer refrigerant lines or tricky placements raise costs.
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Brand and Efficiency – High-efficiency models or premium brands cost more upfront but save money over time.
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Number of Zones – More zones in ductless systems mean higher installation costs.
For a deeper dive into how size and efficiency impact costs, check out Energy Star’s HVAC efficiency guide.
Benefits of Upgrading Your HVAC System
Upgrading your HVAC system isn’t just about comfort—it’s an investment in your home and your energy bills.
Energy Efficiency
Newer systems with higher SEER ratings are far more efficient than units installed 10–15 years ago. This efficiency means lower monthly energy bills. A 14.5 SEER2 system can save hundreds annually, depending on your climate and usage.
Improved Comfort
Modern split and ductless systems offer better temperature control, humidity management, and quieter operation. Some mini splits even have air purification filters to improve indoor air quality.
Flexibility
Ductless systems allow homeowners to cool or heat rooms independently. This zoning capability is perfect for home offices, additions, or rooms that aren’t used every day.
Environmental Impact
Eco-friendly refrigerants like R-32 used in modern systems reduce greenhouse gas emissions, making your HVAC upgrade a step toward a greener home.
Slim Air Conditioning Units
A hot trend today is slim air conditioning units. These indoor units have a low-profile design that fits neatly on walls or ceilings. Ideal for homes with limited space, they combine high efficiency and aesthetic appeal.
Slim units are often used in ductless mini splits, making them a perfect solution for condos, apartments, or tight spaces.
Installation Tips
Proper installation is critical for optimal performance and longevity.
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Hire a Licensed HVAC Contractor – DIY installation is risky and can void warranties.
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Correct Sizing – Oversized systems cycle too frequently, while undersized units struggle to maintain comfort.
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Optimal Placement – Indoor units should avoid direct sunlight or obstructions, while outdoor units need adequate airflow.
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Maintenance Plan – Schedule annual maintenance for efficiency and reliability.
Replacement Considerations
Wondering about the cost to replace a split HVAC system?
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Age of Existing Unit – Systems over 10–15 years old may need replacement.
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Frequent Repairs – Constant breakdowns often mean replacement is more cost-effective than repair.
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Energy Efficiency Goals – Replacing with a higher SEER-rated unit can save money long-term.
Final Thoughts
Choosing the right HVAC system can seem overwhelming, but with the right information, it becomes a manageable and even exciting decision. Whether you’re considering a traditional split system or a ductless mini split, focus on efficiency, comfort, and your home’s specific needs.
For those ready to explore top-quality systems, check out the Goodman 3 Ton 14.5 SEER2 R-32 Bundle. It combines reliability, energy efficiency, and modern refrigerant technology for a system that will keep your home comfortable for years.
Remember, I’m Tony Marino, and I’ve been helping homeowners make smart HVAC decisions for years. Stay informed, stay efficient, and stay comfortable!
