IQHab › United States › HVAC › HVAC System Replacement Cost (2026)
HVAC System Replacement Cost
Replacing a full HVAC system (air conditioner plus furnace or heat pump) is one of the biggest home projects. Here's the range.
Per complete system (AC + furnace) · USD
What's included
Labor
$3,000–$5,500
Materials / equipment
$3,800–$9,500
What changes the price
- Heating type — furnace vs. heat pump
- System capacity and zoning
- Ductwork and equipment pad
- Efficiency tier (SEER2 / HSPF2)
Regional notes
- Colder climates typically use furnaces; milder ones favor heat pumps.
- Heat pump installations often vary more by region because of efficiency incentives.
Questions
Should I replace the whole system or just the outdoor unit?
Replacing just one part can strain the other. If the system is old, a full replacement usually gives better efficiency and reliability.
Cost by state
Costs vary by regional labor market. See local estimates for your state:
Browse all U.S. statesHow to get an accurate quote
- Get several quotes and compare, not just price.
- Be specific about size, materials and any existing issues.
- Ask whether the quote includes labor, materials, permits and cleanup.
- Confirm the contractor is licensed and insured before you hire.
What you'll pay
A full HVAC replacement (both heating and cooling) is one of the biggest home projects. Here's the typical range by system type, installed:
| System type | Typical cost |
|---|---|
| AC + gas furnace | $6,500 – $12,000 |
| AC + electric heat pump | $7,000 – $14,000 |
| High-efficiency (SEER2 18+) | $9,000 – $15,000 |
In mild climates, a heat pump replaces both your AC and furnace and can be very efficient — but costs more up front than a gas furnace.
Signs you need a full system
- Both heating and cooling are failing or aging.
- The system is 15+ years old.
- You're replacing one side and the other is near the end of life.
- Energy efficiency is poor and repair costs keep rising.
Example
Replacing a 15-year-old AC and gas furnace with a matched high-efficiency pair runs about $11,000 installed, including a smart thermostat and permit. Adding new ductwork or a heat pump instead pushes toward $14,000+
Replacing just one component of an old system often leaves you with mismatched efficiency and shorter equipment life. Replacing both together is usually the better value.
How to save money
- Bundle the furnace and AC replacement together for a better price.
- Ask about utility rebates and federal tax credits for efficient systems.
- Right-size — a properly sized system costs less and runs better.
- Install in the shoulder season to get better rates.
- Compare 3+ itemized quotes.