Most homeowners replacing both a furnace (heater) and an air conditioner pay between $6,000 and $12,000 total; price depends on unit capacity, efficiency, ductwork condition, and labor. This article breaks down the cost of a new heater and air conditioner and the key variables that change quotes so readers can plan a realistic budget.
| Item | Low | Average | High | Notes |
|---|---|---|---|---|
| Furnace (gas, 80% AFUE) | $800 | $1,800 | $3,500 | Includes basic installed 60k–80k BTU |
| Furnace (gas, 95%+ AFUE) | $1,500 | $3,000 | $5,000 | High-efficiency, mid-size home |
| Air Conditioner (central, 2–3 ton) | $2,000 | $4,500 | $7,500 | SEER 13–16 typical ranges |
| Full HVAC Replace (both units) | $4,000 | $8,500 | $15,000 | Depends on ductwork, matching, and permits |
| Duct Repair/Replace | $500 | $3,500 | $10,000 | Partial repairs vs full replacement |
Typical Total Price To Replace Both Furnace And AC
Buying and installing a new furnace and central AC together commonly ranges from $4,000 to $15,000 depending on capacity and efficiency. Most U.S. homeowners pay about $6,000-$12,000 for mid-efficiency, properly matched systems in average single-family homes.
Assumptions: 1,800–2,400 sq ft home, existing ductwork in fair condition, suburban Midwest pricing.
Breakdown Of Materials, Labor, Equipment, And Permits
The main line items on a contractor quote are equipment, labor, permits, delivery/disposal, and contingency for unforeseen work. Equipment and labor typically account for 70%–85% of the total project cost.
| Materials | Labor | Equipment | Permits | Delivery/Disposal |
|---|---|---|---|---|
| $1,800-$7,000 | $1,200-$4,500 | $200-$1,200 (rigging, crane) | $50-$300 | $100-$600 |
Assumptions: Includes furnace, outdoor condensing unit, basic line set, thermostat, and standard installation crew.
How Unit Capacity And SEER/AFUE Ratings Affect The Final Quote
Increasing AC tonnage or furnace BTU capacity raises both equipment and installation complexity. Example thresholds: moving from 2.5 to 3.5 tons can add $500-$2,000; upgrading from 80% to 95% AFUE furnace typically adds $800-$2,000.
Assumptions: Price deltas reflect common midrange product lines and standard installation access.
Ductwork, Line Sets, And Access: What Adds $500–$10,000
Poor ducts or long refrigerant runs change a quote dramatically: minor duct repairs $500-$1,500, partial replacement $2,000-$5,000, full duct replacement $5,000-$10,000. Long refrigerant line sets or high rooftops can add $300-$1,200 in equipment and labor.
Assumptions: Single-story vs two-story, attic versus crawlspace access influences labor hours.
Practical Ways To Lower The Cost Of Replacing Heater And AC
Buyers can lower costs by keeping scope tight: replace only failing components, schedule off-season installs, and accept mid-range efficiency. Typical savings: scheduling in spring/fall can cut labor premiums by 5%–15%; choosing SEER 14 instead of SEER 18 can save $1,000-$3,000.
- Get 3 written quotes with identical scope.
- Bundle furnace and AC replacement to save on matched-system discounts and single mobilization.
- Prepare space and move obstructions to reduce labor hours.
Regional Price Differences: Metro, Suburban, And Rural Examples
Prices vary: urban metros often run 10%–25% higher than nearby suburbs; rural areas may have higher travel/minimum charges. Example: same mid-efficiency combo costs about $7,500 in a metro, $6,500 in suburbs, and $8,000 in remote rural areas.
Assumptions: Percentages reflect contractor overhead, labor market, and permit costs across regions.
Real-World Quote Examples With Specs And Labor
| Scenario | Specs | Labor Hours | Price |
|---|---|---|---|
| Budget Replace | 80% AFUE furnace 60k BTU + 2.5 ton AC, SEER 13, reuse ducts | 8-12 hours | $4,000-$6,000 |
| Mid-Range Match | 95% AFUE furnace 80k BTU + 3 ton AC, SEER 16, minor duct repairs | 12-20 hours | $7,000-$10,000 |
| High-End Install | 2-stage furnace 110k BTU + 4 ton inverter AC, SEER 18, new ducts | 20-40 hours | $11,000-$18,000 |
Assumptions: Labor hours include two-person crew; approximates local rates.
Common Add-Ons And Fees That Raise The Final Invoice
Watch for add-ons: condensate pumps $150-$400, electrical service upgrades $500-$2,500, CO/venting work $200-$1,000, and warranty extensions $100-$500. Unexpected permit upgrades or code-required combustion air changes can add $200-$1,200.
Assumptions: Local code enforcement and home age determine prevalence of these add-ons.