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HVAC System Replacement Cost

Updated 2026 · National average (USD)

Typical cost range
$7,000 – $16,000
Most homeowners pay around $11,000

Complete AC + furnace or heat pump system, installed. Ductwork replacement pushes the high end up.

Replacing a complete HVAC system — both heating and cooling — typically costs between $7,000 and $16,000, installed. Bundling the AC and furnace together often costs less than replacing each separately, and matched systems run more efficiently. Heat pumps are an increasingly popular all-in-one option.

Full system cost by type

Item Typical cost
AC + gas furnace (matched) Most common pairing $7,000 – $14,000
Heat pump system (all-electric) Heats and cools $4,200 – $12,000
Dual-fuel (heat pump + furnace) Best for cold climates $9,000 – $16,000
New ductwork (if needed) Added over system cost $2,000 – $6,000

What affects the cost

  • Whether you replace AC and heating together (bundling usually saves money).
  • Heat pump vs furnace + AC — depends on climate and electricity vs gas prices.
  • Ductwork condition — old or leaky ducts may need replacement.
  • Available rebates and tax credits (e.g. for high-efficiency heat pumps) can lower net cost.

What Size AC & Furnace Do You Need?

Your local climate changes the heating and cooling load for your home. This estimate uses a national mixed baseline — for a location-specific result, open your state page. Enter your details for a quick sizing estimate (BTU, tonnage and a recommended SEER2 range).

Your estimated AC tonnage and furnace size will appear here.

Actual equipment sizing requires a professional Manual J load calculation. This tool provides a rough estimate for general informational purposes only and is not professional advice, a guarantee, or a quote. Results may not reflect your specific situation. Always confirm with a licensed HVAC professional before making any purchase or decision. See our Terms of Service for details.

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Frequently Asked Questions

Is it cheaper to replace AC and furnace together?
Usually yes. Sharing one installation visit reduces labor, and a matched AC + furnace (or a single heat pump) runs more efficiently than mismatched components replaced years apart.
Should I get a heat pump or a furnace + AC?
Heat pumps heat and cool with one all-electric system and shine in mild-to-moderate climates. In very cold regions a dual-fuel setup or a high-efficiency furnace may be better. Local electricity vs gas prices matter — ask a pro to compare for your area.
Are there rebates for a new HVAC system?
Federal tax credits and local utility rebates are often available for high-efficiency systems and heat pumps. A licensed installer can tell you which current incentives apply in your area.

Related cost guides

AC Installation & Replacement Cost $3,900+ Furnace Replacement Cost $3,000+

Cost figures are national average estimates for 2026 and vary by region, brand, equipment efficiency and labor rates. This guide is informational, not a quote — always confirm with a licensed contractor.