HVAC replacement cost in 2026
A full HVAC replacement (AC + furnace or heat pump) typically runs $5,500–$14,000 installed for a single-family home.
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$5,500–$14,000
Typical system replacement in 2026, before applicable rebates and tax credits.
- $3,500–$7,500
AC only
Replace condenser + air handler.
- $5,500–$11,000
AC + gas furnace
Most common full system.
- $8,000–$16,000
Heat pump (ducted)
All-electric, IRA-eligible.
- $4,000–$12,000
Mini-split (ductless)
Per zone, 2–5 zones typical.
Cost factors
System type
Heat pumps and dual-fuel cost more than straight AC + gas furnace.
Tonnage
Sized to square footage and climate; oversized systems waste money and short-cycle.
Efficiency (SEER2)
Higher SEER2/HSPF2 ratings cost more upfront but cut bills.
Ductwork
Sealing, repair, or new ducts add $1,500–$5,000.
Rebates & tax credits
IRA HEEHRA + 25C credits can reduce cost by 30%+.
By state
Labor, permitting, and material costs vary by state. These ranges scale the national average to your region.
| State | Typical range | |
|---|---|---|
| California | $7,400–$18,900 | HVAC in California → |
| Florida | $5,700–$14,600 | HVAC in Florida → |
| Illinois | $5,800–$14,800 | HVAC in Illinois → |
| New York | $7,000–$17,900 | HVAC in New York → |
| Texas | $5,500–$14,000 | HVAC in Texas → |
| Washington | $6,300–$16,100 | HVAC in Washington → |
HVAC replacement cost in 2026
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