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Furnace & AC Replacement Cost Calculator

Furnace and AC replacement costs $3,800–$12,500 installed in 2026, depending on what you replace. The AC side reflects 2026 R-454B pricing.

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2026 national range

$3,800–$12,500/

Installed by what's replaced. National average estimate for 2026; AC pricing reflects the R-454B/A2L transition.

Gas furnace only$3,800–$10,000
Central AC only$3,900–$7,900
Furnace + AC (bundled)$5,000–$12,500
Heat pump (whole home)$4,200–$7,600

Educational calculators — always consult a licensed professional before making financial decisions.

Your replacement

01What you're replacing

Replacing the outdoor condensing unit and indoor air handler only. Furnace is staying.

02Home size

Typical for 1–2 bedroom homes, condos, or small ranches. Needs a 1.5–2 ton unit.

03Efficiency level

AC: 13–15 SEER. Furnace: 80% AFUE. Minimum legal efficiency in most states.

04Brand tier

Brands like Goodman or Rheem entry-level. Lower upfront cost, shorter warranties (5–10 years).

05Furnace fuel type

Most common in US. Lowest operating cost per BTU. Requires gas line connection.

Estimated replacement cost

$3,900 – $4,476

AC Unit Only, fully installed

Sourced range for this scope$3,900 – $7,900

Cost Breakdown

Where Your Money Goes

AC Unit42%

$1,785 – $1,722

Labor & Installation58%

$2,115 – $2,754

AC Unit$1,785 – $1,722

Labor & Installation$2,115 – $2,754

Your Selections

ReplacingAC Unit Only

Calculated Tonnage1.5 tons

Efficiencystandard

Fuel Typegas

Positioned inside Angi's 2026 national installed range for this scope (read 2026-09-24). Actual costs vary by region and contractor.

Your Saved Scenarios

No saved scenarios yet

What you'll need

What you're replacing — furnace only, AC only, or both
Current unit age and condition
Efficiency tier you want

What you'll get

Cost by scope — Furnace only, AC only, both bundled, or heat pump
One job or two — Angi's 2026 ranges for a full system vs each unit alone
Installed total — Equipment + labor combined

How it works

Select what's being replaced

Choose furnace only, AC only, or both. Each scope is priced from its own Angi 2026 installed range; a full system is one job, not two jobs less a discount.

Enter home size and efficiency

Home size, efficiency tier and brand tier place your estimate within that range.

Check state & utility rebates

The federal 25C credit ended after Dec 31, 2025 — but many states and utilities still offer rebates on high-efficiency equipment (check DSIRE).

Furnace Only, AC Only, or Both?

What you replace changes the price far more than brand or contractor does. Here is the full installed range for each scope:

Scope	Installed cost
Furnace only	$3,800–$10,000
AC only	$3,900–$7,900
Both (bundled)	$5,000–$12,500
Heat pump (whole home)	$4,200–$7,600

Installed by what's replaced. National average estimate for 2026; AC pricing reflects the R-454B/A2L transition. Prices are Angi's 2026 installed ranges (read 2026-09-24). A full system ($5,000–$12,500) costs more than replacing one unit, but less than a furnace ($3,800–$10,000) and an AC ($3,900–$7,900) bought as two separate jobs. Angi publishes the ranges, not a bundling discount percentage, so none is quoted here.

AC Replacement Cost (Without Replacing the Furnace)

Replacing just the central AC — condenser, coil, and line set, keeping the existing furnace and ductwork — runs $3,900–$7,900 installed. This is the most common scope when only the AC has failed or the furnace is still well within its service life. The 2026 R-454B/R-32 refrigerant transition applies to this scope directly since it's the AC side that changed; expect the higher end of the range if your ductwork or coil also needs modification to accept the new refrigerant's equipment.

Why replace both together

If both units are 10+ years old (or one is failing), replacing them together is one install instead of two — Angi's 2026 ranges put a full system at $5,000–$12,500, below the two single-unit jobs added together — and it gives you matched efficiency ratings and a single warranty start date. The AC and furnace share the indoor coil and blower — a mismatched pairing loses efficiency. If one unit is under ~7 years old, replace them separately.

Efficiency, sizing & the 2026 refrigerant change

AFUE rates furnaces: 80% is the floor, 90–97% high-efficiency (worth it in cold climates — a 96% furnace saves ~16% vs 80%).
SEER2 rates the AC: 2026 minimums are 13.4 (North) / 14.3 (South); 15–16 is the value sweet spot.
Sizing: always require a Manual J load calc — oversizing short-cycles and wears out early.
R-454B/R-32: new AC/heat-pump refrigerant (Jan 2026) adds ~10–15% to the cooling equipment; furnaces are unaffected.

Repair or replace, brands & warranty

Use the "$5,000 rule" (repair cost × age) — over $5,000, replace. Also replace R-22 or R-410A systems near end of life. Brands: Goodman/Amana (value), Rheem/York (mid), Carrier/Trane/Lennox (premium). Install quality beats brand.

Questions to ask — and red flags:

Manual J load calc, and a matched coil?
Itemized quote with model numbers, permit, and any ductwork?
Get three quotes — pricing varies 20–40%. (Beware sizing by rule-of-thumb and one-line verbal quotes.)

Warranty: 10-year parts is standard but only with registration; labor warranty (1–2 yrs) is separate. Buy in spring/fall for the best price.

Other HVAC cost calculators

HVAC Installation Cost Calculator — for a full new system rather than a like-for-like replacement.
Central Air Installation Cost Calculator — adding central AC to a home that doesn't already have it.

By RealCost Editorial TeamReviewed by RealCost Editorial TeamLast updated September 28, 2026 with September 2026 data

This page prices four scopes separately: furnace only, AC only, both together, or a heat pump; the calculator prices the first three. Each scope has its own installed range from Angi's 2026 data, and the calculator places your answers inside it. Replacing both at once is priced as one full-system job, not as two jobs less a discount: Angi publishes the ranges, not a discount percentage.

How the estimate is built

The calculator first builds a relative estimate from your inputs, then places it inside Angi's 2026 installed range for the scope ($5,000–$12,500 for a full furnace-and-AC system, read 2026-09-24). At a 2,000 sq ft home (2.5 tons) with standard efficiency and a mid-range brand, the relative model gives AC $1,400–$2,200, furnace $900–$1,500 and labor $1,200–$2,500: $3,500–$6,200. Across every option the calculator offers, that model runs from $2,475 to $17,250, which is mapped onto $5,000–$12,500. $3,500 sits 1,025 / 14,775 of the way up, so the low end is $5,000 + 6.94% × $7,500 = $5,520; $6,200 sits 3,725 / 14,775 of the way up, so the high end is $5,000 + 25.21% × $7,500 = $6,891. The estimate is $5,520–$6,891. The same inputs priced as two single-unit jobs come to $8,346–$10,729, which is what Angi's lower full-system range implies; no separate discount line is added.

A heat pump is priced as its own scope rather than as a discount off the bundle: $4,200–$7,600 installed, against $5,000–$12,500 for a full furnace-and-AC replacement (Angi, 2026). A heat pump replaces both heating and cooling in one piece of equipment, so it can come in below the two-unit job; new ductwork or electrical work is extra in either case.

Why this estimate carries no tax credit

This calculator's tax-credit field returns $0 for every scope, deliberately. The federal 25C Energy Efficient Home Improvement Credit — which covered up to $600 for a qualifying central AC or gas furnace and up to $2,000 for a heat pump — ended for equipment placed in service after December 31, 2025 under the One Big Beautiful Bill Act. A 2026 installation of any scope on this page gets no federal credit; state and utility rebate programs are not modeled here and should be checked separately.

The labor market behind the installed price

Labor on this page ranges from $700–$1,500 for a furnace-only swap to $1,200–$2,500 for a combined job, and that spread tracks the Bureau of Labor Statistics' count of 409,670 HVAC mechanics and installers nationally (May 2025), with a mean hourly wage of $31.14. That sits a little below the $65,360 mean annual wage across all construction and extraction occupations — a useful benchmark when a bundled quote's labor line looks high relative to the equipment it's installing.

Methodology

Installed ranges per scope are Angi's 2026 HVAC replacement figures (read 2026-09-24), imported from the same table the HVAC repair-or-replace tool uses; the module's tonnage-scaled constants only position an estimate inside that range. No bundle discount is modelled: Angi publishes a lower full-system range, not a discount percentage. Wage figures are BLS OEWS May 2025 for SOC 49-9021. No federal tax credit is applied to any 2026 scope on this page.

Sources

HomeGuide — HVAC Cost (2026) — accessed 2026-07-13
Angi — Save Money Replacing Heat & AC at the Same Time (2026) — accessed 2026-07-13
U.S. Bureau of Labor Statistics — OEWS Profile, HVAC Mechanics and Installers (49-9021), May 2025 — accessed 2026-09-07

What's included — and what's extra

Usually included

Furnace and/or condenser + coil
Line set, pad, and whip
Basic thermostat & startup
Permit & old-unit haul-away

Often extra

New/sealed ductwork
Electrical or gas-line work
Smart thermostat, zoning
Chimney liner (high-efficiency venting)

Frequently asked questions

Should I replace my furnace and AC at the same time?

If both units are over 10 years old or one is near end of life, replacing both together is one install instead of two: Angi's 2026 ranges put a full system at $5,000–$12,500, below a gas furnace ($3,800–$10,000) and central AC ($3,900–$7,900) replaced as separate jobs. You also get matched efficiency ratings, a single warranty start date, and one service call. If one unit is relatively new (under 7 years), replace them separately to maximize each unit's lifespan.

How much does furnace replacement cost?

Replacing a gas furnace on its own costs $3,800–$10,000 installed (Angi, 2026). Where you land in that range depends on the unit's efficiency rating (AFUE), its capacity, and how much ductwork or venting has to change — a high-efficiency condensing furnace needs different venting than an 80% AFUE unit, which is a common reason a quote lands at the top of the range. Replacing the furnace and central AC together runs $5,000–$12,500, and a heat pump $4,200–$7,600.

How long do furnaces and AC units last?

Gas furnaces last 15–25 years with proper maintenance. Central AC units last 12–17 years. Heat pumps last 15–20 years. Key factors affecting lifespan: filter changes (monthly or quarterly), annual professional maintenance, proper sizing, and local climate. Units in very hot or cold climates run harder and wear faster.

What is a good AFUE rating for a furnace?

AFUE (Annual Fuel Utilization Efficiency) measures furnace efficiency. 80% AFUE is the federal minimum for most climates. 90–95% is considered high-efficiency. 96–98% are premium units that save the most on fuel. In cold climates, upgrading from 80% to 96% AFUE saves roughly 20% on heating bills annually — the payback is typically 5–8 years in cold areas.

Does the 2026 refrigerant change affect AC replacement cost?

Yes, for the AC side. Since January 1, 2026, new residential AC and heat pump systems must use a low-GWP (under 700) A2L refrigerant — R-454B (GWP 466) or R-32 (GWP 675) — instead of R-410A (GWP 2,088). The new leak-detection hardware and A2L-rated components raise AC equipment cost by roughly 10–15%. Gas furnaces are unaffected by the refrigerant rule. If you're replacing only the furnace, this does not apply; if you're replacing the AC or bundling both, expect the higher 2026 equipment pricing.

How much does it cost to replace just the AC, without the furnace?

Replacing central AC only — condenser, coil, and line set, keeping the existing furnace and ductwork — runs $3,900–$7,900 installed (Angi, 2026). This is the most common scope when the AC has failed but the furnace still has useful life left.

Is it cheaper to replace the furnace and AC together?

Cheaper than two separate jobs, not cheaper than one. Angi's 2026 ranges put a full furnace + AC replacement at $5,000–$12,500 installed, against $3,800–$10,000 for a gas furnace alone and $3,900–$7,900 for central AC alone. Angi publishes those ranges, not a bundling discount percentage, so this page does not quote one.

What does a whole-home heat pump replacement cost compared to a furnace and AC?

A heat pump installed runs $4,200–$7,600, against $5,000–$12,500 for a bundled furnace + AC replacement (Angi, 2026). A heat pump replaces both heating and cooling with one system rather than two separate units, which is why it's priced on its own rather than as a discount off doing furnace and AC separately. New ductwork or electrical work is extra in either case.

Methodology & sources

The cost figures on this page are generated from a single, sourced cost-data file (Installed by what's replaced. National average estimate for 2026; AC pricing reflects the R-454B/A2L transition.). Replacing both at once ensures matched efficiency and one install. Gas furnaces are unaffected by the refrigerant rule; the AC side uses low-GWP R-454B/R-32 (~10–15% higher equipment cost). A full system with new ductwork can reach about $22,000 (Angi). Last verified September 2026.

Angi — How Much Does HVAC Replacement Cost? [2026 Data] (updated Aug 3, 2026) — retrieved 2026-09-24

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