ServiCover
📌 Key Takeaway: A full HVAC system replacement averages around $7,500, with most homeowners paying $5,000-$15,000 depending on system type, size and efficiency. The federal 25C tax credit for heat pumps and AC ended on December 31, 2025, so 2026 savings come from state, utility and manufacturer rebates instead.
Leading Equipment Brands
Installation quality matters more than the badge on the unit — a poorly sized or badly installed premium system will underperform a well-installed mid-range one. Still, brand affects price, warranty terms and parts availability.
Carrier / Bryant
Carrier and sister brand Bryant share engineering and offer everything from entry-level to variable-speed systems. Factory-authorized dealers can offer extended warranty options.
Trane / American Standard
Trane and American Standard are built by the same parent company and are often priced at a premium, backed by a strong reputation for longevity.
Lennox
Lennox sells largely through its own dealer network, which can mean higher prices but more consistent installer training.
Goodman / Amana / Rheem
These brands are popular with independent contractors and often come in below the premium names on price, with competitive parts warranties when registered.
2026 Installed Cost Snapshot
| System | Typical Installed Cost |
|---|---|
| Full system (AC + furnace) | $5,000-$15,000 (avg. ~$7,500) |
| Central air conditioner | $3,900-$7,900 |
| Gas furnace | $3,800-$10,000 |
| Electric furnace | $1,700-$7,100 |
| Air-source heat pump | $4,500-$8,000 |
| Geothermal heat pump | $4,500-$24,500+ |
| Ductless mini-split | $2,000-$14,500 |
| New ductwork | $1-$13 per linear foot (avg. ~$3,500) |
What Drives HVAC Pricing
- System size (tonnage) — should be based on a Manual J load calculation, not just square footage or the old unit's size.
- Efficiency rating — each step up in SEER2/AFUE rating can add $350-$1,500.
- Ductwork condition — leaky or undersized ducts can undermine a brand-new system.
- Permits, thermostat and electrical upgrades — permits run $50-$500; a new thermostat $120-$260.
Frequently Asked Questions
Is there still a federal tax credit for HVAC in 2026?
The 25C Energy Efficient Home Improvement Credit expired for equipment installed after December 31, 2025. Check your state energy office and utility for rebates, which vary widely by location.
How long does an HVAC installation take?
A straightforward like-for-like replacement is usually done in one to two days. Adding ductwork or converting to a heat pump can take longer.
How often should HVAC be serviced?
Most manufacturers and contractors recommend professional maintenance once a year per system — cooling in spring, heating in fall. AC tune-ups typically run $70-$150.