Fair-market AC, furnace & heat pump replacement cost — before the sales visit
Use conditioned living space only — don't include an unconditioned garage or attic, or the unit will be oversized.
A heat pump replaces both heating and cooling — no separate furnace is added. Efficiency is the second-biggest cost lever after size.
Ductwork is the most common hidden upsell on in-home quotes. Attic and crawlspace installs add 10–25% labor.
This tool gives a homeowner a defensible fair-market cost range for replacing an AC, furnace, or heat pump before the in-home sales visit — so you walk in knowing whether a $5,000–$16,000 quote is reasonable and don't get upsold. It sizes the equipment from your home square footage and climate, prices it by system type and efficiency tier, then layers in ductwork and install-difficulty adders. The headline is always a low–high installed range, never a single firm price. Everything runs privately in your browser, free.
A 2,000 sq ft home, Mixed climate, replacing an AC + Furnace split system, Mid tier, reuse existing ducts, average install:
So you'd budget roughly $10,900–$15,400 installed and get three written, itemized quotes. Note for 2026: there is no federal 25C tax credit to subtract — it expired Dec 31, 2025.
tons = round(sqft × btu_per_sqft / 12000, 0.5) clamp 1.5..5.0
furnace = round(sqft × heat_btu_per_sqft, 5000) clamp 40k..120k
base = tons × ac_or_hp_rate[tier] (+ furnace_cost[tier] if AC+furnace)
subtotal = (base + duct_adder) × difficulty_mult
low = round(subtotal × 0.85, 100)
high = round(subtotal × 1.20, 100)
federal_25C_credit_2026 = $0 // repealed for installs after Dec 31, 2025btu/sq ft cooling: Hot 25, Mixed 22, Cold 20. Heating btu/sq ft: Hot 30, Mixed 40, Cold 50. AC $/ton: min 1600, mid 2100, high 2900. Heat pump $/ton: min 2200, mid 2900, high 4000. Gas furnace flat: min(80% AFUE) 4200, mid(90–93%) 5500, high(95–97% condensing) 7000. Duct adder: reuse 0, minor 1200, full 4500. Difficulty: easy 0.95, average 1.00, difficult 1.15. A heat pump is priced alone — no furnace is added.
You may have read that the Inflation Reduction Act gives up to $2,000 for a heat pump or $600 for a central AC. For a 2026 install, that is no longer true. The federal 25C Energy Efficient Home Improvement Credit was repealed for any system placed in service after December 31, 2025 by the One Big Beautiful Bill Act of 2025. This tool deliberately does not subtract a federal credit — promising a phantom $2,000 would be the worst possible error.
Still potentially available, and worth checking for your ZIP: state energy-office rebates, utility rebates, and the income-qualified HEEHRA/HEAR upfront rebate (up to $8,000 for a heat pump) in states that have launched it. These are location- and income-dependent and can't be auto-computed. Check the DSIRE database, the ENERGY STAR rebate finder, and Rewiring America.
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Roughly $5,000–$16,000 installed depending on system type, home size, efficiency, and ductwork. A 2,000 sq ft AC + furnace at mid tier lands around $9,000–$13,000; a heat pump replacing both can run $12,000–$20,000+ at higher tiers. Planning ballpark, not a bid.
No. The 25C credit ($2,000 heat pump / $600 AC) was repealed for systems placed in service after Dec 31, 2025. Look instead at state and utility rebates and the income-qualified HEEHRA rebate (up to $8,000) via DSIRE and ENERGY STAR.
About 20–25 BTU cooling per sq ft (1 ton = 12,000 BTU), so a 2,000 sq ft mixed-climate home is roughly 3.5–4 tons. This is a rough guide only — a contractor must run a Manual J load calc, which can differ by ±30%.
Yes — one heat pump heats and cools, so it replaces both. This tool prices it alone and never adds a furnace on top. A dual-fuel backup furnace is a separate, un-modeled add-on.
Cost swings with region, brand, season, and your ductwork. National averages span widely, so the −15%/+20% band is intentionally wide. Get at least three written, itemized quotes.
The 2023 efficiency rating measured under the DOE 'M1' test; it reads lower than the old SEER scale (14.3 SEER2 ≈ 15 SEER old). Don't mix them.
Yes. 100% free, everything runs in your browser.
Private: Everything is calculated in your browser. We don't store or sell your data. Estimate only.