Your HVAC system is the most expensive mechanical system in your home. A replacement quote of $10,000-$15,000 is normal — but the range is wide enough that knowing fair pricing can save you thousands.
HVAC Replacement Costs
| System | Equipment | Total Installed |
|---|---|---|
| Central AC (3 ton) | $1,500–$3,500 | $4,000–$8,500 |
| Gas furnace (96% AFUE) | $1,500–$3,500 | $3,000–$7,000 |
| AC + furnace combo | $3,000–$6,500 | $8,000–$18,000 |
| Ducted heat pump | $2,000–$5,000 | $5,000–$12,000 |
| Ductless mini-split (per zone) | $500–$2,000 | $1,500–$5,000 |
Where the Money Goes
Equipment is only 40-60% of the total cost. The rest breaks down as: labor (25-35%), materials and ductwork modifications (5-15%), permits and inspection (2-5%), and disposal of old equipment (2-3%). If your quote doesn't break these out, ask for a detailed line-item breakdown.
Seasonal Savings
HVAC companies are busiest in extreme hot and cold months. If your system still works, scheduling a replacement in spring (March-May) or fall (September-November) can save 10-20% on labor and may get you better financing offers.
Check Your Quote
Upload your HVAC quote to QuoteScore for free AI analysis against thousands of regional pricing benchmarks.