HVAC · cost by city
Full HVAC System Replacement cost (2026)
Replacing the complete HVAC system — furnace plus central AC or heat pump — together. Enter your city below for an estimate adjusted to local labor, climate and permit fees.
The typical homeowner pays close to $11,500 as a national figure — your city changes the number.
Full HVAC System Replacement cost by type
National ranges by option. Localize any of these to your city below.
| Type | National 2026 range |
|---|---|
| AC + gas furnace (split system) | $7,000 – $13,000 |
| Heat pump system (air-source) | $8,500 – $16,000 |
| Dual-fuel (hybrid heat pump + furnace) | $10,000 – $18,000 |
full HVAC system replacement guides & advice
All guides →Where full HVAC system replacement costs the most & least
See how this project prices out across major U.S. cities in 2026 — tap any one for the full local number.
Most affordable
Full HVAC System Replacement cost by state
Choose your state below; we've localized this project for 1000+ cities across 51 states.
- Alabama12
- Alaska1
- Arizona25
- Arkansas10
- California212
- Colorado21
- Connecticut15
- Delaware2
- District of Columbia1
- Florida73
- Georgia18
- Hawaii1
- Idaho8
- Illinois52
- Indiana21
- Iowa13
- Kansas11
- Kentucky5
- Louisiana9
- Maine1
- Maryland7
- Massachusetts36
- Michigan31
- Minnesota24
- Mississippi6
- Missouri16
- Montana4
- Nebraska4
- Nevada6
- New Hampshire3
- New Jersey22
- New Mexico7
- New York17
- North Carolina22
- North Dakota4
- Ohio33
- Oklahoma11
- Oregon14
- Pennsylvania13
- Rhode Island6
- South Carolina12
- South Dakota2
- Tennessee17
- Texas83
- Utah19
- Vermont1
- Virginia17
- Washington28
- West Virginia2
- Wisconsin20
- Wyoming2
Prefer a full list? Browse all 1000+ cities →
What affects the price
- Whether you choose AC + furnace or a heat pump system
- Total capacity and efficiency tier
- Extent of ductwork repair or replacement
- Zoning and smart-thermostat add-ons
Ways to cut the cost
- Replacing both units together cuts duplicate labor
- Stick to one efficiency tier that fits your climate
- Stack state and utility rebates where offered
- Avoid premium 'comfort' add-ons you won't use
Cheapest time for full HVAC system replacement
Demand for HVAC work falls off a cliff in the shoulder months, and contractors discount to keep their crews booked. Wait for a 100-degree day or a hard freeze, though, and you're paying emergency rates for a system that just quit.
Full HVAC System Replacement cost questions
How much does full HVAC system replacement cost in 2026?
Nationally, full HVAC system replacement runs about $8,000–$15,000, with most homeowners paying around $11,500. Your city moves this based on local labor, climate and permits — El Paso, TX is among the lowest ($10,350) and San Jose, CA among the highest ($14,600).
What are the main types of full HVAC system replacement and how do they compare?
AC + gas furnace (split system) ($7,000–$13,000); Heat pump system (air-source) ($8,500–$16,000); Dual-fuel (hybrid heat pump + furnace) ($10,000–$18,000). Pick a city below to localize any of these to your area.
What affects the cost of full HVAC system replacement?
Whether you choose AC + furnace or a heat pump system; Total capacity and efficiency tier; Extent of ductwork repair or replacement; Zoning and smart-thermostat add-ons.
When is the cheapest time for full HVAC system replacement?
The best window is spring and fall (mar–may, sep–oct), when demand drops and installers discount — typically 5–15% off peak pricing. Avoid peak summer and mid-winter.