How much does it cost to replace an HVAC system?
A complete HVAC replacement (furnace + AC + coil + thermostat) costs $5,000 on the low end for a basic 2-ton split system in an affordable market, $7,500 for a typical 3-ton mid-tier setup with standard ductwork, and $12,500+ for a 4–5 ton high-efficiency variable-speed system in a high-cost metro.
Quick price points (2026)
| Scope | Cost | What it includes |
|---|---|---|
| Low | $5,000 | complete system |
| Typical | $7,500 | complete system |
| High | $12,500 | complete system |
How to budget for this project
- Get 3 quotes
Get itemized quotes from at least three licensed contractors in your area.
- Adjust for your region
Compare the same scope and account for regional labor and permitting.
- Add 10–15% contingency
Hidden conditions, code upgrades and permit fees can increase the original quote.
- Plan the cash, not the financing
Build the replacement cost into the home's repair plan before the work becomes an emergency.