When your heating and cooling systems begin to fail, the most pressing question for any homeowner is: what is the cost to replace AC and furnace in today’s market? In 2026, investing in a complete HVAC overhaul is more than just a repair—it’s a strategic move toward long-term home efficiency, smarter climate control, and significant energy savings.
At Hutchinson Heating and Air, we don’t just provide quotes; we provide clarity based on decades of boots-on-the-ground experience. Having performed thousands of installations across Temecula, Murrieta, and the surrounding communities, we understand that every home has a unique “energy fingerprint.” Whether you are navigating the latest 2026 high-efficiency standards or looking for a reliable budget-friendly replacement, this guide breaks down the real-world variables—from system sizing and SEER2 ratings to the hidden complexities of modern installation.
Average Cost to Replace AC and Furnace
The country wide average cost to replace AC and furnace levels from about $7,000 to $15,000 for maximum residential structures. This estimate consists of each gadget and set up hard work. For high‑performance structures, large houses, or vast set up necessities, the furnace and AC replacement cost can be better.
In general:
A wellknown crucial air con unit usually prices between $2,500 and $7,500. A new furnace frequently levels from $2,000 to $6,500 relying on gasoline kind and performance rating. Installation hard work typically bills for 30% to 40% of the general project, which include elimination of current gadget, device setup, calibration, and fundamental ductwork tweaks.
When combined, the furnace and AC unit price typically falls between $6,500 and $12,000 for wellknown installations.
Do You Really Need to Replace Both Systems?
Not every homeowner needs to replace both systems simultaneously. Some HVAC companies push dual replacements simply for higher revenue. Here’s when replacing both makes financial sense:
When Replacing Both is Smart:
Your AC is over 10 years old AND your furnace exceeds 15 years – If both systems are aging with declining performance, simultaneous replacement prevents two separate installations within a few years.
You’re upgrading to high-efficiency equipment (16+ SEER) – Your furnace and AC share the indoor blower motor. Installing high-efficiency AC with an old furnace wastes your investment. Equipment compatibility matters:
- Single-stage ACs work with any furnace
- Two-stage ACs need two-stage or variable-speed furnaces
- Variable-speed ACs only pair with variable-speed furnaces
Major financial changes are approaching – If a future furnace replacement will strain your budget, installing both now provides 15+ years of predictable comfort.
The Real Savings of Combined Installation
Installing both systems together saves $2,500 to $5,000 compared to separate installations through reduced labor costs, bulk equipment discounts, and installation efficiency.
Real Example: A 3-ton AC ($7,500) plus 80,000 BTU furnace ($6,800) totals $14,300 separately. Combined installation costs $10,500-$11,800, saving $2,500-$3,800.
What Determines the Furnace and AC Replacement Cost?
Several key elements affect the cost to replace AC and furnace, which include:
System Size and Capacity
Larger houses require better‑ability structures, which growth each gadget and hard work prices. A successfully sized device additionally operates extra efficiently, stopping pointless electricity waste.
Energy Efficiency Ratings
Higher performance structures price extra in advance however considerably lessen month-to-month application bills. Equipment with better SEER (for AC) and AFUE (for furnaces) scores usually results in higher consolation and long‑time period savings, which many owners discover really well worth the preliminary premium.
Installation Complexity
Homes that want ductwork modifications, electric upgrades, or fueloline line modifications can see an growth withinside the universal furnace and AC replacement cost because of introduced hard work and materials.
Local Labor and Permitting
Permits, inspections, and neighborhood hard work fees additionally affect the very last price. In areas like Temecula and Murrieta, HVAC specialists comply with strict code necessities and inspection procedures that make sure protection and compliance.
Furnace Air Conditioner Combo Cost vs. Separate Replacement
Replacing each structures immediately generally effects in a decrease furnace air conditioner combo cost in comparison to changing every unit one at a time over exceptional years. Installing a matched device guarantees additives paintings collectively seamlessly, enhancing ordinary overall performance and performance.
Many house owners mistakenly update simplest the AC even as leaving an older furnace intact. However, mismatched additives can reason inefficient operation, choppy airflow, and elevated application expenses. Coordinated alternative is frequently the high-quality fee withinside the lengthy run.
Factors Influencing Furnace and AC Unit Cost
1. System Efficiency and Type
Your biggest cost factor is system efficiency, measured by SEER ratings (cooling) and AFUE percentages (heating).
Single-Stage Systems ($8,000-$12,000 combined)
- Run at full capacity or off
- Most affordable upfront
- Higher monthly utility bills
Two-Stage Systems ($12,000-$16,000 combined)
- Operate at 65% or 100% capacity
- Better efficiency and quieter operation
- Moderate energy costs
Variable-Speed Systems ($16,000-$22,000+ combined)
- Adjust output continuously 25%-100%
- Maximum efficiency and comfort
- Lowest utility bills
Homeowners upgrading from 20-year-old systems typically see $80-$150 monthly energy savings with variable-speed equipment.
2. Square Footage and Heating/Cooling Load
Proper sizing requires Manual J load calculations—not just square footage. Professional contractors consider insulation, windows, occupants, climate, and ductwork capacity.
AC Sizing Guidelines:
- 1,200-1,500 sq ft: 1.5-2.5 tons ($6,000-$8,500)
- 1,500-2,000 sq ft: 2-3 tons ($7,000-$9,500)
- 2,000-2,500 sq ft: 3-4 tons ($8,500-$11,000)
- 2,500+ sq ft: 4-5+ tons ($10,000-$14,000)
Furnace Sizing Guidelines:
- 1,200-1,500 sq ft: 40,000-60,000 BTUs ($4,500-$6,500)
- 1,500-2,000 sq ft: 60,000-80,000 BTUs ($5,500-$7,500)
- 2,000-2,500 sq ft: 80,000-100,000 BTUs ($6,500-$8,500)
- 2,500+ sq ft: 100,000-120,000+ BTUs ($7,500-$10,000)
Warning: Improper sizing causes 20-30% higher energy bills, reduced lifespan, and frequent repairs.
3. System Configuration and Fuel Type
Split Systems (most popular) feature separate indoor and outdoor units. Packaged Units house all components in one cabinet for space-limited homes.
Fuel Options:
- Natural Gas: Most common, lowest operating cost
- Propane: Good for rural areas
- Oil: $500-$1,500 more than gas
- Electric: Lower installation cost, higher monthly bills
- Heat Pumps: Efficient heating and cooling combined
4. Installation Complexity
These factors add $500-$3,500 to installation costs:
- Attic or crawlspace access challenges
- Ductwork modifications ($1,500-$5,000)
- Electrical upgrades ($500-$2,000)
- Refrigerant line replacement ($500-$1,500)
5. Geographic Location
Urban and high-cost areas see 20-35% higher prices due to increased labor rates and permits. Regional climate influences system selection—hot climates prioritize cooling efficiency while cold regions invest in heating performance.
6. Manufacturer and Energy Efficiency Ratings
Well-known manufacturers with ENERGY STAR® certification cost more upfront but deliver better reliability and energy savings. High-efficiency systems qualify for valuable incentives:
2025 Federal Tax Credits:
- Up to $2,000 for qualifying heat pumps
- Up to $600 for high-efficiency furnaces and ACs
7. The Contractor You Choose
Professional installers charge 15-25% more than budget competitors but prevent costly problems through:
- Detailed load calculations
- Proper equipment sizing and matching
- Complete system testing
- Comprehensive warranties
Choose licensed, insured contractors with 10+ years experience, positive reviews, and detailed written estimates.
Extras and Upgrades That Affect Cost
In addition to primary alternative pricing, numerous elective enhancements affect the very last furnace and AC replacement cost:
- High‑performance air filtration and air purification structures
- Smart thermostats and zoning controls
- Variable‑velocity blower automobiles for quieter and greater particular comfort
- Ductwork sealing and insulation enhancements
- Humidity manipulate additives
While those extras growth preliminary price, they drastically enhance comfort, indoor air quality, and lengthy‑time period HVAC overall performance — and lots of house owners discover them worthwhile.
For more detail read our blog: How much does a HVAC system cost?
How Much Does It Cost to Install Furnace and AC Combo?
A furnace and AC combination system is an excellent way to upgrade your home’s HVAC efficiently and cost-effectively. The furnace air conditioner combo cost typically ranges from $5,000 to $8,000, depending on the size of the system and the complexity of the installation. Opting for a combined system can save you generally 10% to 30% compared to purchasing and installing the furnace and AC units separately.
Long‑Term Savings vs. Upfront Furnace and AC Unit Cost
Although the cost to replace AC and furnace may be substantial, new structures provide lengthy‑time period financial savings. High‑performance devices use much less power, decreasing month-to-month heating and cooling expenses. Over time, those financial savings can offset a part of the preliminary investment.
Modern structures additionally usually require fewer upkeep and supply greater regular comfort, which provides fee past the charge tag.
Signs It`s Time to Replace Both AC and Furnace
Homeowners frequently ask whether or not they ought to restore or update their structures. The following are not unusualplace signs that alternative makes greater economic sense:
- Frequent breakdowns or luxurious upkeep
- Age of structures drawing near 15‑20+ years
- Rising power payments regardless of everyday use
- Inconsistent temperatures in the course of the home
- Unusual noises or seen rust/corrosion
If you revel in numerous of those caution signs, it`s beneficial to assess the furnace and AC replacement cost and take into account making an investment in new gadget in preference to purchasing ongoing upkeep
Cost Comparison: Mid‑Range vs. High‑Efficiency Systems
To deliver a clearer image of ways performance impacts charge:
Mid‑Range Furnace and AC Replacement Cost:
A proper stability of overall performance and charge, frequently with SEER rankings withinside the mid‑variety and trendy AFUE furnaces.
High‑Efficiency Furnace and AC Replacement Cost
Includes structures with pinnacle SEER and AFUE rankings, superior features, and top rate warranties. These can value greater prematurely however frequently offer the bottom lifetime working expenses.
Hutchinson Heating and Air can assist house owners weigh those alternatives primarily based totally on their consolation desires and budget.
Why Professional Installation Matters
The very last charge isn`t pretty much equipment. Proper set up is vital to maximizing overall performance and keeping off issues down the road.
A expert provider ensures:
- Accurate gadget sizing primarily based totally in your home`s layout
- Correct ductwork connections and airflow stability
- Safe fueloline and electric connections
- Compliance with neighborhood codes and inspection standards
- Peace of thoughts with guarantee protections
DIY or low‑nice installations can also additionally seem inexpensive at the beginning however frequently bring about expanded restore fees and decreased gadget lifespan.
How to Save Money on Furnace and AC Replacement
Financing Options: Many HVAC companies offer 0% financing for 12-24 months or low-interest loans for longer terms.
Rebates and Incentives: Combine manufacturer rebates ($300-$2,000), utility company programs, and federal tax credits to reduce costs by $1,000-$4,000.
Best Timing: Spring and fall offer better availability and competitive pricing versus emergency summer or winter replacements.
Maintenance Plans: Annual service ($150-$300/year) prevents 80% of breakdowns and maintains efficiency, recovering costs through energy savings.
Hire a Professional: Never attempt DIY installation. Improper installation voids warranties and creates safety hazards.
Common Mistakes to Avoid When Replacing Your Furnace and AC
When upgrading your furnace and air conditioner, steer clear of these frequent errors:
- Selecting equipment that’s improperly sized for your home, either oversized or undersized, which can compromise both comfort levels and system efficiency
- Overlooking energy efficiency specifications – whenever feasible, prioritize ENERGY STAR certified models
- Skipping a professional assessment of your home before finalizing your equipment selection
How Long Does a Furnace and Air Conditioner Last?
Most air conditioners and furnaces can perform properly for 10-15 years. After this period, efficiency begins to decline and repair frequency usually increases. If your air conditioner or furnace is this age, you may want to consider replacement options especially if you are experiencing any problems with performance. Being proactive about replacing your system will provide you with peace of mind and savings in your energy bill and repair costs.
Conclusion: Is Replacing Your Furnace and AC Worth the Investment?
Understanding what is the cost to replace AC and furnace allows you propose financially, pick out wisely, and spend money on lengthy‑time period domestic comfort. While the in advance furnace and AC unit cost may be vast, changing each structures collectively frequently yields higher overall performance, decrease electricity bills, and less maintenance over time.
If you`re prepared to discover options, examine structures, or time table a expert estimate, Hutchinson Heating and Air is right here that will help you each step of the way — from selecting the proper device to finishing a ideal set up.
Get a Free Quote on Furnace & AC Replacement
Thinking about replacing your furnace and air conditioner together? Call us today for expert guidance and affordable installation options.
FAQs
Is it cheaper to replace AC and furnace together?
Yes, replacing both together usually lowers overall costs because you save on labor and installation fees compared to doing them separately.
What is the average cost of a new furnace and air conditioning unit?
A typical new furnace and AC installation costs between $5,000 and $12,000, depending on size, efficiency, and brand.
Is a furnace or AC unit more expensive?
Air conditioners often cost more than furnaces due to higher equipment costs and the complexity of installation.
Is it worth replacing a 20-year-old furnace?
Yes, a 20-year-old furnace is past its lifespan, so replacement improves efficiency, safety, and reduces repair expenses.
What is the $5000 rule for AC?
The $5,000 rule suggests if the repair cost plus the age of the AC (in years × repair cost) exceeds $5,000, replacement is more cost-effective than repairs.
