Full HVAC System Replacement Cost by City (2026)
Updated 2026
A full HVAC replacement pairs a new furnace (or air handler) with a new AC or heat pump so the system is matched for efficiency. It's the highest-value single home mechanical job. Nationally, expect $5,000-$16,200. Pick your city below for a localized estimate.
$5,000
Low
$10,000
U.S. Average
$16,200
High
What affects full hvac system replacement cost
- Furnace + AC vs. heat pump system
- Combined tonnage and efficiency
- Ductwork repair or redesign
- Thermostat and zoning add-ons
- Permits and multi-day labor
Full HVAC System Replacement cost by city
| City | Typical average | |
|---|---|---|
| New York, NY | $11,500 | View → |
| Los Angeles, CA | $11,500 | View → |
| Chicago, IL | $10,400 | View → |
| Houston, TX | $9,800 | View → |
| Phoenix, AZ | $10,000 | View → |
| Philadelphia, PA | $10,100 | View → |
| San Antonio, TX | $9,800 | View → |
| San Diego, CA | $11,500 | View → |
| Dallas, TX | $9,800 | View → |
| Fort Worth, TX | $9,800 | View → |
| Jacksonville, FL | $10,000 | View → |
| Austin, TX | $9,800 | View → |
| San Jose, CA | $11,500 | View → |
| Charlotte, NC | $9,800 | View → |
| Columbus, OH | $9,700 | View → |
| Indianapolis, IN | $9,600 | View → |
| San Francisco, CA | $11,500 | View → |
| Seattle, WA | $11,100 | View → |
| Denver, CO | $10,500 | View → |
| Nashville, TN | $9,600 | View → |
Frequently asked questions
Is a heat pump cheaper than furnace + AC?
Upfront costs are similar; heat pumps can be cheaper to run in mild climates and may qualify for rebates.
How often should HVAC be replaced?
Most systems are replaced at 15-20 years, or sooner if repairs approach the cost of new equipment.
Are there rebates?
Utility and state energy programs frequently offer rebates on high-efficiency systems - check before buying.
Figures localized from 2026 national baselines. Informational only - see our methodology.