A furnace and air conditioner combo, often called an HVAC split system, delivers year-round comfort by providing both heating and cooling in one integrated unit. As millions of Americans consider upgrading or replacing their home systems, understanding the total furnace air conditioner combo cost is crucial to making an informed investment. This guide breaks down typical pricing, installation factors, maintenance, and how to find the best value in 2025.
| Aspect | Typical Cost Range | Key Considerations |
|---|---|---|
| Equipment (Furnace & AC) | $3,000–$7,500 | Brand, capacity, efficiency |
| Installation Labor | $2,000–$5,000 | Complexity, location, existing ductwork |
| Total Installed Cost | $5,500–$13,500 | All-inclusive, standard 2,000 sq ft home |
| Annual Maintenance | $200–$500 | Dual tune-ups, filter changes |
What Is A Furnace Air Conditioner Combo?
A furnace air conditioner combo is an HVAC system that combines a central heating furnace and a central air conditioner, usually sharing the same ductwork and thermostat. These combos provide reliable heat in winter and cool comfort during summer, making them popular for American homes. Options include gas or electric furnaces paired with standard split-system air conditioners.
Average Furnace Air Conditioner Combo Cost In 2025
The cost of a furnace and air conditioner combo can vary widely. For most homes, expect to pay between $5,500 and $13,500 in total for both equipment and installation. Factors like brand, system size, energy efficiency, and job complexity influence the final price.
Breakdown Of Costs
- Furnace unit: $1,000–$3,500 depending on efficiency and fuel type
- Air conditioner unit: $1,500–$4,000 adjusted for capacity and SEER rating
- Installation labor: $2,000–$5,000 based on region and complications
- Add-ons & modifications: $500–$2,000 for ductwork, zoning, or smart thermostats
Key Cost Factors Influencing HVAC Combo Pricing
Several factors significantly affect the total furnace air conditioner combo cost. Awareness of these can help homeowners plan their budget and prioritize features.
System Size And Capacity
The square footage and insulation levels of your home determine the necessary system size, measured in BTUs (furnace) and tons (AC). Larger homes require more powerful—and more expensive—equipment.
Energy Efficiency Ratings
High-efficiency furnaces (AFUE 90%+) and air conditioners (SEER 16+) typically cost more upfront but offer lower utility bills over time. Evaluate long-term energy savings versus higher initial investment.
Brand And Warranty
Premium HVAC brands like Trane, Carrier, and Lennox have higher prices but come with robust warranties and reputations for durability. Value brands such as Goodman or Rheem may offer affordable solutions with shorter warranties.
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Regional Labor Costs
Prices for installation labor vary dramatically by state and even by city. Urban areas and the West Coast generally have higher rates, while Southern and Midwestern towns often see lower installation costs.
Ductwork Condition And Modifications
If your home’s ductwork is new or in good shape, installation costs remain moderate. Duct repairs, cleaning, or redesign introduce additional expenses, as do adding zoning, air purification, or humidification upgrades.
HVAC Combo Installation Process And Timing
Professional installation of a furnace air conditioner combo typically requires 1–3 days, depending on system complexity and site conditions. Here’s what homeowners can expect during the process.
Step-By-Step Installation Overview
- Removal of old equipment and inspection of existing ductwork
- Placement and connection of new furnace and air conditioner units
- Installation of any new refrigerant lines, electrical supply, and venting
- Upgrades to thermostats, zoning, or smart controls if chosen
- Testing for efficiency, leaks, and safe operation
- System walkthrough and maintenance tips from technicians
Inspection And Permits
Most localities require permits and inspections for major HVAC installations. Permit fees cost $100–$500 and ensure work meets safety codes. Reputable contractors handle permitting and coordinate inspections.
Comparing Combo System Types: Gas Vs. Electric Vs. Dual Fuel
Choosing the right type of furnace air conditioner combo impacts both initial cost and operational expenses. The three most common configurations are gas furnace + AC, electric furnace + AC, and dual fuel (heat pump + gas backup).
| Type | Start Price | Energy Cost | Best For |
|---|---|---|---|
| Gas Furnace + AC | $5,500+ | Lower (gas regions) | Cold climates, existing gas lines |
| Electric Furnace + AC | $5,500+ | Higher | Warmer regions, no gas |
| Dual Fuel / Hybrid | $8,000+ | Variable (electric/gas blend) | Mild winters with fluctuating gas/electric prices |
When To Choose Gas, Electric, Or Dual Fuel
- Gas furnaces: Best for cold climates, lower operational cost where natural gas is cheap
- Electric furnaces: Ideal for mild climates or homes without gas access
- Dual fuel: Offers best efficiency in variable weather, often paired with advanced smart thermostats
Popular Brands And Budget Ranges
Choosing a trusted brand impacts both the upfront cost and long-term reliability of your furnace air conditioner combo. Here’s a price comparison for typical installations:
| Brand | Gas Furnace + AC Combo | Electric Furnace + AC | Warranty (Equipment) |
|---|---|---|---|
| Carrier | $7,000–$13,000 | $7,000–$12,000 | 10 years (limited parts) |
| Lennox | $6,800–$12,000 | $6,800–$11,500 | 10 years (parts & compressor) |
| Trane | $7,000–$12,500 | $7,000–$12,000 | 10–12 years (parts & labor) |
| Goodman | $5,500–$9,500 | $5,500–$9,000 | 10 years (parts) |
| Rheem | $7,000–$11,000 | $7,000–$10,500 | 10 years (parts, select units have lifetime heat exchanger warranty) |
High-Efficiency Systems: Are They Worth The Cost?
High-efficiency HVAC combos offer significant energy savings, but come at a premium. For example, a 95% AFUE furnace paired with an 18 SEER AC may cost $2,000–$3,000 more than base models. Reduced energy consumption can cut annual utility bills by up to 30%, resulting in long-term savings and environmental benefits.
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Potential Rebates And Incentives
Federal and state governments often provide rebates, tax credits, or utility incentives for installing ENERGY STAR units. In 2025, the federal energy tax credit can offset up to $600 for AC and $600 for furnaces, further lowering overall expense.
HVAC Combo Replacement Vs. Repair
If an existing system is failing, homeowners often debate between repairing or replacing their furnace or AC. Replacement is usually a better long-term investment if the system is over 15 years old, requires frequent repairs, or is inefficient.
Signs Replacement Is Warranted
- Frequent breakdowns and escalating repair bills
- Excessive noise, uneven heating/cooling, or rising energy costs
- Unit age exceeds 12–15 years
- Desire for improved efficiency, comfort, or air quality features
Annual Maintenance Costs And Tips
Annual HVAC maintenance costs for a combo system average $200–$500, covering two seasonal tune-ups and replacing disposable filters. Proper maintenance boosts efficiency, minimizes breakdown risk, and extends equipment lifespan.
What’s Included In Professional Maintenance
- Cleaning or replacing furnace and AC filters
- Checking refrigerant levels and tightening electrical connections
- Lubricating moving parts and cleaning drain lines
- Testing thermostat calibration and airflow
Saving On Furnace Air Conditioner Combo Installation
Several strategies can help homeowners save on HVAC combo purchases without sacrificing quality or comfort.
Get Multiple Quotes
Obtain at least three quotes from licensed, insured local contractors. Compare warranties, equipment brands, and included services to identify the best value.
Shop Off-Season
HVAC installation demand peaks during extreme weather. Spring and fall installations may yield lower prices and better scheduling availability than summer or winter peaks.
Leverage Financing And Rebates
Many suppliers offer financing options or promotional discounts. Pairing these with utility rebates and federal tax credits can reduce out-of-pocket costs.
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DIY vs. Professional Installation
While some homeowners consider DIY approaches to save, furnace air conditioner combo installation should always be performed by trained professionals. Mistakes may result in safety hazards, lost warranties, and costly code violations.
Benefits Of Professional Installation
- Adherence to building codes and safety standards
- Proper sizing and optimization for home efficiency
- Warranty protection through approved service
- System performance reliably tested on completion
Frequently Asked Questions (FAQ) About Furnace Air Conditioner Combo Cost
How Long Do Furnace AC Combos Last?
On average, HVAC combo systems last 15 to 20 years with regular maintenance. High-efficiency and premium brand systems may last longer, while poorly maintained units have shorter lifespans.
Can I Replace Just The Furnace Or AC?
Yes, it’s possible to replace just one component, but for maximum efficiency and compatibility, replacing both at the same time is often recommended—especially if both are nearing the end of their service life.
Are There Special Considerations For Older Homes?
Older homes may require ductwork upgrades, electrical improvements, or asbestos abatement, which can add to installation costs. A reputable contractor should assess these factors before providing final pricing.
How Can I Check If I Need A Larger Or Smaller System?
Manual J load calculations performed by a licensed HVAC professional are the best way to determine the correct system size for your home. Avoid guesswork or simply matching the previous system size to ensure peak comfort and efficiency.
Key Takeaways On Current Furnace Air Conditioner Combo Cost
In 2025, the average cost for a new furnace air conditioner combo in the United States—installed by professionals—is $5,500 to $13,500 depending on brand, efficiency, home size, and installation factors. Regional variations, optional upgrades, and available incentives all affect the final expense.
Careful shopping, comparing quotes, and considering long-term operating costs can help homeowners get optimal comfort, efficiency, and value from an HVAC combo investment.
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