How Much Does it Cost to Install a New HVAC?

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HVAC Costs: Purchase, Installation & Maintenance

When your home’s HVAC (heating, ventilation, and air conditioning) system fails, you can immediately feel the impact on your home’s temperature. Whether it’s the middle of summer or the depth of winter, buying and replacing a new HVAC is usually an urgent home improvement task.

But replacing and installing a new HVAC system can cost thousands of dollars — money many homeowners don’t have readily available. That’s where a home improvement loan can help you get the funds you need to buy and install a new HVAC system quickly.

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Is installing a new HVAC worth the cost?

HVAC systems are a necessary part of your home that, when broken, can have serious implications for your home's livability and efficiency. If your HVAC needs replacing, homeowners should act fast to replace and install a new system. Home improvement loans can offer fixed monthly installments that help homeowners afford costly repairs and upgrades such as an HVAC system. Keep reading to learn more about how much it costs to install a new HVAC and tips on how to budget for it.

New HVAC Costs: Frequently Asked Questions

How much does it cost to buy & install a new HVAC system?

Buying a new HVAC system can be a high out-of-pocket cost for homeowners if they aren't expecting it. The cost to purchase and install a new system can range from around $5,000 to $9,000, with the national average costing about $7,500. The cost can vary based on the size of your house and the type of unit you opt for, but you also might need to make improvements to your ductwork too, which can add to the cost. Do a local search and see if you can get a free estimate to understand the scope of your project for the most accurate estimate.

Why is replacing HVAC so expensive?

Your HVAC system is deeply embedded throughout your house, meaning any repairs or installation require a highly skilled professional. Because of the size of the system and the complicated nature of the device, replacing and maintaining an HVAC can be an expensive home improvement cost.

If you need cash immediately to fix your HVAC system, Acorn Finance can help. With a wide variety of lenders offering home improvement loans, you can review multiple offers at Acorn Finance, saving you time, money and hassle in the process.

Should you finance an HVAC system?

While taking on additional debt can be a tough decision, financing your HVAC system is something you should seriously consider. It can provide you with quick access to funds, allowing you to install your new system and work faster than it'd take to save money.

HVAC Costs - What You Should Know

When should you replace an HVAC?

HVAC systems can last 10-25 years, not a lifetime, so at some point you'll likely find yourself replacing one. Whether it simply gives out or is showing signs it's about to, it's never fun to realize your HVAC needs replacement. You should service your HVAC regularly and if you do, a professional can help indicate if it needs replacement. You should also consider the age of your current system when deciding when to replace your HVAC unit. If your system is older than 10 or 15 years, requires a lot of maintenance or has dust leakages, it's recommended to consider replacing your HVAC.

Financially, the best time to replace an HVAC system is usually in the "off-season" when temperatures are less extreme. For most regions, this means spring and fall. Depending on your region's weather, this can be a large window of time for places like California and Florida, which usually have moderate temperatures. But the "off-season" might only last a few weeks for places with a cooler spring or fall. Be patient with your installer as your flexibility may earn you a discount.

What are the different types of HVAC systems?

As you decide which HVAC system to go with, it's important to understand the four main systems you can pick from.

#1. Split heating and cooling system

This is the most common type of HVAC system thanks to its wide range of uses in all homes. Split heating and cooling systems are identifiable because they have an indoor and an outdoor system. A large outside AC unit helps circulate air, while the inside heating system uses gas to heat the house.

#2. Hybrid split system

Hybrid systems are similar to a traditional split heating and cooling system with one key difference — you can switch between using gas and electricity to heat the house. This provides more energy efficiency and gives the homeowner the power to decide how they want to heat the house. A hybrid system works well in mild climates where winters aren't too cold and electric heat is sufficient for heating.

#3. Duct free

Duct free HVAC systems are often one of the most expensive to install but are an excellent solution for smaller spaces or those who want individual units in their house. They provide individualized control of the temperature of each room with a unit since they don't have one central outside compressor unit. A lot of homeowners will install these units in additions or garages where additional duct work would be required to heat it otherwise.

#4. Packaged heating and air

Packaged heating and air systems aren't very common, but they can be a great solution for homeowners in warmer climates that have mild winters. This type of unit is very compact and is placed in a small space of the home, like an attic or storage space. These systems are very energy efficient, but the heating is not as powerful.

How much does it cost to run and maintain HVACs?

Care and maintenance for your HVAC system are important to keep it running smoothly and efficiently. On average, it costs $110 per service visit for a technician to check up on your heating and cooling system. Annually, this can add up to a few hundred dollars.

Running your HVAC is a completely different cost to consider and can vary greatly based on your location and personal lifestyle. According to the US Energy Information Administration, the average American spends $117 monthly on electricity costs, about half of that for healing and air conditioning. The average amount for homes that use gas is about $61 a month.

Due to your HVAC system's added costs and maintenance, homeowners should consider how these monthly maintenance and usage charges impact their monthly budget.

See More Home Improvement Cost-Related Content:


When it comes time to replace your HVAC system, ensure you fully understand all costs and system options. While it can be an expensive home improvement cost, you can use Acorn Finance to get connected to top national lenders offering competitive rates for home improvement loans. Get started today!

What are the pros and cons of installing a new HVAC?

While installing a new HVAC system might seem like a no-brainer for homeowners, you should consider some pros and cons to make the right decision. Ultimately, installing a new HVAC system has a lot of benefits that can improve your daily life and the condition of your home. Weigh the pros and cons to decide if it’s the right time to install a new HVAC system.


  • Potential savings on energy costs: New HVAC systems have become more energy-efficient over the years. When you install a new HVAC system, you can save money on your monthly energy bills, making it a worthwhile investment in the long run.


  • Federal tax and state incentives may be available: Some energy-efficient HVAC systems are eligible for rebates on your federal taxes thanks to their positive environmental impact. Make sure you check to see if you can get additional tax rebates after your installation.


  • Keep your home cozy: Of course, the best benefit of a new HVAC system is the reassurance that you can regulate the temperature in your home.



  • Large upfront investment: The cost of a new HVAC system costs several thousand dollars, making it an expensive investment for homeowners. Notice how we call it an investment though – as that’s exactly what it is.


  • Installation can take several hours: Installing a new HVAC unit is a time-intensive process that can disrupt your day.


I am adding a hot tub and other patio enhancements to my house. My experience using Acorn Finance was excellent.

Tracey E.

Kentucky | Patios & Decks

I am extending my patio. My contractor informed me of possible financing and the Acorn Finance experience was awesome, very easy.

Monica L.

Texas | Patios & Decks

The whole process itself was just so fluid, all the way through to the end. I was thinking it can't be this easy, but it really was!

Janina D.

Kentucky | HVAC

I am adding a hot tub and other patio enhancements to my house. My experience using Acorn Finance was excellent.

Tracey E.

Kentucky | Patios & Decks

I am extending my patio. My contractor informed me of possible financing and the Acorn Finance experience was awesome, very easy.

Monica L.

Texas | Patios & Decks

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