Get an instant cost estimate for your hvac project. Our calculator provides estimates adjusted for your state using regional cost indices.
Why this calculator
I built these calculators after years of watching homeowners get blindsided by quotes that had no relation to real regional pricing. The model pulls from contractor bid data, BLS labor rates, and state-specific construction cost indices so the estimate you get reflects what your neighbors are actually paying, not a national average. Get 3+ licensed quotes to confirm.
Bloggers, realtors, contractors, and publishers: copy one line of code and give your readers a state-adjusted hvaccost estimate. Auto-updates — no maintenance needed.
Our HVAC calculator factors in equipment type (central AC, heat pump, furnace, or mini-split), system capacity in tons or BTUs, SEER2 efficiency rating, and whether existing ductwork needs modification. Labor costs are adjusted using regional mechanical contractor rates from BLS occupational data.
We show you a range (low, average, high) because actual costs depend on contractor pricing, material brands, project complexity, and local market conditions. Our data covers all 50 states and is updated quarterly. For the most accurate estimate, we always recommend getting 3+ quotes from licensed local contractors.
Our estimates cover equipment, labor, and permits for typical installations. The biggest accuracy variable is ductwork — if your existing ducts need repair or replacement, add $2,000-$7,000 to the estimate.
For most homeowners, 17-18 SEER2 offers the best balance of upfront cost and energy savings. In hot climates where AC runs 6+ months, consider 19-20 SEER2 for faster payback on the efficiency premium.
In 2026, heat pumps are the better choice for most climates on operating cost alone. They heat AND cool (replacing both furnace and AC) and cost 30–50% less to operate. Note: the $2,000 federal Section 25C tax credit that incentivized heat pumps through 2025 expired December 31, 2025 under the One Big Beautiful Bill Act — systems placed in service in 2026 do not qualify. See our heat pump vs furnace comparison for the full math.
A straightforward equipment swap takes 1-2 days. If new ductwork is needed, expect 3-5 days. Switching system types (e.g., furnace to heat pump) takes 2-4 days.
Yes. HVAC replacement requires a mechanical permit in virtually all jurisdictions. Your contractor should handle this. Expect $150-$400 for the permit fee.
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