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Furnace Replacement Budget Calculator
Furnace replacement runs $3K-$8K typical. Cost drivers: BTU size, AFUE efficiency, fuel type (gas vs electric vs propane), and install complexity. High-efficiency (90%+ AFUE) qualifies for rebates. Electrical requirements matter: high-efficiency furnaces require dedicated 15-20A circuit plus condensate drain. Existing 80% furnace swap is straightforward; stepping to 95% often requires new vent pipe (PVC side-wall), condensate management, and gas line verification. Add $400-$800 for these adjustments. Federal tax credit for qualifying high-efficiency furnaces through 2032 caps at $600 under 25C IRA rules.
Net total (after rebates)
$4,520
Subtotal
$5,120
Unit cost
$3,920
Vent upgrade cost
$0
How the math works
80K BTU 95% AFUE gas furnace: $3,520 unit + $1,200 install − $600 rebates = $4,120. Propane: slightly more. Electric (heat pump) runs $4K-$7K.
Size to Manual J load calculation, not gut feel. HVAC contractors rushing through calcs often oversize — leads to comfort and efficiency problems. Ask specifically for Manual J.
How to Use
- Enter BTU need, AFUE rating, and fuel type.
- See total cost.
Frequently Asked Questions
What BTU do I need?
40 BTU per sqft in cold climates; 25 BTU in warm. 2,000 sqft cold climate: 80,000 BTU furnace. Sizing too large = short-cycling + poor comfort. Too small = running constantly.
High-efficiency worth it?
Yes in cold climates. 96% AFUE costs 15-20% more than 80% AFUE but saves $200-$500/yr on gas bills. 5-7 year payback. Federal tax credit adds up to $600 for qualifying units 2023-2032.
Venting?
80% AFUE: conventional chimney. 90%+: side-wall PVC vent. If converting chimney to side-wall: add $500-$1,000. Usually done anyway.
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