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HVAC Replacement Budget Calculator
HVAC replacement runs $5K-$18K depending on size (2-5 tons), efficiency (14-22 SEER), and whether ductwork is included. Rebates and tax credits can cut $1K-$3K. This calculator sizes.
Net total (after rebates)
$6,348
Subtotal before rebates
$7,548
Unit cost (tons × SEER adj)
$6,048
Ductwork cost
$0
How the math works
3-ton, 16 SEER, existing ducts: $5,832 unit + $1,500 install − $1,200 rebates = $6,132 net. Adding ductwork seal: +$700. Full ductwork: +$5,000.
Get 3-5 quotes — HVAC pricing varies 30%+ between contractors. Compare equipment brand + installer reputation. Cheapest isn't best; poor install costs in efficiency loss over 15 years.
How to Use
- Enter tons needed (1 ton per 500-600 sqft typical), SEER rating, ductwork scope.
- See total with rebates.
Frequently Asked Questions
What SEER should I buy?
Minimum 14 SEER by federal code. 16 SEER hits payback in 5-7 years via energy savings. 18+ SEER makes sense in hot climates (TX, FL, AZ) where AC runs 6+ months. 22 SEER: luxury tier, longer payback.
Do I need new ductwork?
If ducts are 20+ years old or leaking 20%+, yes. Otherwise, cleaning + sealing the existing set ($400-$900) is usually enough. Full ductwork replacement adds $3K-$8K.
Rebates?
Utility rebates $150-$1,500 for high-efficiency. Inflation Reduction Act tax credits up to $2,000 for heat pumps installed 2023-2032. Get both simultaneously.
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