| System Type | Cost Installed | Best For | SEER Rating |
|---|---|---|---|
| Central AC (standard) | $4,000–$8,000 | Homes with existing ductwork | 14-16 SEER |
| Central AC (high efficiency) | $6,000–$12,000 | Long-term savings priority | 18-26 SEER |
| Heat pump (cooling + heating) | $5,000–$12,000 | Moderate climates | 15-22 SEER |
| New AC + ductwork | $10,000–$18,000 | Homes without existing ducts | 14-20 SEER |
| Ductless mini-split | $3,000–$8,000 | Additions, no ductwork | 20-30 SEER |
Central AC ($4,000-$12,000) is best for whole-house cooling with existing ductwork. Ductless mini-splits ($3,000-$8,000) are ideal for homes without ducts, additions, or zone cooling. Heat pumps ($5,000-$12,000) provide both heating and cooling in one unit — the most efficient option in moderate climates and eligible for significant federal rebates. In mild climates (Southeast, Pacific NW), a heat pump replaces both your AC and furnace, saving $1,000-$3,000/year in operating costs. In very cold climates (below 10°F regularly), a dual-fuel system (heat pump + gas furnace backup) is the best choice.
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