Replacing a central air conditioner in 2026 typically costs about 5,000 to 12,000 USD installed for most homes, including the outdoor unit and a matching indoor coil. Smaller, basic systems can come in lower; high-efficiency variable-speed systems, difficult installations and full system replacements (AC plus furnace or air handler) can cost much more. Price depends mostly on size, efficiency, brand, ductwork condition and local labor rates.
Quick answers
- Typical range: roughly 5,000–12,000 USD for AC + coil.
- AC + furnace or air handler together: often 9,000–20,000+ USD.
- New refrigerant systems (R-454B, R-32) require a matching indoor coil.
- Get at least three written quotes with model numbers.
- Check utility rebates and manufacturer promotions.
Typical price ranges by size
These are typical installed ranges for replacing an outdoor unit and indoor coil in an existing duct system. Your local prices may be higher or lower.
| System size | Basic efficiency (14.3–15 SEER2) | Mid efficiency (16–17 SEER2) | High efficiency (18+ SEER2, variable speed) |
|---|---|---|---|
| 2 tons | 4,500–7,000 USD | 6,000–8,500 USD | 8,500–12,000 USD |
| 3 tons | 5,500–8,000 USD | 7,000–10,000 USD | 9,500–14,000 USD |
| 4 tons | 6,500–9,500 USD | 8,000–11,500 USD | 11,000–16,000 USD |
| 5 tons | 7,000–10,500 USD | 9,000–12,500 USD | 12,000–18,000 USD |
What drives the price
- Size (tons): larger systems cost more. Make sure the size is based on a load calculation: What Size AC Do I Need?
- Efficiency and compressor type: variable-speed equipment costs much more upfront.
- Brand and warranty: premium brands and longer labor warranties cost more.
- Matching indoor equipment: with new refrigerants, the indoor coil must match. If your furnace or air handler is old, replacing it at the same time may be recommended.
- Ductwork: leaky, undersized or damaged ducts may need repair.
- Electrical work: new disconnects, breakers or panel upgrades.
- Access: attic installations, rooftop units or tight spaces add labor.
- Permits and local codes: most areas require a mechanical permit.
- Season: peak-summer emergency replacements leave less room for negotiation.
What a complete quote should include
- Brand, model numbers and SEER2/EER2 ratings for outdoor unit and indoor coil (check the AHRI-matched rating)
- Load calculation method
- Removal and disposal of old equipment, including refrigerant recovery
- New line set or flushing of existing lines
- Pad, disconnect, whip and electrical work
- Thermostat (if included)
- Permit and inspection
- Labor warranty length, and who registers the manufacturer warranty
Use our checklist: How to Compare HVAC Quotes.
Ways to lower the cost
- Get three or more quotes. Prices for the same equipment can vary widely.
- Replace in spring or fall, when contractors are less busy.
- Check utility rebates for higher-efficiency equipment.
- Ask about manufacturer rebates and financing promotions; read the APR terms carefully. See HVAC financing tips.
- Don’t overbuy efficiency in a mild climate. See SEER2 Ratings Explained.
- Consider a heat pump if your furnace is also near the end: Heat Pump Installation Cost.
Repair instead?
If your AC is under 10 years old and needs a moderate repair, repair is usually the better value. Guide: Repair or Replace Your AC?
Frequently asked questions
How long does AC installation take?
Most straightforward replacements take one day. Complex jobs with duct or electrical work can take two or more.
Is it cheaper to replace only the outdoor unit?
With new refrigerant systems, you generally can’t pair a new outdoor unit with an old R-410A coil. A matched system is required for proper performance and warranty.
Is the federal tax credit available for central AC in 2026?
The federal 25C credit ended for equipment placed in service after December 31, 2025. Check state and utility programs. Details.
Related guides
- Furnace Replacement Cost in 2026
- R-410A Phase-Out
- Water Heater Replacement Cost (Tank, Tankless and Heat Pump)
Prices are typical ranges for planning purposes and vary by region, home and contractor. Always get written quotes.