2021 Cost To Install Central Air AC In Your House

Typical Cost Range To Install Central AC Average: $4,270 - $5,930
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Are you tired of your noisy, leaking air conditioners? A quiet, efficient central air system can be an ideal solution.

On average, homeowners spend $4,000-5,600 to install a 3 TON, 14 SEER Central AC (without installing/replacing air ducts), which is typically sufficient for a 1500-1800 sq. ft. home.

The total cost of central air depends on whether or not your house has existing ducts, system size and complexity of installation.

If you are thinking about installing central air, get in touch with local HVAC pros for a free estimate.

Many people are worried about the potential challenges as well as the high costs of this upgrade. There is a common misconception that central air can only be put into new construction projects, or homes that have been recently built.

In reality, it is possible to install central air in the majority of homes, even old ones, that don’t have any ductwork.

While this is not a cheap project, it costs the same or less than many other remodels. Also, cooling your home this way will provide tangible benefits your whole family will feel right away.

In this post:

Cost of central air
Upgrading old ductwork
Installing central AC without existing ducts
AC size calculation – Manual J
Air conditioning unit prices and common sizes
Single stage vs two-stage system
Cost of popular AC brands
Enhancements and improvements
Money saving tips
Alternative systems – ductless mini split
How to find the right HVAC pro

Get an Accurate Quote: Use our Central AC Cost Estimate to calculate more exact pricing for Central AIR (AC and/or Hot Air Furnace), based on your house size, climate zone, efficiency and equipment type (standard vs Central Heat Pump).

Cost to install central air with existing ducts

Cost to Install Central AC
$3790 - $6130
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Central air installation costs If there is ductwork already in place, your total installation price for a whole house central air will be very reasonable. For a 1,600-2,000 sq.ft. house, a 2.5 ton central AC system costs $3,900-5,000.

Most homes that have a forced air heating system have ducts that can be used for AC as well.

If you have a gas, forced-air furnace, an HVAC contractor will put a coil in there for the A/C system and then run the electric to complete the setup. Without unforeseen complications, the install will take 2-3 days.

Keep in mind that opting for a more efficient, powerful system can be very expensive. These units can cost $10,000-15,000. The total will depend on the size of your home and the amount of power it takes to cool it.

Upgrading ductwork in an old house

Average Costs For:
Most Homeowners Spent Between: Most People Spent: $4,670 - $5,930 (1250 - 1750 sq. ft.)
Low End
High End

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While many older homes have a functioning ducts system in place, it may still require upgrades to accommodate central air installation.
If a contractor will need to fix or modify existing ductwork, you can expect to spend an extra $1,000-3,000+. The price difference will depend on the scope of work. Having properly functioning, clean ducts is essential if you want your AC unit to be energy efficient and work at maximum capacity.

Common modifications for existing ducts

– Increase the size of the furnace blower (rated in CFM – cubic feet per minute). An undersized blower will not be able to move the right amount of air through the house. Moreover, this can also lead to the coils freezing over.

– Seal the air ducts. Leaky ducts is one of the most common efficiency problems in an old home. Air leaks cause cool air drafts during the heating season and and hot air drafts during the cooling season. They also increase your monthly spending on energy costs.

– Install larger supply registers to improve air flow. Most old, 1/4 inch grilles allow for a very limited flow of air. Putting in larger size grilles will boost air flow efficiency by 15-25%

How much is central air WITHOUT existing ductwork?

If your house does not have any ducts, installing central air with ducts costs $8,000-15,000

PRO TIP: If your house does not have ducts, consider a Ductless mini split AC (heat-pump) system, to deliver targeted cool or warm air.

Mini-split AC does not need ducts, so you will be saving $8,000-15,000 by eliminating ductwork!

Cost to Install Ductless (Mini-Split) AC / Heat Pump
$2950 - $4150
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Mini-split systems are far more energy efficient that Central AC systems, and deliver comfort where you need it, instead of cooling your entire home.

The only “drawback” of mini-splits, is that they are limited to where cool/warm air is delivered by the location of indoor air handler. However there is a wide selection of multi-zone ductless systems with up to 8 zones in residential application!

Putting in new ductwork ranges from $3,000 to $10,000. Pricing is so wide spread because there are many factors that may impact installation difficulty:

  • location of the ducts
  • number of stories in your house
  • number of vents
  • duct material you want to install
  • number of temperature zones you want to have

Adding ductwork is a labor intensive project that involves cutting into your ceilings, walls and floors. However, an experienced HVAC pro can do a retrofit and hide the new ductwork with minimal disturbance to the structure of your house and very little mess.

This is possible today thanks to the advent of modern duct systems, which are both flexible and small in size. As a result, a contractor can easily fit the system inside a small space, such as a closet.

Contrary to popular belief, you will not need to do any major construction that may alter the present layout and look of your home. Even 10 years ago, a homeowner would have to live through demolition of certain walls and parts of the house in order to install the ductwork for a new central air conditioner. Today, this is a pretty painless project.

Air conditioner system load estimation – Manual J

There is no reason to overspend on a big central air unit if you actually don’t need one. That’s why the first step in installing central air should be to get a professional pre-installation evaluation or an energy audit.

PRO TIP: Use our simplified Manual J HVAC Load Calculator to get a quick estimation of how many TONs or BTUs your system needs to be, based house size, Climate Zone, and wall/windows insulation rating. We will also suggest most appropriate HVAC system for your home.

Average Costs For:
Most Homeowners Spent Between: Most People Spent: $3,630 - $4,780
Low End
High End

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Usually, every 500-600 sq.ft. in your house will call for 1 ton of cooling. However, there are many factors that can impact this general rule. Mainly the “Climate Zone” in which you live, and insulation rating of your walls, attic/roof and doors/windows.

If you live in the south (Region/Zone 5 on the map below) you will need a lot more cooling capacity than if you lived in the north (Region/Zone 1 on the map below).

HVAC load climate zone map

An HVAC contractor should do a Manual J calculation to determine the appropriate system size, based on the particular conditions in your home. These include:

– house size and layout
– geographic location
– presence of direct sunlight
– number of windows and doors
– height of your ceilings
– insulation quality
– air drafts and leaks

Unfortunately, most HVAC contractors DO NOT spend the time needed to perform Manual J calculation, and just to be “safe”, over-size your Central Air system, which costs you a lot more in both installation and operating costs.

It is critical that before you get new heating/cooling system installed, a proper heat load calculation is performed and equipment is properly sized! Otherwise you will be opening too much to run the equipment for many years to come.

PRO TIP: You should never hire an HVAC contractor who doesn’t do the full manual J calculation, and instead proposes to estimate your system size based on his “vast experience”. Its simply not possible to accurately determine proper air conditioning size based on doing a walk-though in your home. This only speaks to the contractor’s lack of professionalism, and vastly increases the chances of a poor install.

AC unit sizes and prices

Cost to Install Central AC
$3790 - $6130
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When it comes to the cost of the central air conditioner itself, the math is simple: a bigger unit cost more. Roughly, you can expect to spend an extra $1,000 for every additional 800-1,000 sq.ft. of space.

The capacity or power of an AC unit is measured in BTU’s (the amount of heat it can remove from a space in one hour). The most popular unit size is 2.5 tons, which is about 30,000 BTU’s. It can cool 1,600-2,000 sq.ft. and costs $3,500-4,300 (includes installation).

Here is a run down of the most popular AC sizes, the approximate area it can cool, and estimated installation costs.

Area (sq.ft) Unit Capacity (BTU) Unit Size Installation Cost
700 – 1,000 18,000 1.5 Tons $2,200 – 3,300
1,200 – 1,400 21,000 2 Tons $3,000 – 3,800
1,500 – 2,000 30,000 2.5 Tons $3,500 – 4,300
2,000 – 2,500 34,000 3 Tons $4,500 – 5,000
3,000 – 4,000 48,000 4 Tons $5,200 – 5,800
5,000+ 60,000 5 Tons $6,000+

Single-stage vs. 2-stage air conditioning system

When selecting a system, its important to consider whether you want it to be single stage or 2 stage.

A 1 stage cooling system will turn on at full capacity, when the temperature inside your home will rise above what you have pre-set on the thermostat. Once this happens, it will turn itself off completely, and the process will repeat itself again when it gets too warm. This system is ideal for mild climates that don’t get severe temperature fluctuations throughout the day. However, if you live in an area with more intense heat, this type of system will have to turn on and off repeatedly in order to maintain the desired temperature.

A two-stage unit works differently. It always functions at 2/3 of its capacity. When the temperature rises above what has been preset, the system works up to full capacity and stays on until it reaches the desired temperature. It then goes back to functioning at 2/3 capacity, and then shuts down. This helps save on energy costs, and reduces noise that you hear, if the system has to come on and shut down many times. A 2 stage central air is also known to emit cleaner air, which is very beneficial for people with asthma.

Top air conditioning brands and costs

Here are our picks for the 5 best central air brands. By best, we mean a combination of quality, reliability and a nice reasonable price. For example, a top brand is Carrier, and while it offers superb quality, its also very expensive. Their AC units typically cost at least $800-1,000 more than comparable products from different brands. The average cost of a 16 SEER Carrier AC Unit is $2,295. So while Carrier is a great product and we do recommend it, its not on this list:)

1. Day and Night Heating and Cooling Products – its equipment is actually made by the same manufacturer as Carrier, United Technologies. So you are getting top notch quality for much less. (Average price: $1,290)

2. Bryant – has been in business for over 68 years, and offers high quality, reliable AC units at a price that will not break your bank. (Average price: $1,360)

3. York – makes great quality air conditioning units, but they don’t have some of the fancier features of the more expensive brands. On the up side they also cost less. (Average price: $1,400)

4. Goodman Air Conditioning – another well respected and recognized brand, which also makes more upscale and expensive AC equipment, under the brand name Amana. However, with Goodman, you get similar quality, less features, and a cheaper price. (Average price: $1,100)

5. American Standard – this manufacturer has a long standing reputation, reliable products, good customer service and a decent price. (Average price: $1,500)

Enhancements and improvements

When you install a new central air conditioning system, you may discover that there are additional upgrades you need to make. Here are the most common ones.

Upgrade the circuit breaker box

If you live in an older home, you may discover that your existing circuit breaker can not handle the additional load of the central air. In this case, you will want an upgrade to at least 200 amp. A licensed electrician will need to perform this work. Most HVAC contractors partner with an electrician, so you will most likely not need to look for one.

Expect to spend $1,200-1,800 to upgrade a 100 amp electrical panel to 200 amp. If there are complications, the cost can go up to as much as $3,000.

To avoid unexpected spending, make sure that your electric panel can handle the load of the central AC. If it cannot, you will need to re-evaluate your budget and decide if you want to move forward.

Replace the air filter

To ensure that the air inside your home is dust and pollen free, its important to install a high quality filter. A system with a “media” filter will tack on an extra $500-1,000 to the total. However, in addition to clean air, this filter will ensure that the AC equipment is clean and works efficiently. This can reduce your annual maintenance costs by about $200-250

Install proper insulation

It is key to make sure that your home has good insulation. Having poor insulation will have a direct impact on both the short and long term cost of your central AC.

First, because so much air escapes, you will need a bigger, more powerful AC unit, which will cost a lot more. Second, you will waste money on operating it more to keep up with the cooling demand. Over the years, this will add up to thousands of dollars.

Instead, if your house has poor insulation, tackle this project first. Then, move on to AC. This way you will be able to get a smaller, less expensive central air system, and will spend a lot less on your monthly electric bill.

How to save money on central air conditioning

After doing all the calculations, you may wonder if there is any way to save a few bucks on this project. In fact, if you go about this retrofit a smart way, you can save a few thousand dollars.

Here are some tips to consider:

Get a properly sized AC unit: one way to avoid overspending is to get the right unit size. Many people tend to err on the side of caution and want to get a bigger unit, just in case… This is not smart, because in addition to spending more money upfront, you will also be wasting money and energy on running the AC that is too large for your house.

Moreover, when the unit is too big for the square footage of your house, it starts to switch on and off in order to maintain the set temperature. This wears out the system, shortens its service life and increases the risk of malfunctions

Go for high efficiency: buying an energy efficient AC unit may be more expensive upfront, but it will save money in the long run. First, if you purchase a unit that is 16 SEER or higher, you may qualify for a Federal Tax Credit of $300. These units offer 30% savings on electric bills compared to 13 SEER units, and 60% savings compared to older 10 SEER units.

Did you know? SEER is the seasonal energy efficiency ratio, which shows how efficient the unit is throughout all four seasons. For example, it compares the cooling output during the summer vs. the electric input during the summer. Since 2006, the 13 SEER is a minimal federal standard for all central AC units. If you have an older system, you may want to consider replacing it. Our pros recommend installing at least a 14 SEER unit and 16 SEER is BEST.

It is possible to get a unit with a very high SEER Rating like 20-24 (24 SEER is the highest). Some HVAC contractors may push you into getting one of these extra high efficiency units, however this may not be advisable.

First, because most homes, unless they are located in a region where its never below 95-100+ degrees F, will not need a unit with such high efficiency. Its simply a waste of money.

Second, these high efficiency units are known to break more frequently and require expensive repairs – why would you want that? Simpler, lower SEER models are actually more reliable and cause less problems.

Get 3 or more estimates: while you may not want to spend time interviewing different contractors, doing this will pay off! HVAC guys charge different rates for their labor and will judge your project based on a number of factors. Many of these have to do with THEIR personal cost of doing business, rather than your house. If you get quotes from 3 or 4 contractors you will see a 15-25% difference in their quotes.

Schedule the install during the cool season: once the hot weather sets in, HVAC contractors will have a ton of work. This means that many companies will even jack up their prices a little, just because they can. On the other hand, during the cold months, many companies are a lot less busy, and may be willing to give you a discount of as much as 10%.

Alternatives to central AC

Depending on the size and construction of your house, you may realize that central air is too expensive. If you live in a very old house, installing new ducts may simply not be feasible.

One alternative is to go for a ductless air conditioning system, also known as a mini split. These systems can cool and heat your house, without any ductwork. Thus, this is a great option when central air is not viable.

Cost to Install Ductless (Mini-Split) AC / Heat Pump
$2950 - $4150
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Ductless air conditioning has been very popular in both Europe and Japan for many years. However, it is a fairly new option in the US. It has only been around for about two decades. An estimated 4% of homes in the states use ductless heating and cooling.

On average, homeowners report spending $3,500-8,000 to install this system, depending on the size of their house, and the number of cooling zones they want to have.

Finding a high-quality HVAC pro

Installing central air is one of the most expensive whole house updates. When you are spending this much money you want to make sure that the job will be done correctly, and will last for many years.

Unfortunately, because professional HVAC labor is so expensive ($75-100/per hour), many homeowners are tempted to cut corners and hire a contractor who is willing to offer a discount.

However doing this is a really bad idea that will surely backfire. The numbers speak for themselves: according to the data collected by the Environmental Protection Agency, almost 50% of all HVAC installs are done incorrectly! This results in costly repairs and even complete system replacements = thousands of your dollars down the drain. Moreover, a poorly installed system is 30-40% less efficient = more money down the drain every month.

Find HVAC contractors near you

Tips on finding the right pro:

– Only work with someone who is licensed, bonded and insured

– Compare quotes from at least 3-4 contractors, and go for the middle of the road estimate

– Ask for 3 references of recently completed central air installs in your area

– Hire someone who is willing to answer all your questions, and doesn’t cut corners, such as failing to do a manual J calculation

– Contractor will pull all the appropriate permits – if he doesn’t, its means something may be wrong with his license

– Pro will present you with a written contract that includes a complete scope of work: including all prices, tasks, and estimated project completion date

Average Costs For:
Most Homeowners Spent Between: Most People Spent: $4,670 - $5,930
Low End
High End

See costs in your area Start Here - Enter Your Zip Code

Leave a Reply

9 comments on “2021 Cost To Install Central Air AC In Your House

  1. Stephanie Reynolds

    If we’re looking at a home (6,001 sq ft) that was build over 100 years ago…what kind of central cooling system should we consider and how much should we anticipate spending? (Central area of MS). They currently have window units and fans.

  2. Susan

    I have new construction custom builder. The air handle was installed in its own room with a fireproof door and the door does not have a vent. However, throughout the house there are air returns. A friend said the air handler has to be vented beyond its 4×4 room. I’m about to build a home in Florida and working on room placement and this argument has come up again. Can you help me understand in what circumstance do you not need a vent n a 4×4 air handler room door?

    1. Leo B Post author

      Hi Susan

      When you say “air handler” … are we talking about central AC or ductless / split-system?

      If Central AC, and you mean indoor evaporator coil, these get installed in closets, attics and other tight spaces, so no there is no need to “vent” them, as long as it gets air intake (return air) from conditioned space (rooms in your house), and then feeds cool air back through the ducts.

      Hope this helps, good luck

  3. Stephen

    I have a 2 bedroom 2 bath 980 sqr. ft condo in Las Vegas how much is a ballpark number for a new central 2 system

  4. Mohammed

    Hi sir will you please update me for 15000 square feet area how much capacity of central ac unit required

    1. Leo B Post author

      Hi Mohammed

      15000 is too big for residential Central AC – you will need some commercial / industrial roof-top AC.

      Basically a 5 ton AC (largest residential / small commercial) can handle up-to 4000 sq. ft.

    1. Leo B Post author

      Hi Marc,

      Thanks for kind words! We do have a pretty detailed Mini-Split AC cost estimator (single or multi-zone) + guide on how to chose best best system for your home, as well as how efficiency affects cost, etc.

      Now what most homeowners do not know is that Central AC systems’ efficiency is rated “at unit” or as the cold air exits cooling coils inside the AC itself, and NOT in your room! This means that while the central AC can be rated at say 16 SEER, you lose so much energy in the ducts, that by my estimate, by the time cool air enters the room, real efficiency drops to 10 SEER or lower!

      Mini splits on the other hand are rated IN THE ROOM, so 22-35 SEER is what you actually get fro your AC, because air handler is located in the room, and not in the basement.

      Finally, mini splits are “zoned” systems, so you don’t need to cool entire home, if you are sitting in your living room. You get much better control, and great savings on cooling costs!

      I recommend that many people consider Mini-Split Heat pump option VS Central AC.

      Cheers, Leo