AC Replacement Cost
A new central AC unit costs $3,300–$5,900 installed on average in 2026. The bigger version of the job — AC, furnace, and ductwork together — runs $7,000–$16,000. In Florida, where the AC works most of the year, sizing and efficiency choices matter more than the brand badge.
Cost by job type
| Job | Average cost | Notes |
|---|---|---|
| New central AC unit | $3,300 – $5,900 | Depends on size and ductwork condition |
| Full HVAC system (AC + furnace + ductwork) | $7,000 – $16,000 | The whole-system replacement |
| Ductless mini-split system | $3,200 – $10,500 | Depends on the number of zones |
| Window unit | $250 – $700 | Single-room cooling |
What drives the price
- Size (tonnage). The unit has to match the home's cooling load. Oversized systems cost more upfront and cool worse — short-cycling and humidity problems — so a proper load calculation matters more than a bigger number.
- Ductwork condition. Leaky or undersized ducts waste the new unit's efficiency; repairing or replacing ductwork is the difference between the $3,300 end and the $16,000 whole-system end.
- Efficiency. Higher-efficiency units cost more upfront and less to run — HomeGuide notes new energy-efficient units can save up to 40% on electricity costs, which in Florida's long cooling season adds up fast.
- Scope. A like-for-like swap using the existing pad, lines, and ducts is a 4- to 8-hour job. Relocating equipment or converting systems is a different price class.
Repair or replace?
AC units last 15–20 years on average. The closer yours is to that band, the more a major repair looks like a down payment on a replacement you'll still need soon — the same logic as our roof repair vs. replacement guide. One Florida-specific wrinkle: on older homes, insurers' 4-point inspections cover HVAC alongside the roof, electrical, and plumbing — an end-of-life AC can hold up a policy renewal just like an old roof can.
Frequently asked questions
How much does it cost to replace a central AC unit?
$3,300–$5,900 on average for the unit, depending on size and ductwork condition. A full system with furnace and ductwork runs $7,000–$16,000 (HomeGuide 2026).
How long do air conditioners last?
15 to 20 years on average. Most technicians recommend planning replacement from about 15 years, especially as repairs climb.
How much does a ductless mini-split cost?
$3,200–$10,500 depending on zones — the standard answer for additions and homes without ducts.
Planning an AC replacement?
Tell us the scope and get a real quote — Jacksonville-area requests go straight to Homeland Construction & Roofing.
Related guides
- Florida Roof Rules — 4-point inspections cover HVAC too
- Water Heater Replacement Cost
- Window Replacement Cost
- Roof Repair vs. Replacement — the same decision logic
Sources: HomeGuide, "Central Air Conditioning Installation" cost data (2026 — new AC unit $3,300–$5,900; full HVAC installation $7,000–$16,000; mini-split $3,200–$10,500; window unit $250–$700; lifespan 15–20 years; replacement install 4–8 hours). Last updated November 2026.