2026 Furnace Replacement Cost Reference
Updated 2026-07-02
Installed furnace replacement cost in 2026 ranges from $2,380 for a small electric-furnace home to $9,450 for a large high-efficiency oil furnace, based on this site's own calculator model. The table below breaks the estimate out by fuel type, AFUE efficiency rating, and home size, before ZIP-code adjustment.
How much does a furnace cost by fuel type, efficiency, and home size in 2026?
National baseline installed cost for a furnace replacement in 2026 runs from roughly $2,380 to $9,450, depending on three factors: fuel type (electric, gas, or oil), efficiency rating (standard 80% AFUE versus high-efficiency 90%+ AFUE), and home size (small, average, or large, which sets the required BTU capacity). Electric furnaces sit at the low end of the range because equipment and venting are simpler. Oil furnaces sit at the high end because of tank and line considerations. Gas falls in between and is the most common installation. High-efficiency units add roughly 25 percent to the standard-efficiency price at the same fuel type and home size. These figures assume the home already has usable ductwork; a job that needs new or modified ductwork adds roughly 30 percent on top of any row in the table, and pricing adjusts further for local labor rates by ZIP code in the calculator.
Summary table: installed cost by fuel, efficiency, and home size
| Fuel type | Efficiency | Home size | Furnace capacity | Installed cost (2026) |
|---|---|---|---|---|
| Gas | Standard (80% AFUE) | Small home | 40,000 to 80,000 BTU | $2,980 to $4,680 |
| Gas | Standard (80% AFUE) | Average home | 80,000 to 100,000 BTU | $3,500 to $5,500 |
| Gas | Standard (80% AFUE) | Large home | 100,000 to 120,000+ BTU | $4,380 to $6,880 |
| Gas | High-efficiency (90%+ AFUE) | Small home | 40,000 to 80,000 BTU | $3,720 to $5,840 |
| Gas | High-efficiency (90%+ AFUE) | Average home | 80,000 to 100,000 BTU | $4,380 to $6,880 |
| Gas | High-efficiency (90%+ AFUE) | Large home | 100,000 to 120,000+ BTU | $5,470 to $8,590 |
| Electric | Standard (80% AFUE) | Small home | 40,000 to 80,000 BTU | $2,380 to $3,740 |
| Electric | Standard (80% AFUE) | Average home | 80,000 to 100,000 BTU | $2,800 to $4,400 |
| Electric | Standard (80% AFUE) | Large home | 100,000 to 120,000+ BTU | $3,500 to $5,500 |
| Electric | High-efficiency (90%+ AFUE) | Small home | 40,000 to 80,000 BTU | $2,980 to $4,680 |
| Electric | High-efficiency (90%+ AFUE) | Average home | 80,000 to 100,000 BTU | $3,500 to $5,500 |
| Electric | High-efficiency (90%+ AFUE) | Large home | 100,000 to 120,000+ BTU | $4,380 to $6,880 |
| Oil | Standard (80% AFUE) | Small home | 40,000 to 80,000 BTU | $3,270 to $5,140 |
| Oil | Standard (80% AFUE) | Average home | 80,000 to 100,000 BTU | $3,850 to $6,050 |
| Oil | Standard (80% AFUE) | Large home | 100,000 to 120,000+ BTU | $4,810 to $7,560 |
| Oil | High-efficiency (90%+ AFUE) | Small home | 40,000 to 80,000 BTU | $4,090 to $6,430 |
| Oil | High-efficiency (90%+ AFUE) | Average home | 80,000 to 100,000 BTU | $4,810 to $7,560 |
| Oil | High-efficiency (90%+ AFUE) | Large home | 100,000 to 120,000+ BTU | $6,020 to $9,450 |
Download the full table as CSV (18 rows: fuel type, efficiency, home size, BTU range, low and high installed cost in USD).
Methodology
These figures come from the calculator model on this site, not from a third-party survey. The model starts from a national base installed-cost range of $3,500 to $5,500 for a standard-efficiency gas furnace in an average-size home with existing ductwork, then applies fixed multipliers for fuel type (electric 0.8, gas 1.0, oil 1.1), efficiency (standard 1.0, high-efficiency 1.25), and home size (small 0.85, average 1.0, large 1.25). The same multipliers drive the live calculator at the top of the homepage, which also applies a ZIP-code multiplier and a ductwork multiplier (1.3 for jobs needing duct modifications) not reflected in the baseline table above. BTU ranges by home size are the sizing bands used across this site's guides, consistent with typical residential load calculations; they are a planning reference, not a substitute for a contractor's Manual J calculation. This page reflects the calculator model as of July 2026 and is scheduled for an annual refresh each time the underlying constants change.
How to use this table
Find your fuel type and efficiency preference, then read across to your home size for a baseline installed-cost range. For a number adjusted to your ZIP code and ductwork situation, run the same inputs through the furnace replacement cost calculator. Always confirm any planning estimate against a written quote from a licensed HVAC contractor before committing to a purchase.
Related guides
- Furnace Replacement Cost in 2026: What to Budget
- Gas vs Electric Furnace Replacement Cost: Full Comparison (2026)
- High-Efficiency Furnace Cost: Is the Upgrade Worth It in 2026?
- Furnace Replacement Cost Guide
Cite this page: Furnace Replacement Cost, "2026 Furnace Replacement Cost Reference," 2026, https://furnacereplacementcost.net/furnace-cost-reference-2026/