HVAC System Comparison
Compare popular HVAC systems side-by-side to make the best decision for your Bay Area home
Choosing the right HVAC system is one of the most important home improvement decisions you'll make. The Bay Area's mild climate makes it an ideal location for energy-efficient heat pumps, but traditional systems still have their place. Use our comparison tables below to understand the key differences in cost, efficiency, comfort, and environmental impact.
Furnaces vs Heat Pumps
Compare heating systems for Bay Area homes
| Category | Gas Furnace | Heat Pump |
|---|---|---|
| Upfront Cost | $6,500 - $9,000 (furnace only) | $14,000 - $20,000 (heating + cooling) |
| Operating Cost | $600 - $1,200/year (gas + AC) | $400 - $900/year (electric only) |
| Efficiency Rating | 80-98% AFUE | 8-10+ HSPF2, 15-20+ SEER2 |
| Heating Performance | Excellent in extreme cold | Great in Bay Area mild winters |
| Cooling Capability | Requires separate AC unit | Built-in cooling included |
| Lifespan | 15-20 years | 15-20 years |
| Rebates Available | $0 - $500 (limited) | $2,000 - $8,000+ (federal + state) |
| Environmental Impact | Burns fossil fuel (natural gas) | 100% electric (renewable-ready) |
| Noise Level | Moderate (indoor operation) | Quiet (outdoor compressor) |
| Installation Complexity | Moderate (gas line required) | Moderate (electrical upgrade may be needed) |
| Best For | Extremely cold climates, existing gas line | Bay Area climate, all-in-one solution, maximizing rebates |
Our Recommendation:
For most Bay Area homes, heat pumps offer better long-term value with lower operating costs, substantial rebates, and all-in-one heating/cooling. Furnaces remain a solid choice if you have an existing gas line and want proven heating performance.
Central AC vs Ductless Mini-Splits
Compare cooling systems for your home
| Category | Central AC | Mini-Split System |
|---|---|---|
| Upfront Cost | $9,000 - $16,000 | $8,000 - $25,000 (varies by # of zones) |
| Operating Cost | $400 - $800/year | $300 - $600/year (up to 30% savings) |
| Efficiency Rating | 14-20 SEER2 | 16-25+ SEER2 |
| Ductwork Required | Yes (major installation cost if adding) | No (perfect for homes without ducts) |
| Cooling Coverage | Whole home (even cooling) | Zoned (individual room control) |
| Temperature Control | Single thermostat for whole home | Individual control per zone/room |
| Installation Time | 1-3 days (with existing ducts) | 1 day (typically faster) |
| Noise Level | Moderate (central air handler) | Very quiet (23-40 dB indoor units) |
| Visual Impact | Hidden (vents only) | Wall-mounted units visible |
| Energy Efficiency | Can lose 20-30% through duct leaks | No duct losses (maximum efficiency) |
| Heating Capability | Requires separate heating system | Built-in heating (heat pump technology) |
| Best For | Homes with existing ductwork, whole-home cooling | Homes without ducts, room additions, zone control needs |
Our Recommendation:
Mini-splits excel in homes without existing ductwork, offer superior energy efficiency, and provide individual zone control. Central AC is ideal if you already have ducts and prefer a hidden system with even whole-home cooling.
Frequently Asked Questions
Is a heat pump better than a gas furnace for Bay Area homes?
For most Bay Area homes, heat pumps offer better long-term value. While upfront costs are higher ($14,000-$20,000 vs $6,500-$9,000), heat pumps provide both heating and cooling, have lower operating costs ($400-$900/year vs $600-$1,200/year), and qualify for $2,000-$8,000+ in federal and state rebates.
What's the difference between central AC and ductless mini-splits?
Central AC uses ductwork to cool the entire home from a single thermostat, while ductless mini-splits provide zone-by-zone control without ducts. Mini-splits are more energy efficient (16-25+ SEER2 vs 14-20 SEER2) and ideal for homes without existing ductwork, but central AC offers hidden installation with only vents visible.
Which HVAC system has the best rebates in California?
Heat pumps offer the most rebates in California. Homeowners can receive $2,000-$8,000+ combining federal tax credits (25C), state rebates (Tech Clean California), and local utility incentives. Gas furnaces typically only qualify for $0-$500 in limited rebates.
How long do HVAC systems typically last?
Most HVAC systems last 15-20 years with proper maintenance. This includes gas furnaces, heat pumps, central AC units, and ductless mini-splits. Regular annual maintenance can help extend system lifespan and maintain efficiency.
Still Not Sure Which System Is Right for You?
Our expert technicians can assess your home, discuss your priorities, and recommend the perfect solution for your Bay Area climate and budget.