How Much Does a New HVAC System Cost in the Bay Area?
At Galaxy Services, we believe homeowners deserve clear, upfront answers when it comes to HVAC pricing. While every home is unique, most Bay Area projects in 2025 fall into these ranges:
System Type | Typical Installed Price Range* | What’s Included |
Ducted Heat Pump | $16,000 – $26,000 | Indoor air handler, outdoor heat pump, refrigerant lines, thermostat, permits, and startup |
Ductless Mini-Split (per zone) | $5,000 – $8,000 | Wall-mounted or ceiling cassette unit with variable-speed inverter technology |
Gas Furnace + AC Combo | $15,000 – $23,000 | High-efficiency furnace with central AC, thermostat, permits, and full installation |
Dual Fuel System | $18,000 – $28,000 | Heat pump paired with a gas furnace for maximum comfort and efficiency |
Heat Pump Water Heater | $5,500 – $7,500 | Installation, permits, and plumbing; electrical upgrades may be required |
Electrical Panel Upgrade (200A) | $5,500 – $13,000 | Upgrade to handle modern HVAC systems, EV chargers, and solar-ready homes |
*All prices include professional installation, standard materials, labor, permits, and startup. Homes with difficult access, asbestos abatement, or extensive duct/electrical work may increase costs.
What Affects HVAC Pricing?
Several key factors influence the final investment:
- Home size and layout – single vs. two-story, total square footage
- Condition of existing ductwork – reuse vs. replacement
- Electrical capacity – does the home need a 200A panel?
- System efficiency – single-stage vs. variable-speed, SEER2/HSPF ratings
- Add-ons – indoor air quality products (filters, UV lights, ERVs, humidifiers)
Example Packages (Good / Better / Best)
- Good (Affordable Comfort)
American Standard 80% single-stage furnace + 15.2 SEER2 AC
$15,500 – $17,500 installed - Better (Quiet + Efficient)
Carrier 2-stage 96% furnace + 17 SEER2 AC
$18,500 – $21,500 installed - Best (Ultimate Comfort + Rebates)
Mitsubishi variable-speed ducted heat pump (or ductless multi-zone)
$22,000 – $26,000 installed
Flexible Financing Options
Upgrading your comfort shouldn’t break the bank. We partner with GoGreen Financing and Service Finance to provide:
- 0% APR plans for up to 12 months
- Low fixed-rate monthly plans (starting around $99/month OAC)
- Quick, online approval in minutes
Rebates & Incentives
Rebate programs are constantly changing. We handle the paperwork, but approval depends on program administrators.
👉 Use the official Switch Is On Rebate Finder to check what’s live for your ZIP code.Examples of programs that may apply in the Bay Area:
- TECH Clean California
- Peninsula Clean Energy (PCE)
- Silicon Valley Clean Energy (SVCE)
- San Jose Clean Energy (SJCE)
Why Homeowners Choose Galaxy Services
- 10-Year Workmanship Warranty – industry-leading protection that ensures your installation is done right the first time.
- Buy-Back Guarantee – if you’re not satisfied, we’ll make it right or buy the system back.
- Price Match Promise – apples-to-apples, we won’t be beat on comparable systems and scope.
- No Hidden Fees – transparent estimates with everything disclosed upfront.
- No Lemon Guarantee – if a major component like the compressor or heat exchanger fails repeatedly within the warranty period, we’ll replace the entire system at no cost.
- Diamond Elite Mitsubishi Contractor – recognition for advanced product knowledge, training, and high-volume installations of Mitsubishi systems.
- Authorized Factory Dealer for Top Brands – including Carrier, Lennox, American Standard, Trane, Daikin, Rheem, Bosch, and Goodman, giving you access to the best equipment lines and extended warranties.
- BBB A+ Rated – proven track record of customer satisfaction and ethical business practices.
- Recognized on the Inc. 5000 List – ranked among the fastest-growing private companies in America.
- Diamond Certified Contractor – rigorous third-party evaluation for quality, customer service, and ongoing performance.
- Local Rebate Expert – our team keeps up with Bay Area utility and municipal programs so you don’t leave thousands of dollars on the table.
- Fully Licensed, Bonded & Insured – peace of mind knowing you’re protected on every project.
Get Your Personalized Estimate
Your comfort needs and home layout are unique—your quote should be too. Our experts will design a system tailored to your home, lifestyle, and budget.
Call us today at (925) 578-3293
Frequently Asked Questions (FAQ)
Most Bay Area homes spend $16,000 – $26,000 for a ducted heat pump, $15,000 – $23,000 for a furnace + AC combo, and $18,000 – $28,000 for a dual fuel system. Ductless mini-splits average $5,000 – $8,000 per zone.
Yes. Depending on your ZIP code, utility programs like PCE, SVCE, or Clean HEET can offer $1,500 – $13,500 in incentives. Galaxy helps file paperwork, but rebate approval is decided by program administrators.
In many Bay Area homes built before the 1990s, panels are 100 amps or less—too small for a whole-home heat pump. In those cases, an upgrade to a 200-amp panel may be required.
Most installations take 1–3 days, depending on ductwork and electrical requirements. Larger projects (dual fuel systems, full duct replacement) may take up to 5 days.
- Equipment (indoor + outdoor units)
- Refrigerant line set + electrical connections
- Smart thermostat (Nest, Ecobee, or brand-matched)
- Permits + HERS/Title 24 testing
- Startup, commissioning, and a full system walkthrough