Choosing a new central AC is mostly about three questions: Which system type fits your house, how much will it cost, and where can you find solid performance reviews? This overview answers each question in plain language and points you to reliable data before you sign a contract.

Key Takeaways

  • Match the type to the house: split for most ducted homes, packaged for tight lots, heat-pump split for warm regions, ductless for add-ons.
  • Expect $6 k–$12 k fully installed; equipment price is only half the bill.
  • Check ENERGY STAR and Consumer Reports for unbiased model data before buying.
  • Use off-season bids and rebates to shave hundreds—or thousands—off the final cost.

How Central AC Works

Every ducted system has an outdoor condenser that dumps heat, an indoor coil and blower that absorbs heat from indoor air, and a thermostat that tells the system when to cycle. Refrigerant carries heat outdoors in a closed loop.

Major System Types and Typical 2025 Equipment Prices

System type Best fit Typical equipment price* Notes
Split AC (condenser outside, coil + blower inside) Homes that already have ducts $3,500 – $6,000 Widest brand choice; easy coil change-outs
Packaged AC (one boxed unit outside or on roof) Small lots, rooftop installs $4,000 – $7,000 All parts in one cabinet; fewer models
Heat-pump split (heats & cools) Mild-winter regions $4,500 – $8,500 May qualify for up-to-$2,000 federal tax credit
Ductless mini-split (one or more wall cassettes) Add-ons, rooms with no ducts $2,000 – $14,500 High efficiency; separate fan coil per room

What Drives the Final Price?

Size, efficiency, and duct condition matter more than the sales brand. A contractor should run a Manual J load calculation before quoting—oversized equipment costs more upfront and wastes energy later. Higher SEER2 ratings cut bills but add several hundred dollars to the bid. Old or leaky ducts can tack on thousands if they need repair or replacement.

Where to Find Trustworthy Reviews

  • ENERGY STAR® Product Finder lists certified models with estimated annual energy use.
  •  Consumer Reports® posts lab tests on noise, reliability and owner satisfaction (subscription).
  •  Local installer ratings on Google, BBB or Angi reveal workmanship quality—poor installation can sink even the best unit.

Ways to Trim Your Cost Without Cutting Quality

Early spring and late fall are slow seasons; installers often discount labor then. Many power companies pay $200–$800 for high-SEER2 heat pumps. The new federal clean-energy credit covers 30% of project cost (up to $600) for qualifying split ACs and $2,000 for high-efficiency heat-pump splits.

Simple Care After Installation

Replace the filter every 30–90 days, keep at least two feet of clear space around the outdoor unit, and schedule one professional tune-up per year to clean coils and check refrigerant—DOE notes a dirty filter alone can raise cooling costs.

Choose wisely now and you’ll enjoy quieter, cheaper cooling for the next 10-15 years.

Frequently Asked Questions

1. Which central-air brands last the longest?

Trane, Lennox, Carrier, and American Standard often score highest for reliability in owner surveys.

2. What type of system is most efficient?

A variable-speed heat-pump split system with a SEER2 rating of 18 or higher uses the least power.

3. How do I choose the right AC size?

Ask your contractor for a Manual J load calculation; it matches unit size to your home’s needs.

4. How much does a good central AC cost?

Total installed cost for most homes runs about $6,000 – $12,000 in 2025.

5. Is a higher SEER2 rating worth the extra money?

Yes in hot climates where you run the AC a lot; energy savings repay the higher price in a few years.

6. Can I keep my old ducts?

Only if they are correctly sized and well-sealed; leaky or small ducts waste cooling.

7. How often should I change the filter?

Check it every month and replace it at least every 90 days—every 30 days if you have pets or heavy smoke.

8. Do I need a yearly professional tune-up?

Yes; an annual service visit keeps the warranty valid and helps prevent mid-season breakdowns.

9. Are rebates or tax credits available?

Many utilities offer $200–$800 rebates, and federal tax credits cover up to $600 for split ACs and $2,000 for qualifying heat pumps.

10 How noisy are new outdoor units?

Modern condensers rated below 70 dB are considered quiet; top variable-speed models can be near 60 dB.