A complete new HVAC system in Lexington, KY typically runs $7,500 to $15,000 installed, depending on system type, efficiency, and home size. AC-only or furnace-only replacements start lower. Here's the full 2026 pricing breakdown from Trust Heating & Air, plus financing options that keep monthly payments manageable.
2026 Pricing Breakdown
| Repair / Service | Typical Range |
|---|---|
| AC only (16 SEER2, 2-3 ton) | $4,500 – $7,500 |
| AC only (18+ SEER2, variable speed) | $7,000 – $11,000 |
| Gas furnace (80% AFUE) | $3,800 – $6,500 |
| Gas furnace (95%+ AFUE) | $5,500 – $9,500 |
| Heat pump (16 SEER2 / 9 HSPF2) | $6,500 – $10,500 |
| Full system replacement (AC + Furnace) | $9,000 – $15,500 |
| Dual-fuel system (Heat pump + Gas furnace) | $11,000 – $17,500 |
Pricing reflects current Trust Heating & Air rates in Central Kentucky. Final cost depends on diagnosis, parts availability, and labor required.
What Affects Your Cost
Home size and load calculation
Proper Manual J load calculation determines tonnage. Oversized systems short-cycle and fail early.
Ductwork condition
Old or leaky ducts can cost $1,500-$4,000 to seal or replace — but they pay back in efficiency.
Brand and tier
Goodman and Rheem offer strong value; Carrier, Trane, and Lennox premium lines cost more but offer the best efficiency and warranties.
Indoor air quality add-ons
Media filters, UV lights, and humidifiers typically add $400-$1,800 — easiest to install during a full system change.
How to Save Money
- Get at least 2 quotes — and make sure every quote includes a Manual J load calculation.
- Ask about utility rebates — KU/LG&E offers rebates on high-efficiency installs in 2026.
- 0% APR financing is available on installs $4,500 and up. Most customers finance over 36-60 months.
- Federal tax credits up to $2,000 are still available for qualifying heat pump installs.
Frequently Asked Questions
How long does installation take?
Most single-system replacements take 4-8 hours. Full AC + furnace changeouts typically run a full day.
What warranty comes with a new install?
Most manufacturers cover parts for 10 years (registration required). Trust Heating & Air adds a 3-year labor warranty on every install.
Will a new system really lower my bills?
Moving from a 10 SEER unit to a modern 16 SEER2 system typically cuts cooling costs by 30-40%. High-efficiency variable-speed systems can save even more.
Get a Free Quote
Honest pricing, same-day service across Lexington & Central KY.