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If you’re staring down a broken air conditioner or an aging furnace, the first question you have isn’t complicated: what is this actually going to cost me?
Here’s the short answer for the Indianapolis and Greenwood area in 2026:
| System Type | Good | Better | Best |
|---|---|---|---|
| Split System – AC + Gas Furnace | $9,800 – $13,800 | $12,100 – $17,000 | $15,000 – $20,900 |
| Packaged System – AC + Gas Furnace (Gas Pack) | $10,400 – $14,800 | $12,700 – $17,900 | $15,500 – $21,600 |
| AC Only (Coil + Condenser) | $6,200 – $9,100 | $7,800 – $11,400 | $9,900 – $14,300 |
| AC Only (Fan Coil + Condenser) | $7,400 – $10,700 | $9,100 – $13,100 | $11,300 – $16,100 |
| Heat Pump (Split System) | $9,400 – $13,600 | $11,700 – $16,700 | $14,500 – $20,500 |
| Furnace Only (Gas) | $4,800 – $6,800 | $6,000 – $8,500 | $7,500 – $10,600 |
| Ductless Mini-Split (Heating & Cooling) | $6,300 – $12,700 | $7,800 – $15,200 | $9,700 – $18,400 |
These aren’t marketing labels — they correspond to real efficiency tiers:
Complete Comfort installs equipment from Daikin and Bryant across all three tiers, so you’re getting a name-brand system regardless of which level fits your budget.
Not sure which tier fits your home and budget? Call 317-535-5073 and we’ll walk you through it in person — no pressure, no obligation.
Before you look at the pricing tables above and pick a tonnage, it helps to know roughly what size system your home actually needs. Sizing is based on two things: how much square footage each ton of cooling covers, and how much heating output (in BTUs) each square foot needs — both of which shift depending on your climate.
For Central Indiana’s mix of hot, humid summers and genuinely cold winters, here’s a starting-point sizing guide:
| Home Size (sq ft) | Recommended Cooling Size | Recommended Gas Furnace Size |
|---|---|---|
| 1,100 – 1,450 | 2 ton | 20,000 – 40,000 BTU |
| 1,450 – 1,800 | 2.5 ton | 40,000 BTU |
| 1,800 – 2,100 | 3 ton | 40,000 – 60,000 BTU |
| 2,100 – 2,450 | 3.5 ton | 60,000 BTU |
| 2,450 – 2,950 | 4 ton | 60,000 – 80,000 BTU |
| 2,950 – 3,600+ | 5 ton | 80,000 – 120,000 BTU |
This table is based on roughly 650 square feet of living space per ton of cooling and about 22 BTUs of gas heating per square foot — figures in line with cold-climate heating guidance from ASHRAE and cooling guidance from ACCA’s Manual J standard, the industry benchmark for HVAC load calculations.
A few important caveats: this is a starting point, not a final answer. Ceiling height, insulation quality, window count and orientation, and — as we mentioned above — your existing ductwork can all shift the right size up or down from what a simple square-footage chart suggests. This is exactly why a proper Manual J load calculation, which we perform for free during your in-home assessment, matters more than any online calculator. Sizing a system too large or too small for your home is one of the most common (and expensive) mistakes in this industry, leading to short-cycling, poor humidity control, or a system that simply can’t keep up.
Skip the guesswork. Call Complete Comfort at 317-535-5073 for a free Manual J load calculation and an accurate sizing recommendation for your home.
The tonnage and efficiency tier you choose make up the bulk of your quote, but they’re not the only factors. Here’s what else commonly moves the number:
If there’s one local factor that affects price more than anything else, it’s this: a lot of homes in the Indianapolis and Greenwood area were built with builder-grade ductwork that’s undersized for the home. It’s not something you can see just by looking at your system, but it’s often the actual reason a house never feels comfortable — no matter how good the equipment is.
This is also exactly where the cheapest quotes tend to fall apart.
We hear this often: a homeowner gets a quote from us, then a quote that’s thousands less from someone else, and understandably wants to know why.
Here’s the honest answer: the cheapest quote is usually just the equipment, with no corrections to airflow or installation standards. In practice, that means:
“Great prices and did an amazing job on our HVAC system replacement.” — Complete Comfort customer, Google review
When we walk homeowners through two wildly different bids, we don’t tell them which one to pick — we go through both, explain in plain terms what each line item actually means, and help them figure out what matters most for their specific situation and budget.
Got a quote you want a second opinion on? Call 317-535-5073 and we’ll go through it with you, line by line, at no cost.
You’re going to live with this decision for the next 10–15 years, so it’s worth getting right — but that doesn’t mean more expensive is automatically better for you.
Choose Good if: you need reliable, code-compliant comfort and want to keep costs down. It’s a legitimate, well-installed system — just without the extra efficiency and features of the higher tiers.
Choose Better if: you want the sweet spot. This is what most Indianapolis homeowners choose, because it delivers meaningful improvements in comfort, performance, and efficiency without the biggest price jump.
Choose Best if: you plan to stay in your home long-term and want maximum efficiency, the quietest operation, and the longest-lasting equipment available — and the extra features (variable-speed compressors, advanced zoning compatibility, smart controls) will actually get used.
Skip Best if: you’re moving in the next few years or won’t use the premium features. As our team puts it: there’s no reason to pay for something that isn’t going to add value for you.
Still torn between tiers? A quick call with our team beats guessing — reach us at 317-535-5073 for a personalized recommendation.
Two other decisions come up almost as often as Good/Better/Best: which configuration fits your home, and whether to heat with gas or electricity.
A split system separates the components — the furnace or indoor coil sits inside your home (typically in a basement, closet, or crawlspace), while the condenser sits outside. This is the most common setup for Indianapolis homes with a basement or a mechanical room to house the indoor unit.
A packaged system, often called a “gas pack,” combines everything — the furnace, coil, and condenser — into a single outdoor cabinet. These are common on homes without interior space for equipment, additions, and slab-on-grade construction.
Pricing is comparable ton-for-ton between the two (see the table above), so the right choice usually comes down to your home’s layout and existing setup rather than cost alone.
Heat pumps are highly efficient for both heating and cooling from a single system, but their heating efficiency drops as outdoor temperatures fall — which matters here, since Central Indiana sees real winter cold. Many homeowners in our area pair a heat pump with a gas furnace as backup for the coldest days (“dual fuel”), while others stick with a straightforward gas furnace and AC if the home already has good gas service. Ductless mini-splits, which are heat pumps by design, are a strong fit for additions, garages, or homes without existing ductwork.
For a deeper dive, our team has written full comparisons on heat pumps vs. furnaces and heat pumps vs. air conditioners.
This is really the Good-vs-Best question applied to furnaces specifically — a 95%+ AFUE furnace costs more upfront than an 80% AFUE model, but burns noticeably less gas over its lifetime. We break down the math in our high-efficiency vs. standard furnace comparison.
Not sure which setup fits your home? Call 317-535-5073 — we’ll help you figure out what actually makes sense for your house, not just what’s trending.
Beyond the core system, here’s what homeowners commonly add — and what it typically costs:
| Add-On | Typical Cost |
|---|---|
| Smart Thermostat | $100 – $1,000 |
| Indoor Air Quality (IAQ) System | ~$1,700 |
| Whole-Home Humidifier | $600 – $800 |
| Zoning System | Varies widely by scope |
One thing worth knowing: Complete Comfort’s quotes are built to avoid surprise line items. Permits, standard installation, and disposal of your old unit aren’t hidden extras tacked on after the fact — they’re part of the process from the start. And the in-home assessment that gets you an accurate quote is always free.
Want a quote that includes everything up front? Call 317-535-5073 to schedule your free, no-surprises in-home estimate.
A new HVAC system is a real investment, and financing is available to spread out the cost:
Every financing plan depends on approval and the specifics of your project, so the best way to get exact terms is to talk with our team directly during your free estimate.
Rebate programs change often, so treat this as a starting point rather than a guarantee:
We’ll help you understand what you may qualify for, though ultimately applying for any rebate or credit is the homeowner’s responsibility.
Want to know your actual monthly payment? Call 317-535-5073 and our team will walk through current financing terms and rebate eligibility for your project.
Not every HVAC problem means you need a new system. Here’s what we actually look at:
We won’t tell you what to do — we’ll walk you through the repair-versus-replace math, answer your questions honestly, and let you make the call that’s right for your home and budget.
Weighing repair vs. replace? Call 317-535-5073 for an honest, no-pressure assessment — we’ll lay out the real numbers so you can decide.
Replacing a system isn’t just about avoiding a breakdown — an old, inefficient AC or furnace is quietly costing you money every single billing cycle, and in Central Indiana those costs have been climbing.
On the cooling side: AES Indiana’s published residential rate runs around 14¢ per kWh, though state-wide averages (which include recent rate increases approved by the Indiana Utility Regulatory Commission in 2026) run closer to 17–18¢ per kWh. Air conditioner efficiency has roughly doubled since the SEER standards of the 1990s and early 2000s — as a rule of thumb, moving from an old 10 SEER unit to a modern 16 SEER “Better”-tier system cuts cooling energy use by around 38%. On a typical 3-ton system, that can mean a few hundred dollars in cooling costs saved per year, and several thousand over the life of the equipment — before accounting for the fact that Indiana’s electricity rates are trending upward, not down.
On the heating side: Indianapolis-area natural gas rates (through utilities like Citizens Gas, CenterPoint Energy Indiana, and NIPSCO) have generally run in the neighborhood of $1.20–$1.40 per therm in early 2026, though this fluctuates seasonally. Moving from an 80% AFUE furnace to a 95%+ AFUE “Best”-tier furnace reduces the gas burned to produce the same amount of heat by roughly 15–16%.
These are illustrative, directional numbers, not a quote — your actual savings depend on your home’s size, insulation, usage habits, and current equipment. But the pattern holds: an aging system isn’t just a breakdown risk, it’s a monthly tax you’re already paying. Our team can walk through the real numbers for your specific home during a free in-home assessment.
Curious what your old system is actually costing you? Call 317-535-5073 and we’ll help you run the real numbers for your home.
Furnace-only replacement typically runs $4,800–$10,600 depending on BTU output and AFUE efficiency tier.
Replacing just the AC or furnace individually costs less upfront than a full system, but if both components are near the end of their lifespan, replacing them together often makes more sense than paying for labor and equipment access twice within a few years of each other.
This is the single most common question we get. The honest answer: you can almost always find a cheaper price — with anything, not just HVAC. We’re not trying to be the lowest bid. We aim to be fairly priced and to deliver every bit of value behind that price, which means diagnosing and fixing the actual problem (often airflow or ductwork), not just swapping equipment. Most of our customers find that’s worth the difference.
Ask what it includes. A significantly lower bid is usually missing something — a load calculation, airflow corrections, or full installation standards — rather than reflecting a better deal on the same scope of work.
With proper installation and maintenance, most systems last 10–15 years, which is exactly why the tier you choose upfront matters more than it might seem in the moment.
Still have questions? Skip the search and call 317-535-5073 — a real person on our team will give you a straight answer.
Every home is different, and the only way to know your exact price is a free, no-obligation in-home assessment. Our team will walk your home, explain your options in plain language, and give you a clear, honest quote — no pressure, no surprise line items.
Call Complete Comfort at 317-535-5073 for a personalized estimate.
Ken Hale is the Owner and licensed contractor behind Complete Comfort Heating, A/C & Plumbing Repair, serving the Greenwood and greater Indianapolis area since 2003. Ken holds the company’s HVAC contractor license and has personally overseen the installation standards behind every system Complete Comfort has installed for over two decades. “I got to meet the owner… I still can’t say thank you enough. They have an awesome crew,” one recent customer wrote after a system installation — a reflection of the hands-on approach Ken still takes with the business today.
Sources for local pricing context: U.S. Energy Information Administration and Indiana Utility Regulatory Commission residential rate data (2026); ASHRAE and ACCA Manual J HVAC sizing guidelines.
