If your heating and cooling system is outdated, failing, or simply can’t keep up with Texas weather, it may be time to replace it. But how much should you expect to pay for a new HVAC system in Central Texas?
Average Cost of HVAC Installation in Texas (2026)
Most Central Texas homeowners can expect to pay between $7,500 and $13,000 for a full HVAC replacement — depending on system size, home layout, and energy efficiency goals. Use our HVAC replacement cost estimator for a quick, personalized price estimate.
| System Type | Avg Installed Cost |
| Standard Split HVAC (3-ton, 14–16 SEER) | $7,500–$9,000 |
| High-Efficiency HVAC (18–20 SEER+) | $9,500–$12,000 |
| Heat Pump System (All-Electric) | $8,500–$13,000 |
| Ductless Mini-Split (1–2 Zones) | $4,000–$6,500 |
Need help determining the right system for your square footage? Visit HVAC Services in Temple, TX for consultation options.
What’s Included in HVAC Installation Costs?
A full installation typically includes:
- Equipment (furnace, AC, air handler, heat pump, etc.)
- Thermostat (smart or programmable)
- Ductwork adjustments or sealing
- Drain line, refrigerant line, and vent connections
- Removal and disposal of old unit
- Permits and inspections
Factors That Impact Final Price
Pricing varies based on:
- System size (tonnage): Larger homes need larger units
- Energy efficiency rating (SEER/HSPF)
- Ductwork condition: Leaks, damage, or sizing issues increase labor
- Accessibility: Attic or crawlspace installs may require extra manpower
- Home age and insulation quality
Explore add-on costs or alternatives like zoning systems on our HVAC Services in Copperas Cove page.
Regional HVAC Pricing by City
| City | HVAC Install Range |
| Temple | $7,500–$11,000 |
| Belton | $7,800–$11,500 |
| Copperas Cove | $8,000–$12,000 |
| Killeen | $8,200–$13,000 |
| Salado | $8,000–$13,500 |
Availability of technicians, permit fees, and supply chain factors can vary by zip code.
HVAC Installation vs Replacement: Are You Due?
Here’s how to know it’s time to replace instead of repair:
- Your system is 12–15+ years old
- Repairs exceed $1,200 in 2 years
- Energy bills are climbing despite consistent usage
- Some rooms are hot/cold zones
- The system uses outdated refrigerant (R-22)
- Your warranty has expired
Still unsure? Compare both paths with our New AC vs AC Repair Guide.
Add-On Costs to Watch For
Additional work can add $500–$2,500 depending on the project:
| Add-On | Avg Cost |
| New Smart Thermostat | $250–$600 |
| Electrical Panel Upgrade | $1,800–$3,200 |
| New Ductwork (Full Home) | $3,000–$6,500 |
| Insulation Improvements | $1,000–$2,000 |
| Permit & Inspection Fees | $150–$400 |
Our Electrical Panel Installation service ensures your new HVAC system won’t overload your circuits.
Financing Options for HVAC Installation
Most Central Texas providers offer:
- 0% APR short-term financing
- Low-monthly payment plans (with credit approval)
- Rebates through utility providers or energy-efficiency programs
- Incentives for heat pump upgrades in 2026
Speak with our team about financing options when booking your system consultation.
Final Thoughts: What to Expect When Budgeting
HVAC replacement isn’t cheap — but it’s one of the most valuable and ROI-positive home upgrades you can make in Texas.