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Repair or replace your furnace or AC? How to decide

Published October 26, 2026. 2 minute read.

Three air conditioner condensers on concrete pads beside a wooden fence, two Goodman and one Ameristar
Shad Heating and Cooling at work

Nobody wants to replace a system early, but pouring money into a failing one isn't smart either. Weigh these factors.

Age

  • Furnaces: 15 to 20 years is typical.
  • Central AC: 12 to 15 years.
  • Boilers: often 20 years or more, longer for cast iron.

Cost of the repair

A common rule of thumb multiplies the system's age by the repair cost. If the result is above roughly $5,000, replacement deserves a hard look. It is only a guide.

Big red flags

  • A cracked heat exchanger is a safety problem, and replacement is usually the answer.
  • A failed compressor on an older AC often costs close to a new system.
  • Systems that use R-22 refrigerant are costly to repair, because production ended in 2020.
  • Repeated repairs in one season.

Efficiency and comfort

Older furnaces may run at 80 percent efficiency, and new high-efficiency models reach 95 percent or more. Uneven rooms and rising bills also point toward replacement.

Get numbers, not pressure

Ask for a written estimate that covers equipment, labor and any ductwork. Estimates on new furnace and AC installs are free, and our coupons can reduce the price.

Need a hand? See our maintenance plans, grab a coupon, or call 773-644-8227.

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