HVAC Replacement Cost in Memphis, TN
Full HVAC system (AC + furnace) replacement in Memphis averages $8,700 — 11% below the national average. Heat pumps: $9,100 (before $2,000 federal credit).
Memphis — Full HVAC System
$8,700
AC + furnace, avg home
AC Only
$4,600
central air, 3-ton unit
Heat Pump System
$9,100
before $2,000 tax credit
HVAC Replacement Cost in Memphis by System Type — 2026
| System Type | Cost in Memphis | Note |
|---|---|---|
| AC only (no furnace) | $4,600 | central air conditioner, 3-ton |
| Gas furnace only | $3,900 | 80–96% AFUE, 80,000 BTU |
| Full HVAC (AC + furnace) | $8,700 | most common replacement |
| Heat pump system | $9,100 | heating + cooling; tax credit eligible |
| Mini-split (single zone) | $4,300 | ductless; per zone installed |
2026 Memphis HVAC contractor survey. Includes equipment, labor, and standard installation materials. Ductwork replacement not included (+$3,000–$8,000 if needed).
Climate & System Guidance for Memphis
Memphis's moderate climate makes heat pumps an excellent choice — they provide both heating and cooling and qualify for the $2,000 federal tax credit.
Recommended SEER
16 SEER2
Best System Type
Heat pump
Get Free HVAC Quotes in Memphis
HVAC pricing varies $2,000–$4,000 between contractors for identical equipment in Memphis. Always get 3 quotes before choosing.
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FAQs — HVAC Cost in Memphis
How much does HVAC replacement cost in Memphis?
Full HVAC system replacement (AC + furnace) in Memphis, TN costs $4,900–$16,000, with an average of $8,700 — 11% below the national average of $9,800. AC-only replacement runs $4,600. Heat pump systems cost $9,100 before the federal $2,000 tax credit.
What HVAC brands are best for Memphis's climate?
Memphis's moderate climate makes heat pumps an excellent choice — they provide both heating and cooling and qualify for the $2,000 federal tax credit. For Memphis, reliable mid-range brands include Carrier, Trane, and Lennox ($7800–$10000). Budget-friendly Goodman and Rheem ($5700–$7400) offer excellent value. Focus on SEER2 rating and installer reputation over brand prestige.
Do I need a permit for HVAC replacement in Memphis?
Yes — Memphis requires a mechanical permit for HVAC replacement, including like-for-like equipment swaps. Permits typically cost $75–$200 and require a post-installation inspection. A licensed TN HVAC contractor will pull the permit as part of the job. Never accept an offer to skip permits — it voids your homeowners insurance claim and can cause problems when selling your home.
Should I repair or replace my HVAC system in Memphis?
The rule of thumb: if repair cost exceeds 50% of replacement cost ($4400 in Memphis), replace it. Also consider age: if your AC is 15+ years old or furnace 20+ years old, replacement makes more financial sense. New 16 SEER2 systems typically save $200–$600/year in energy vs. a 10-year-old system — often paying back in 5–8 years.
Are heat pumps worth it in Memphis?
Yes — Memphis's mild climate is ideal for heat pumps. They provide both heating and cooling, use 30–50% less energy than gas furnaces, and qualify for a $2,000 federal tax credit. Payback is typically 5–7 years.