96% vs 98% AFUE Furnace: Worth the Upgrade in Minnesota?
A 98% AFUE furnace saves only about 2% more gas than a 96% model. Our condensing furnaces run $6,500–$9,500 installed. See what the extra buys.
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A new furnace in Bayport costs $4,500–$9,500 installed with us. Older houses near the lake often need chimney or venting work, and that goes into the written, flat-rate quote along with Manual J sizing.
In Bayport's older houses, a furnace replacement is shaped by the chimney and the basement. An old masonry chimney may need a properly sized liner before another 80% furnace can use it. A 96–98% furnace skips the chimney and vents through PVC, but the pipes still need a clear path to an outside wall, and the water heater left behind still needs a safe way out. Load calculations on these houses tend to come in below the old nameplates, especially after window and insulation upgrades.
In Inspiration, the job is closer to a swap: the PVC venting and condensate drain are already in place, and the work centers on sizing and matching the AC coil. Bayport's gas comes from Xcel Energy; for its high-efficiency furnace rebate, ask whether the rebate needs a registered contractor. A city mechanical permit is normally needed for the swap.
Updated October 27, 2026
By efficiency: 80% AFUE roughly $4,500–$6,000; 96–98% AFUE roughly $6,500–$9,500. See the furnace replacement cost guide.
Usually. Most replacement furnaces fit the same footprint, and the PVC vents and condensate drain are already routed. What we check is height, since a new cabinet plus a matched coil can stand taller than the old stack, and the service clearance in front, which a finished closet sometimes squeezes. If the door or framing is tight, we tell you during the quote, and anything that has to change is spelled out in the written price.
Often, yes. Because the evaporator coil rests on the furnace's supply opening, the new cabinet has to match its width, or we add a transition, and the new blower has to deliver the airflow that coil and condenser were rated for. We check the coil's model and refrigerant against the new furnace. If it fits, the AC stays untouched; if not, you get the options in writing, including a coil that matches both.
Signs your furnace needs replacing
A 98% AFUE furnace saves only about 2% more gas than a 96% model. Our condensing furnaces run $6,500–$9,500 installed. See what the extra buys.
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