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 replacement furnace for a Centerville house costs $4,500–$9,500 installed with us, sized by Manual J and quoted in writing at a flat rate. Most jobs here swap one condensing furnace for another, so we check the existing PVC against the new furnace's manual.
Most Centerville replacements swap one condensing furnace for another, which keeps the job simpler than in older suburbs: the PVC vent and intake already pass through the wall, and a condensate drain is close by. Whether the existing pipe can stay depends on the new furnace's installation manual, which sets pipe diameter, allowed materials and maximum length, so we measure before quoting rather than assuming.
Sizing gets a fresh look. Many of these houses have finished lower levels, new windows or added attic insulation since the builder picked the original furnace, and a Manual J often lands on less capacity than the old nameplate. A two-stage or modulating burner suits two-stories whose floors heat unevenly. The city's mechanical permit covers furnaces, flues and ductwork, and a final inspection follows the install.
Updated November 10, 2026
By efficiency: 80% AFUE roughly $4,500–$6,000; 96–98% AFUE roughly $6,500–$9,500. See the furnace replacement cost guide.
A high-efficiency gas furnace falls under Xcel's Heating Equipment Rebates; check its participating-contractor rules before counting on one. Ask us which rebates apply when we quote. Rebate programs change every year, so check the utility's current terms before you buy.
Our guides: Xcel and CenterPoint rebates, heat pump rebates.
Sometimes. The new furnace's installation manual decides: it sets the pipe diameter for your vent length and number of elbows, the pipe materials allowed and the termination clearances. Some older installs used pipe or fittings that current manuals don't permit, or a diameter too small for the new unit. If the pipe qualifies and the terminations meet the clearances, reusing it saves wall repair. We check before the quote, not on install day.
With a room-by-room Manual J, not the old nameplate. We measure walls, windows and ceilings, account for what's changed since the house was built, such as a finished basement, new windows or extra attic insulation, and use Minnesota design temperatures. Furnaces in that era were often sized generously, so the answer is frequently smaller than what you have. A right-sized furnace runs longer, quieter cycles and heats the upstairs more evenly.
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.
Read the guideMost gas furnaces last 15–20 years, per Carrier and Lennox. See why Minnesota winters add wear, the end-of-life signs and our $4,500–$9,500 replacement range.
Read the guideBryant's Evolution 987M modulates; Legacy furnaces are single-stage. What that means in a Minnesota winter, how warranties compare, and where Preferred fits.
Read the guideHeat out? AC quit? Call or send a request.