96% vs 98% AFUE Furnace: Is the Upgrade Worth It in Minnesota?
What AFUE measures, the gas math from 80% to 96% to 98% using your own bill, and what a 98% furnace really buys you in a cold Minnesota house.
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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. Xcel Energy is the town's gas utility, and high-efficiency gas furnaces qualify for its Heating Equipment Rebates, so ask about eligible models before you choose.
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. On the rebate side, check Xcel's contractor requirements before counting on its furnace rebate.
Updated September 26, 2026
An installed furnace from us runs about $4,500–$9,500 in Centerville: 80% AFUE roughly $4,500–$6,000, 96–98% AFUE roughly $6,500–$9,500. Same prices in Centerville as in every town we serve. See the furnace replacement cost guide.
Natural gas in Centerville is Xcel Energy's, so a high-efficiency gas furnace falls under Xcel's Heating Equipment Rebates; check its participating-contractor rules before counting on one. Most homes also buy Xcel electricity, which brings its Residential Cooling Rebates and heat pump rebates handled by Trade Partner Network contractors. The east side is on Connexus Energy instead, with its own heat pump and central air rebates. Before you buy, ask whether the rebate you want requires a registered contractor. Don't plan on Minnesota's HEAR or HOMES rebates yet; neither has launched. Rebate programs change every year, so check the utility's current terms before you buy.
Our guides: Xcel and CenterPoint rebates, heat pump rebates.

More detail on our furnace installation page.
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.
What AFUE measures, the gas math from 80% to 96% to 98% using your own bill, and what a 98% furnace really buys you in a cold Minnesota house.
Read the guideFurnace brands for a Minnesota winter by tier: Carrier, Trane, Lennox, Rheem, Goodman and Amana lines, plus what matters more at -20°F than the badge.
Read the guideYes. How a gas furnace leaks carbon monoxide, the symptoms MDH lists, Minnesota's CO alarm law, what to do when the alarm sounds and what a red tag means.
Read the guideFurnace replacement in Centerville? Call or send a request.