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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Columbia Heights furnace replacement runs $4,500–$9,500 installed with us, quoted flat-rate after a Manual J. Houses here are mostly 1910s–1950s with tight basements and masonry chimneys, so cabinet height, the vent route and any water heater liner are priced up front.
Replacing a furnace in Columbia Heights usually means working in a tight basement. Low ceilings, the laundry and old stairs crowd the mechanical corner, so cabinet height and service clearance come first. Many houses have converted gravity ductwork, with oversized trunks and often one big central return, and a new furnace needs enough return air, so we may add a return or a second filter path while we're there.
Going to a 96–98% furnace means PVC through a foundation or rim joist on lots where the neighbor's house may be close, and the water heater left on the masonry chimney usually needs a liner. In some houses an 80% furnace on a relined chimney is the better fit. Postwar ramblers are simpler, though central air added as a coil on the old furnace may have to change if the new cabinet is a different height. A mechanical permit is normally required, and the written quote says so.
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.
CenterPoint's heating rebates cover high-efficiency boilers as well as furnaces, which matters in the older radiator houses, and you can use the dealer of your choice. CenterPoint's Home Energy Squad visit is a good starting point for air sealing. 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.
Usually, with some changes. Gravity systems used large, gently sloped trunks that don't match a modern blower, and many have a single central return. We keep the ducts that work, seal the obvious leaks and add return air where the furnace would otherwise starve. A furnace with a variable-speed blower handles odd duct systems better than a single-speed one. We measure static pressure first, so the quote reflects what your ducts need.
Yes, but have that wrap tested first. Ducts and gravity furnaces in houses from this era were often insulated with material that can contain asbestos, and cutting into it releases fibers. A licensed asbestos contractor tests it and, if needed, removes or encapsulates it before we open the ductwork. A furnace swap usually touches only the plenum connections, so the area that needs attention can be small.
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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