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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Replacing a Glencoe furnace costs $4,500–$9,500 installed with us. The quote is written and flat-rate after a Manual J. In Glencoe's older homes, moving to a 96–98% furnace usually means switching from chimney venting to PVC.
Most furnace replacements in Glencoe swap out an older 80% or mid-efficiency unit in a full basement. Moving to a 96–98% furnace means PVC intake and exhaust through the rim joist and a condensate drain, and it leaves the water heater venting alone into a chimney built for two appliances; a liner or a power-vent water heater solves that, and it's in the quote. If a chimney is in poor shape anyway, getting the furnace off it is one more reason to go condensing.
The AC coil perched on top of the old furnace needs a decision. If the air conditioner is young and on R-410A, the coil can often be reset on the new furnace with a proper transition; if it's R-22 or tired, replacing both together is usually cheaper than paying for coil work twice. Your gas utility's rebate program applies to the furnace, while Glencoe Light & Power runs its own programs on the electric side. A mechanical permit is required.
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.
For a gas furnace, the rebate comes from whichever gas utility sends your bill; look at that company's current heating program before you sign. 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.
Not by rule. An older two-story has more wall area and often less insulation, which raises the heat loss, but plenty have had attic insulation and new windows since. A Manual J works that out room by room. Where upstairs rooms run cold, the cause is usually a missing return or small supplies rather than furnace size, and a bigger furnace just short-cycles.
Usually, after a check. Ducts that have served several furnaces are often fine in the main trunk, but returns can be undersized for a modern blower and old joints may leak. We measure static pressure on the old system and look at the return path. If the numbers are high, adding a return or opening a restriction during the install costs far less than living with a noisy, overheating furnace.
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 guideConverting an oil furnace or boiler to natural gas in Minnesota: $6,000–$20,000 nationally, getting gas to the house, venting, the oil tank and hot water.
Read the guideFurnace quit in a cold snap? Learn how to clear an iced PVC vent safely and stop it from recurring. If it won't stay lit, call 612-429-3465.
Read the guideHeat out? AC quit? Call or send a request.