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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Plan on $4,500–$9,500 installed for a new furnace in Hastings, with 80% models near the low end and 96–98% condensing models near the top. In the 1800s houses near downtown, our written quote also covers the brick chimney, since changing the furnace can leave the water heater needing a liner.
In the older blocks around West Second Street, venting decides the job. A new 80% furnace can stay on the brick chimney, but an old unlined flue rarely matches the new furnace's venting tables, so a sized metal liner usually goes in. Moving to a 96–98% furnace sends the exhaust out through PVC, and the water heater is left alone in a chimney built for two, which calls for a liner or a power-vent water heater. Big round ducts from gravity conversions can often stay once the joints are sealed, but any white tape on them gets tested for asbestos before we cut.
Sizing matters as much. Oversized furnaces got copied from nameplate to nameplate, and a Manual J on the house as it stands now usually calls for less. CenterPoint Energy supplies the gas in Hastings, and its heating rebates for high-efficiency furnaces let you use the dealer of your choice.
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.
CenterPoint's heating rebates include high-efficiency boilers, a good fit for the many hot-water houses near downtown, and you choose the dealer. 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 through the wood rim joist above the stone, not through the stone itself. The terminations need the clearances the manufacturer lists from windows, doors, the gas meter and the expected snow line, which can be tight between closely spaced older houses. When a side wall won't work, some furnaces allow the pipes to run up an unused chimney as a chase, provided nothing else vents into it. We lay out the route before quoting.
Sometimes, but plan on a liner. An unlined brick chimney that served a big old furnace for decades often fails the venting tables for a smaller modern 80% model, and flue gases then condense inside the masonry. A metal liner sized for the furnace and water heater together solves that. Any liner is spelled out in the written quote.
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 guideTrane or Carrier furnace? How the lineups match up, warranty registration windows, quote checks and Minnesota install costs of $4,500–$9,500.
Read the guideMost furnace replacements take one day; venting, a chimney liner, gas line or duct work can add a second. Ours run $4,500–$9,500 installed. Call 612-429-3465.
Read the guideHeat out? AC quit? Call or send a request.