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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Furnace replacement for Maple Lake homes runs $4,500–$9,500 installed with us, up to roughly $6,500–$9,500 for a 96–98% condensing model. On propane farms and lake places past CenterPoint's gas lines, the higher-efficiency furnace tends to pay back faster. Quotes are written, flat-rate and sized by Manual J.
A furnace replacement near Maple Lake starts with the fuel. Homes in town are on CenterPoint Energy natural gas, and CenterPoint's heating system rebates cover qualifying high-efficiency furnaces for its gas customers. Farms and acreages outside the gas lines usually burn propane and fall outside those rebates. Propane costs more per unit of heat, which makes the case for a 96–98% furnace stronger there.
Venting comes next. Many farmhouses and early-1900s town houses vent through an old masonry chimney, sometimes shared with a water heater, with a wood stove flue running beside it. Switching to a condensing furnace moves its exhaust into PVC through a side wall, and a water heater left alone in the chimney may need a liner. Lake homes on Maple Lake raise a different question: whether the replacement fits the closet or crawlspace the old one came out of. A mechanical permit is normally required on an install.
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.
In the city, CenterPoint Energy supplies gas and Xcel Energy supplies electricity. CenterPoint's furnace and boiler rebates work with any dealer you choose, and its ducted heat pump rebate applies only when the heat pump is paired with a gas furnace. Homes heated with propane or wood won't see a gas utility rebate. 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.
We size for the house as if the stove were cold, because some night it will be: a trip, a sick week, an evening nobody wants to haul wood. A Manual J load calculation sets the furnace size from the house itself. What the stove changes is how often the furnace runs, so a two-stage furnace that can idle along at low fire is often a better match than a single-stage one.
Usually a horizontal furnace, sized to pass through the access opening and sit above any standing water, with room left to service it. Condensing furnaces make water, so a crawlspace that drops below freezing needs a drain route that can't freeze. When the crawl is tight and cold, a sealed closet install or a heat pump can be the cleaner answer. We look under the house before we price anything.
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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