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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A furnace replacement in Orono costs $4,500–$9,500 installed per system, about $4,500–$6,000 at 80% AFUE and $6,500–$9,500 at 96–98%. Big houses here often run two or three furnaces, each sized by its own Manual J.
Big Orono houses usually split their heating load across two or three furnaces, and each gets its own Manual J for the area it serves. The upstairs system faces vaulted ceilings and lake-facing glass; the basement system may share the lower level with in-floor heat, which changes how much forced air it needs. Sizing each one to its zone, and wiring the thermostats so they don't overlap, fixes more comfort complaints than bigger furnaces do.
Attic or upper-floor furnaces need condensate lines protected from freezing and a secondary pan with a float switch. For detached garages and guest houses, the choice is a new vented unit heater, a small furnace, or a ductless heat pump if the building also needs cooling. Outbuildings on propane stay on propane unless a gas line is close. CenterPoint Energy supplies gas to most of Orono. The city normally requires a mechanical permit for the install; the written quote says whether this job needs one.
Updated October 27, 2026
What moves the quote in Orono: venting changes on a switch to a condensing furnace, a liner for a water heater left alone in the chimney, and ductwork and returns. See the furnace replacement cost guide.
Orono homes are on CenterPoint Energy gas and Xcel Energy electricity, so both utilities' programs apply. CenterPoint's heating rebates cover high-efficiency furnaces and gas boilers, including boilers that drive in-floor heat, plus smart thermostats, and you can use any 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.
Not necessarily. If they went in together and are all about the same age, replacing them together keeps controls and warranties aligned and means one permit process. If one is much newer, replace the old ones and keep the good one. Each furnace gets its own written price, so you can phase the work over a couple of years if that suits you better.
Yes, a lot. Big windows lose more heat at night than insulated walls, and on sunny winter days they gain heat, so rooms facing the lake swing more than the rest of the house. A Manual J counts the actual glass area and orientation. A two-stage or modulating furnace handles those swings better than a single-stage one sized only for the coldest night.
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 guideFurnace size comes from a Manual J heat loss at a -15°F design day, not square feet. Input vs output BTU, AFUE, why old furnaces run big and what to ask for.
Read the guideBang, squeal, scrape, rattle, hum, click or whistle: what each furnace noise means, whether it's safe to run, and when to call 612-429-3465.
Read the guideHeat out? AC quit? Call or send a request.