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 in Ramsey, MN
A new furnace in Ramsey costs $4,500–$9,500 installed with us, roughly $4,500–$6,000 for an 80% model and $6,500–$9,500 for 96–98% AFUE. Propane homes out on acreage get the same Manual J sizing and written flat-rate quote, with the furnace set up for LP instead of natural gas.
Furnace replacements in Ramsey homes
Most Ramsey furnace replacements land in one of two houses. In a 1970s or 80s split-entry, the furnace sits in a half-below-grade lower level, and moving from 80% to 96–98% means a PVC run out through the rim joist with the termination kept above grade and the snow line. If the old furnace shared a chimney with the water heater, the water heater needs its own venting plan. A 1990s or 2000s two-story already has PVC, though the new furnace's manual decides whether the old pipe still qualifies.
Fuel changes the math. A propane house isn't a CenterPoint customer, and on those properties pairing a heat pump on Connexus Energy's dual-fuel rate with the new furnace often makes sense. A replacement normally needs a city mechanical permit; ask us how it shows on your quote.
Updated October 27, 2026
What affects the price of a new furnace in Ramsey?
What moves the quote in Ramsey: 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.
Are there rebates for a new furnace in Ramsey?
Natural gas homes in Ramsey can use CenterPoint Energy's furnace and boiler rebates. Propane homes have no gas utility rebate, so on those properties the electric utility's programs matter more. 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.
Furnace replacement in Ramsey: questions
Is a 96% propane furnace worth the extra cost on our Ramsey acreage?
Usually yes. Propane typically costs more per unit of heat than natural gas, so every point of efficiency saves more money each winter than it would on a gas main. An 80% furnace can still make sense for a building you barely heat. For the house itself, compare a 96% furnace alone against a 96% furnace paired with a heat pump on Connexus's dual-fuel rate, which lets electricity carry the mild days and saves propane.
The furnace in our Ramsey split-entry sits under the stairs. Will a condensing furnace fit there?
Usually. A 96% furnace has a similar footprint to an 80% one, so the cabinet itself is rarely the problem. The questions are where the PVC exits (through the rim joist, high enough to clear snow), where the condensate drains (a floor drain, or a pump if it's across the room), and whether there's enough room in front to service it. We measure all three before quoting.
More in Ramsey
Signs your furnace needs replacing
- Furnace repair in Ramsey
- AC repair in Ramsey
- AC replacement in Ramsey
- Heat pumps in Ramsey
- Mini-splits in Ramsey
- Tune-ups in Ramsey
- All HVAC service in Ramsey
Furnace replacement near Ramsey
- Dayton, MN furnace replacement · 3 mi
- Nowthen, MN furnace replacement · 5 mi
- Anoka, MN furnace replacement · 5 mi
- Champlin, MN furnace replacement · 6 mi
- Elk River, MN furnace replacement · 6 mi
- Rogers, MN furnace replacement · 7 mi
Brands we install and service
Guides on furnace replacement
Oil to Natural Gas Conversion in Minnesota: Steps and Costs
Converting 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 guideFrozen Furnace Vent Pipe? How to Clear It in Minnesota
Furnace 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.
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Heat out? AC quit? Call or send a request.