96% vs 98% AFUE Furnace: Is the Upgrade Worth It in Minnesota?
What AFUE measures, the gas math from 80% to 96% to 98% using your own bill, and what a 98% furnace really buys you in a cold Minnesota house.
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Furnace Replacement in St. Paul Park, MN
A new furnace for a St. Paul Park home costs $4,500–$9,500 installed with us: about $4,500–$6,000 for an 80% AFUE model and $6,500–$9,500 for a 96–98% condensing one. Manufactured homes need a downflow furnace whose listing covers them. Every quote is written and flat-rate, sized with a Manual J load calculation.
Furnace replacement calls in St. Paul Park homes
Replacing a furnace in one of St. Paul Park's pre-1961 houses starts with the chimney. Keep an 80% furnace and the old masonry flue has to be inspected and often lined. Step up to a 96–98% model and it exhausts through PVC pipe instead, the condensate needs a floor drain or a pump, and the water heater left in the chimney may need a liner of its own. A Manual J often shows the old furnace was bigger than the house needed.
In the manufactured home community, the new furnace has to fit the closet and the floor duct opening, and its listing has to allow a manufactured-home installation with sealed combustion. Gas here comes from Xcel Energy, whose Heating Equipment Rebates cover high-efficiency gas furnaces; ask Xcel whether your rebate needs a participating contractor before you sign. The mechanical permit is part of our price.
Updated September 26, 2026
How much does a new furnace cost in St. Paul Park?
An installed furnace from us runs about $4,500–$9,500 in St. Paul Park: 80% AFUE roughly $4,500–$6,000, 96–98% AFUE roughly $6,500–$9,500. Same prices in St. Paul Park as in every town we serve. See the furnace replacement cost guide.
Are there rebates for a new furnace in St. Paul Park?
St. Paul Park buys both its gas and its electricity from Xcel Energy, and Xcel's rebate list covers furnaces, central air and heat pumps. In the pre-1961 houses, Xcel's insulation and air sealing program is worth doing before new equipment, since a tighter house can take a smaller system. Xcel pays heat pump rebates on installs by its Trade Partner Network contractors, and it currently requires the installation and invoice to be finished by December 31, 2026, with applications accepted through September 30, 2027. Rebate programs change every year, so check the utility's current terms before you buy.
Our guides: Xcel and CenterPoint rebates, heat pump rebates.
Signs it's time to replace your furnace
- A cracked heat exchanger on a furnace that's out of warranty
- The furnace is 20-plus years old and needs another major repair
- Rooms far from the furnace never warm up on sub-zero nights
- Gas bills climbing while your thermostat settings haven't changed
- Repair calls two or more winters in a row
- A burner roar or blower noise you can hear across the house
- Replacement parts for your model are getting hard to find
More detail on our furnace installation page.
Furnace replacement in St. Paul Park: questions
Can a standard furnace go into our St. Paul Park manufactured home?
Usually not. Federal rules for manufactured housing require the furnace's combustion to be sealed off from the living space and the installation to follow the furnace's listing, and most furnaces sold for site-built houses aren't listed for manufactured homes. In practice that means a downflow furnace made for them, drawing combustion air from outside. We match the new unit to your closet, floor opening and AC coil, and quote it in writing before ordering.
We live in Stevens Ridge. Should the new furnace match the old one's size?
Not automatically. The furnace in a 1980s house has often been replaced once already, and each replacement tends to copy the label on the one before it. Meanwhile, many homes have gained new windows, extra attic insulation or a finished basement. A Manual J load calculation measures the house as it stands, and it often lands on a smaller furnace that runs longer, steadier cycles. We show you the numbers with the written quote.
More in St. Paul Park
- Furnace repair in St. Paul Park
- AC repair in St. Paul Park
- AC replacement in St. Paul Park
- All HVAC service in St. Paul Park
Furnace replacement near St. Paul Park
- Newport, MN 2 mi
- Cottage Grove, MN 2 mi
- Inver Grove Heights, MN 3 mi
- South St. Paul, MN 4 mi
- Woodbury, MN 6 mi
- West St. Paul, MN 8 mi
Brands we install and service
Guides on furnace replacement
Furnace Replacement Cost in Minnesota (2026)
A new furnace installed in Minnesota runs $4,500–$9,500 with us: 80% vs 96–98% AFUE prices, what moves a quote, and rebates now that 25C has ended.
Read the guideWhat Does a Furnace Pressure Switch Do, and Why Does It Keep Tripping?
A furnace pressure switch proves the inducer is venting exhaust before the gas can open. Why it trips in a Minnesota winter, what you can check, and the cost.
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Furnace replacement in St. Paul Park? Call or send a request.