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 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.
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. In a house this old the swap normally goes through the city's mechanical permit, and the written quote spells out what applies.
Updated October 27, 2026
What moves the quote in St. Paul Park: 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.
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. 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 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.
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.
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.