Furnace cost calculator
Heating & Furnace cost estimator for New Jersey
Estimate furnace + heating-system replacement — gas, electric, oil-to-gas conversion, oil-to-heat-pump, boiler, radiant — with state-adjusted 2026 pricing. Pricing pre-set for New Jersey — answer 3 quick questions to see your estimate.
What heating system are you installing?
Frequently asked questions
People also ask about furnace cost
Fact-checked, dated answers to the questions homeowners ask most often before pricing out a furnace project.
- Is it worth converting from oil heat to a heat pump?
- Oil-to-heat-pump: NE stack hits $14K+ incentives + 40–60% operating cost drop. Payback 4–8 yrs.
- How long does a furnace last?
- 80% AFUE gas: 18–25 yrs. 95%+ AFUE: 15–22 yrs. Oil: 20–30 yrs. Annual service extends life 30–40%.
- What's the biggest rebate stack on a heat pump conversion?
- MA / CT / RI / ME / NH heat pump conversions can stack up to ~$14,000: HEEHRA $8K + 25C $2K + utility $3–4K.
- What is the 25C tax credit and how do I claim it?
- Federal 25C credit: 30% of upgrade cost, capped $1,200/yr ($2,000 for heat pumps). Stacks with HEEHRA and utility rebates.
State-specific furnace cost guides
Long-form 2026 guides with metro-level labor rates, permit details, and budgeting tips — written specifically for 6 states.
HVAC
HVAC Cost in Arizona 2026 — Phoenix Summer-Load Math + APS/SRP/TEP Heat-Pump Rebates
Real 2026 Arizona HVAC pricing for 110°F+ summer load — central AC ($7K-$14K) vs SEER2 18+ heat pump ($13K-$24K). APS / SRP / TEP rebate math, demand-charge avoidance, and why high-SEER pays off faster in AZ than anywhere else.
Read the guide
Insulation
Insulation Cost in Colorado 2026 — Xcel Energy Heat Pump-Ready Rebate Stack, Black Hills Energy Programs, and the High-Altitude R-Value Math
Real 2026 Colorado insulation pricing — attic, walls, crawlspace, whole-home weatherization. Xcel Energy Heat Pump-Ready rebate, Black Hills Energy + CORE Electric stack, and why CO's high-altitude design temps require R-60 attic as table-stakes.
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Furnace
Furnace Cost in Massachusetts 2026 — Oil-to-Heat-Pump Conversion Math + Mass Save 75-100% Stack
Real 2026 Massachusetts heating-system pricing — oil-to-heat-pump conversion ($13K-$22K before incentives, $4K-$10K after Mass Save stack), boiler replacement ($9K-$16K), gas furnace ($5.5K-$11K). Why MA has the best heat-pump conversion economics in the US.
Read the guide
Insulation
Insulation Cost in Massachusetts 2026 — The Mass Save 75-100% Rebate Playbook
Real 2026 Massachusetts insulation pricing — attic, walls, crawlspace, whole-home weatherization. The Mass Save 75-100% rebate playbook (most US homeowners pay $0-$1,200 out-of-pocket), prerequisite for heat-pump conversion, and how to game the free home energy assessment.
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Furnace
Furnace Cost in Minnesota 2026 — Cold-Climate Heat Pump Math at −20°F and Why Dual-Fuel Wins
Real 2026 Minnesota heating-system pricing — gas furnace ($6K-$12K), cold-climate heat pump ($14K-$24K), dual-fuel ($17K-$28K). Xcel Energy + CenterPoint rebate stack, MN HEEHRA launch math, and why dual-fuel beats both single-system paths in MN.
Read the guide
Furnace
Furnace Cost in New Jersey 2026 — PSE&G Stack, NJ NaturalGas Convert-to-Heat-Pump Math, and JCP&L Rebate Playbook
Real 2026 New Jersey heating-system pricing — gas furnace ($5K-$11K), oil-to-heat-pump conversion ($13K-$22K with PSE&G stack). Why NJ has the second-best oil-to-heat-pump economics in the US after Massachusetts.
Read the guideMore on furnace cost & decisions
Long-form 2026 guides on timelines, material comparisons, ROI, and financing for heating & furnace projects.
Insulation
Attic Insulation Cost Guide 2026 — by R-Value, Material & State + Full Incentive Stack
Complete 2026 attic insulation cost guide. Total cost by square footage, R-value target, and material (cellulose / fiberglass / spray foam). Federal 25C credit, HEEHRA rebate, and the climate-zone R-value chart.
HVAC
Central AC vs Heat Pump — 2026 Cost, Operating-Cost & 12-Year ROI Comparison
Apples-to-apples 2026 cost comparison: central AC + furnace replacement vs single-system heat pump. Install cost, operating cost in 4 climates, federal 25C credit math, and the 12-year ROI verdict.
Furnace
Furnace AFUE Rating Explained — 2026 Standards, Operating-Cost Math, and What to Spec
What is AFUE? 2026 federal minimum: 81% for gas furnaces. Operating-cost math at 80% / 90% / 96% AFUE, when high-efficiency pays back, and how AFUE relates to ENERGY STAR + 25C tax credit eligibility.
HVAC
Geothermal Heat Pump Cost Guide 2026 — Install, 25D 30% Credit & True 15-Year ROI
Complete 2026 geothermal (ground-source) heat pump cost guide. Install cost by loop type, federal 25D 30% credit (uncapped through 2032), operating cost vs air-source, and the 15-year ROI math.
Estimate furnace + heating-system replacement — gas, electric, oil-to-gas conversion, oil-to-heat-pump, boiler, radiant — with state-adjusted 2026 pricing. Our 2026 furnace cost model combines state-specific labor + materials data with a quality-tier multiplier and a 3-input scope wizard, so the band you see reflects YOUR specific project — not a national average. Like-for-like gas furnace swap: 1 day. Oil-to-gas conversion: 2–3 days (line install + tank removal). Oil-to-heat-pump conversion: 3–5 days (electrical service upgrade often required). Boiler replacement: 2–4 days. Radiant retrofit: 2–4 weeks (depending on scope and finish-floor work). Whatever you do, don't budget against a 2019-2021 number — 2022-2024 construction inflation was 18-30% and only partially mean-reverted.
How this calculator works
- What heating system are you installing? — Pick from: Gas furnace replacement, Electric furnace, Oil-to-gas conversion, Oil-to-heat-pump conversion, Boiler / radiant. The choice maps to a specific cost band in our 2026 dataset.
- How large is the heated area? — Pick from: Under 1,500 sqft, 1,500–2,500 sqft, Over 2,500 sqft. The choice maps to a specific cost band in our 2026 dataset.
- Standard / high-efficiency / premium? — Pick from: Budget, Mid-range, High-end. The choice maps to a specific cost band in our 2026 dataset.
- Pick your state — Heating & Furnace cost varies materially by state — California and New York run ~40% above the national base, midwest states ~15% below. Our state multiplier adjusts the 3-input base estimate to your local labor + materials market.
- Review the range, not a single number — 2026 furnace pricing is too project-specific for a single number to be honest. We give you a low–high band that covers ~70% of realistic 2026 quotes for that scope in that state. Treat the midpoint as your planning anchor, the upper bound as your contingency floor.
When to use this vs. skip it
Pre-quote sanity check
Run this BEFORE the first contractor walks your property. Knowing the realistic 2026 range for your furnace project (state-adjusted) keeps you from getting baseline-shifted on the first quote.
Comparing 2-3 written quotes
If one of your contractor quotes lands more than 25% above our state-adjusted band, request a line-item breakdown — that's almost always the gap between "fair" and "padded."
Budgeting a future furnace project
Most homeowners budget against a 2019-2021 number they remember. 2022-2024 saw 18-30% labor and materials inflation. Run our numbers so your budget reflects 2026 reality.
Right-sizing a renovation loan
Borrowing too little forces emergency credit mid-project at 22-29% rates. Our estimate + your contingency (we recommend 15%) sizes the financing correctly the first time.
Common mistakes homeowners make
- ×Skipping: Oil-to-heat-pump conversion qualifies for the FULL $2,000 federal 25C credit AND HEEHRA stack — cumulative incentives often offset 35–55% of the conversion cost in 2026.
- ×Skipping: Electric resistance furnaces are 3× more expensive to run than heat pumps in most US climates — if you're on electric heat, the heat pump payback is usually under 5 years.
- ×Don't undersize. Manual J load calculation ($150–$400) prevents the #1 furnace failure mode: short-cycling from oversized equipment that runs in 4-minute blasts and stresses the heat exchanger.
- ×Skipping: If you have a boiler / radiant system, upgrade the boiler — DON'T rip out the radiant. Radiant floor heat is one of the highest-comfort, longest-lifecycle (40–60 yr) systems in residential HVAC.
- ×Accepting the first contractor quote without 2-3 written comparisons.
- ×Forgetting the 10-15% contingency line — every 2026 furnace project has at least one mid-job surprise.
- ×Underweighting the permit + inspection timeline; permits run 1-4 weeks BEFORE work begins in most U.S. cities.
Last updated · Reviewed by the HavenCostGuide methodology desk
Furnace cost by state
See state-specific cost ranges and FAQs for heating & furnace projects.