$10,400 – $18,200 for a heating and cooling system
What most homeowners spend; the full range runs $6,500–$39,000 by scope. That’s about 30% above the national average for San Francisco.
Get a free quote from local pros →Cost swings widely with what you're actually doing — a cosmetic refresh and a full replacement are different projects. Here's the range at each scope.
In San Francisco, CA, most homeowners spend $10,400–$18,200 for a heating and cooling system — the full range runs $6,500–$39,000 depending on scope. San Francisco is one of the country’s higher-cost markets — expect prices roughly 30% above the national average, driven by higher labor rates, permit costs and steady demand.
Source: ZeroFi estimate · national industry cost ranges, updated 2026-07 · adjusted to San Francisco by ZeroFi's local cost index (×1.30). Planning ranges, not quotes — describe your job for a real estimate.
Most US homes replace a central AC + furnace, or switch to a heat pump — the ranges above assume a ducted whole-home system. The regional product — not just labor rates — is why prices differ, so the ranges above reflect San Francisco's typical setup.
Read the full hvac system replacement guide →
In San Francisco, CA, expect $10,400–$18,200 for a heating and cooling system — about 30% above the national average. Your exact price depends on system size (tons) and efficiency (seer2 / afue) and ac-only vs. full ac + furnace vs. heat pump. Describe your job to get a real quote from local pros.
San Francisco is one of the country’s higher-cost markets — expect prices roughly 30% above the national average, driven by higher labor rates, permit costs and steady demand.
Describe your project on ZeroFi and we’ll match you with vetted San Francisco pros who can quote it — free, no account needed, usually the same day.
Describe your job and get matched with vetted San Francisco pros — free, in seconds.