November 3, 2025
Frankfort, IN Heating System Replacement Costs — HVAC Guide
Estimated Read Time: 11 minutes
If you’re comparing furnace replacement cost in Kokomo or nearby, you’re already doing the smart thing. Prices vary a lot, and the cheapest bid can become the most expensive after add-ons. In this guide, we break down real cost drivers, local install conditions, rebates, and how to pick the right system without overspending. You’ll also see how Summers quotes transparently and why our installs run smoothly, even in tight basements.
What Furnace Replacement Really Costs in North-Central Indiana
Most full furnace replacements fall into a broad range because every home is different. In Kokomo, Marion, Logansport, and surrounding towns, typical professionally installed systems often land in the mid to upper four figures, with higher-efficiency models and extras pushing beyond that. Your final number depends on equipment type, efficiency, ductwork condition, venting, add-ons, and local code items like permits.
Quick truth homeowners appreciate:
- The sticker price rarely includes everything you need to run safely and efficiently.
- Labor and accessory line items can change the total more than you expect.
- A well-installed 95 percent plus AFUE furnace can lower utility spend versus an older 70–80 percent unit, especially when Kokomo winter lows dip into the teens.
“Christian was here for a furnace check up and cleaning. He was extremely thorough and explained each part of the process.”
The Big Cost Drivers You Can Control
Understanding the levers that move price gives you leverage.
1) Equipment Type and Size
- Gas furnaces are common in our market and come in single-stage, two-stage, and modulating options.
- Correct sizing matters more than brand. Oversized units short cycle, waste energy, and fail early. Undersized units struggle on those windy nights off US-31.
- Load calculations should use Manual J methods, not guesswork or “same size as before.”
2) Efficiency Rating (AFUE)
- AFUE measures how much fuel becomes heat for your home. Moving from an older 70–80 percent unit to a 95–98 percent model reduces waste.
- High-efficiency units may need PVC venting and a condensate drain, which adds parts and labor but can shrink bills over time.
3) Venting and Gas Line Work
- Replacing a metal flue with PVC, adding a condensate pump, or resizing gas lines will affect price.
- Homes with long vent runs or tricky chimney paths may require creative solutions to meet code and manufacturer specs.
4) Ductwork Condition
- Leaky, undersized, or dirty ducts sabotage comfort and drive up energy use. Minor sealing is affordable. Major resizing or new returns increases investment but fixes hot-and-cold spots.
5) Controls and Indoor Air Quality
- Smart thermostats, humidifiers, high-MERV media filters, UV purifiers, and air cleaners are optional but can improve comfort and health.
6) Labor, Warranty, and Scope
- Professional installation, permit handling, haul-away, and start-up commissioning influence total cost.
- Longer labor warranties and worry-free maintenance plans increase value and predictability.
“We ended up needing some additional work, but he also offered the monthly plan… It’s a great deal.”
What’s Usually Included vs. Add-Ons
Every company packages installs differently. Here is what to ask for in writing.
Commonly Included:
- New furnace and compatible venting
- Basic thermostat or reuse of existing compatible control
- Start-up, safety checks, and gas leak test
- Haul-away and disposal of old unit
Potential Add-Ons:
- PVC vent conversion with condensate pump
- Gas line adjustments or sediment trap additions
- New plenum, transition, or minor duct alterations
- High-MERV filter cabinet or media filter rack
- Surge protection, drain safety switch, or pan upgrades
- Permit and inspection fees where required
“Trevor was knowledgeable, friendly, and professional. He checked my heating system out and answered all my questions.”
Repair vs. Replace: A Simple Framework
When a furnace is over 15 years old, has a cracked heat exchanger, or needs a repair that’s more than 30 percent of replacement cost, replacement often pencils out. Consider:
- Age and reliability history
- Safety issues like heat exchanger failure or improper venting
- Comfort performance in rooms furthest from the furnace
- Gas and electric bills after last winter
If budget is tight, targeted repairs plus a maintenance plan can buy time. But do not defer safety fixes.
How Brand and Model Choice Affect Price and Comfort
Brand matters, but installation quality matters more. Two truths:
- A top-shelf furnace installed poorly will disappoint.
- A reliable mid-tier unit installed correctly will impress.
Look for:
- ECM blower motors for better airflow and efficiency
- Two-stage or modulating gas valves for steady, quiet heat
- Solid parts warranties and a labor warranty you can actually use
“TREVOR MEIVES & his partner, TJ, did a great job installing the new HVAC system… The finished job looked wonderful.”
Permits, Code, and Safety: The Non-Negotiables
Good contractors pull permits when required and follow manufacturer instructions for venting, gas piping, and condensate disposal. Expect:
- Combustion air checks
- Proper clearances to combustibles
- Verified draft, gas pressure, and temperature rise
- CO monitoring and start-up documentation
Two hard facts you can bank on:
- Summers has been family-owned since 1969, with our Kokomo location serving homeowners since 2012.
- The federal Energy Efficient Home Improvement Credit currently offers up to $600 for qualifying high-efficiency furnaces meeting program criteria, available annually through 2032. Always confirm eligibility before purchase.
Rebates, Credits, and Financing Options
Stacking incentives can lower your net cost.
- Federal tax credit: Up to $600 for qualifying furnaces under the Energy Efficient Home Improvement Credit, plus other allowances for envelope upgrades. Keep receipts and manufacturer certificates for tax filing.
- Utility rebates: Programs in central Indiana often reward high AFUE and efficient blower motors. Availability varies by provider and season.
- Financing: Fixed low-monthly options can spread the investment without delaying needed heat.
Summers can check eligibility, prepare documentation, and align your equipment selection to the best incentives.
“My best friend called Summers for a furnace repair and Kris Polk came and figured out the issue and resolved it same day.”
Timeline: From Quote to Warm House
Most replacements take 1 day for standard like-for-like swaps. More time is likely when:
- Venting must be reworked
- Duct transitions or plenums need fabrication
- Add-ons like humidifiers are installed
What we do on install day:
- Protect floors and walkways
- Remove old equipment and verify gas shutoff
- Set and level the new furnace, connect venting and gas
- Wire controls, connect drain, and test combustion
- Run a full start-up, verify temperature rise and airflow
- Clean up and walk you through the system
“Christian and TJ did an excellent job servicing my furnace today.”
Hidden Costs to Watch Out For
No homeowner likes surprises. Ask your contractor to price these up front:
- Condensate pump and PVC vent termination
- Filter cabinet, media, and first-year filters
- Thermostat compatibility or upgrade
- Electrical disconnects or circuit additions where required
- Permit and inspection fees
A transparent bid lists each line item with part, labor, and warranty detail.
When a Heat Pump or Geothermal Makes Sense
If you are planning a major upgrade, consider alternatives:
- Cold-climate heat pump with gas furnace backup for hybrid efficiency
- Geothermal system to reduce operating costs and improve comfort
Summers installs geothermal systems and can model long-term utility savings for suitable properties and soils in our region.
“They went above and beyond… worked hard & fast and explained whenever I asked.”
How Summers Builds a Fair, Final Price
Our quoting playbook protects your budget and comfort:
- In-home evaluation with Manual J load considerations
- Duct inspection and static pressure checks when needed
- Multiple options: good, better, best, with clear AFUE and warranty notes
- All-in pricing that includes parts, labor, permits where applicable, and haul-away
- Price-match or beat guarantee against comparable written bids
- Financing and incentives mapped to your selection
This is why homeowners across Kokomo, Peru, and Tipton recommend us to neighbors.
Maintenance Plans That Protect Your Investment
After installation, routine maintenance preserves efficiency and keeps warranties in force. Our HVAC service plans include regular checkups and cleanings so your system stays in great condition. Plans can also qualify you for additional discounts. You get priority scheduling before the first hard freeze and annual reminders so nothing is missed.
“I am very happy with the heating and air system that we purchased from Summers Plumbing Heating & Cooling of Kokomo.”
Simple Homeowner Checklist Before You Buy
- Confirm Manual J sizing and duct condition
- Ask for a written scope with all add-ons itemized
- Verify AFUE, blower type, and thermostat compatibility
- Request permit handling and start-up documentation
- Review warranties, maintenance plan, and first-year filter schedule
- Ask about federal credits and current utility rebates
Follow this list and you will avoid most surprise costs and comfort complaints.
Special Offers for Kokomo-Area Homeowners
- Furnace Inspection Special: $69 inspection with a no-breakdown peace-of-mind checklist. Ask for current availability when you call.
- Free Service Call with Any Paid Repair: Keep more money in your pocket on the day you need us most.
Call (765) 252-0727 and mention our Heating Specials to lock in the best available deal today.
Frequently Asked Questions
How much does a furnace replacement cost on average?
It varies by size, efficiency, venting, and duct needs. In our area, most professionally installed systems land in the mid to upper four figures, with high-efficiency or add-ons increasing price.
Do I need to replace ducts when I replace the furnace?
Not always. If ducts are leaky or undersized, sealing or resizing improves comfort and reduces energy use. We test static pressure and inspect before recommending changes.
How long does installation take?
A straightforward replacement usually takes one day. Complex venting, duct transitions, or add-ons like humidifiers can extend to a day and a half.
Are there rebates or tax credits?
Yes. Many homeowners qualify for utility rebates and a federal credit up to $600 for eligible high-efficiency furnaces. We help verify eligibility and prepare documentation.
Should I choose single-stage, two-stage, or modulating?
Two-stage or modulating furnaces improve comfort and quiet operation. The best choice depends on your home’s load, ductwork, and budget after incentives.
Bottom Line
A fair furnace replacement cost comes from accurate sizing, transparent scope, and a quality install. In Kokomo and nearby cities, the right 95 percent plus AFUE unit can tame winter bills and keep every room comfortable. Protect your budget by getting an all-in quote and verifying incentives before you buy.
Ready for a Transparent Quote?
Call Summers Plumbing Heating & Cooling at (765) 252-0727 or schedule at https://www.summersphc.com/kokomo/.
Ask about today’s Furnace Inspection Special and Free Service Call with Any Paid Repair offers. We will match or beat competitor pricing, pull permits, and deliver a clean, code-compliant install backed by our Worry-Free Guarantee.
About Summers Plumbing Heating & Cooling
For over 50 years, Summers Plumbing Heating & Cooling has helped Indiana homeowners stay comfortable and save money. Family-owned since 1969 with our Kokomo shop opening in 2012, we offer honest pricing, a match-or-beat competitor guarantee, and 24/7 emergency service. Our licensed techs are routinely trained and abide by manufacturer specs for safe, efficient installs. Ask about financing, online specials, and our Worry-Free Guarantee.