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Furnace Replacement Cost Guide: What to Expect in Minnesota

Published March 9, 2026Liquid error (sections/fd-article line 240): comparison of String with 86400 failed· 1 min read
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Furnace Replacement Cost in Minnesota

Traditional HVAC contractor quotes in Minnesota run $3,500–$7,000+ all-in for mid-range furnace replacement. That includes equipment, contractor markup (often 40–100% above wholesale), labor, permits, and disposal. The markup alone often adds $600–$1,500.

Factory-Direct Saves $1,000–$2,500

Buying through Furnace Direct eliminates the contractor equipment markup entirely — you pay wholesale. Then hire a local HVAC tech for installation only ($600–$1,200 labor). Total factory-direct cost typically runs $2,000–$4,500 versus $3,500–$7,000 contractor all-in.

Goodman Price Tiers (Factory-Direct)

  • 96% AFUE single-stage (GMEC96/GMSS96): Best value for most Minnesota homes
  • 96% AFUE 2-stage variable-speed (GMVC96): Premium efficiency for larger homes
  • 80% AFUE (GMSS80): Entry price — not recommended for Minnesota's extreme cold

See our AFUE guide to compare efficiency and operating costs, and our rebates guide to reduce net cost further with utility rebates and federal tax credits. Our lifespan guide helps you decide when replacement makes sense. Get factory-direct pricing at Furnace Direct.

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