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Central AC vs Mini-Split: Cost Comparison

Central AC wins if you already have ducts. Mini-splits win everywhere else — they're 30% more efficient and let you cool only the rooms you use.

Typical range: $3,000 – $14,000 installed

Central Air

$4,000–$8,000 installed

Pros

  • Cools the whole house evenly
  • One thermostat
  • Hidden — no wall units
  • Cheaper if ducts exist

Cons

  • Needs ductwork ($10k+ retrofit)
  • 20–30% duct energy loss
  • One zone only
  • Loud outside unit
Estimate central air cost →

Ductless Mini-Split

$3,000–$14,000 installed

Pros

  • Up to 30% more efficient (SEER 20+)
  • Zoned — cool only rooms in use
  • No duct energy loss
  • Doubles as heat pump

Cons

  • Wall units are visible
  • $800–$2,500 per zone
  • More units to maintain
  • Best with 1–4 zones
Estimate ductless mini-split cost →

Bottom line

New construction or already-ducted home: central. Additions, older homes without ducts, or partial-use rooms (garage, master, office): mini-split every time.

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