Both systems can effectively cool and heat your home, but they excel in different situations.
Central Air Pros - Whole-home solution from one system - Hidden components - Often lower cost for larger homes - Familiar technology
Central Air Cons - Requires ductwork - Duct losses can reach 30% - All-or-nothing cooling - Installation more invasive
Ductless Mini-Split Pros - No ductwork needed - Zone control - Higher efficiency - Perfect for additions - Quiet operation
Ductless Cons - Indoor units visible - Higher cost per area for whole house - Multiple units to maintain - Not suited for very large homes
Choose Central Air If: - Your home has existing ductwork - You're cooling the entire house - Duct system is in good condition - You prefer invisible components
Choose Ductless If: - No existing ductwork - Adding cooling to specific rooms - Building an ADU or addition - Want zone control - Older home where ducts aren't practical
Hybrid Approach Many Bay Area homes use both: - Central system for main house - Mini-split for addition, garage, or problem rooms
Cost Comparison
Central Air - Installation: $3,500-$7,500 (with existing ducts) - With new ducts: $10,000-$25,000
Ductless - Single zone: $3,000-$6,000 - Multi-zone whole house: $12,000-$25,000
Bay Area Context With our mild climate and many older homes, mini-splits have become extremely popular. They're often the best solution for Victorian, Craftsman, and mid-century homes without existing ductwork.
Consider a free consultation to determine which system best suits your specific home and needs.