When your HVAC system needs a major repair, you face a difficult choice. Here's how to make the right decision.
The 50% Rule If repair costs exceed 50% of replacement cost, replace.
The 5,000 Rule Multiply system age by repair cost: - Result > $5,000 = Replace - Result < $5,000 = Repair
Example: 12-year-old system, $450 repair = $5,400 → Replace
Consider Replacement If:
Age Factors - AC over 15 years old - Furnace over 20 years old - Heat pump over 12 years old
Efficiency Factors - Rising energy bills - System can't maintain temperature - Frequent repairs (more than twice yearly)
Refrigerant Factors - Uses R-22 (phasing out, expensive) - Requires frequent recharging
Safety Factors - Cracked heat exchanger - Carbon monoxide concerns - Failed safety devices
Consider Repair If:
- System under 10 years old
- First major repair
- Minor issue with simple fix
- Still under warranty
- No efficiency concerns
Financial Considerations
Repair Benefits - Lower immediate cost - May extend useful life - Buys time to plan replacement
Replacement Benefits - Higher efficiency (lower bills) - Rebates and tax credits available - No repair surprises - Better comfort - Warranty protection
Questions to Ask
- How old is the system?
- What's the repair history?
- Is efficiency declining?
- What's the repair cost vs. replacement?
- Are rebates available?
Get Professional Input
A reputable HVAC company should: - Provide honest assessment - Explain all options - Not pressure replacement unnecessarily - Consider your budget and needs
Sometimes repair is right, sometimes replacement is better. The answer depends on your specific situation.