Mini-split vs central air: what permit values show in 2026

This page puts ductless mini-split permits next to central air conditioner replacement permits for each region, with the middle half, the median and the number of permits behind each. Where it helps, it adds furnace and AC replacements done together.

They are different jobs. A mini-split usually heats and cools and needs no ductwork. A central air replacement swaps an outdoor unit and coil on an existing duct system, and a furnace and AC job replaces both halves of that system. Comparing the figures is not comparing like for like.

We can see the differences between them in each region, but permits do not record why they differ, so we do not offer a cause. Use the calculators to check a quote for any of these jobs.

Bars show the middle half of declared permit values on one shared scale; the tick is the median.

Northeast

Mini-split

$7,290 to $18,120, median $12,410

361 permits in Buffalo and Pittsburgh

Central AC replacement

$5,620 to $10,560, median $7,050

475 permits in Buffalo and Pittsburgh

Furnace and AC together

$8,630 to $14,990, median $11,550

581 permits in Buffalo and Pittsburgh

Midwest

Mini-split

$6,810 to $13,500, median $8,870

22 permits in Cleveland early read, limited sample, n=22

Central AC replacement

$5,300 to $7,880, median $6,620

481 permits in Cleveland

Furnace and AC together

$8,250 to $13,580, median $11,000

815 permits in Cleveland

South

Mini-split

$9,310 to $18,340, median $13,860

34 permits in Baltimore

Central AC replacement

$6,290 to $12,020, median $8,530

204 permits in Baltimore

Furnace and AC together

$8,150 to $14,970, median $12,000

420 permits in Baltimore

West

Mini-split

$5,020 to $14,950, median $9,000

8,409 permits in Seattle

Central AC replacement

$7,430 to $11,610, median $8,880

1,026 permits in Seattle

Furnace and AC together

$7,470 to $17,390, median $13,860

273 permits in Seattle