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HVAC

Furnace Cost in St. Paul, MN

Average Cost:

$6,300 - $11,300

Homeowners can expect furnace replacement costs to range from $6,300 to $11,300 installed in St. Paul, MN. Your final cost depends heavily on installations details like what size furnace you need, ductwork changes or repairs, and labor cost.

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Published: Oct 22, 2025 · Written By: Sara Kendall · Reviewed By: Catie Bonner

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We help homeowners make confident decisions through our reliable, up-to-date, and unbiased information and average project costs. All of our content is thoroughly reviewed and fact-checked by our team of home improvement experts. Learn more about how we maintain these values.

  1. Cost of a New Furnace (Plus Installation) in St. Paul
  2. Average Cost of New Furnace in St. Paul – Table
  3. HVAC Permitting in St. Paul
  4. Utility Rebates Serving St. Paul
  5. Labor and Market Context to Know
  6. St. Paul Climate and Furnace Sizing
  7. Compare Local Quotes
  8. Methodology and Sources

Cost of a New Furnace (Plus Installation) in St. Paul

Most St. Paul homeowners spend $6,300–$11,300 installed on furnace replacement. Your final cost depends on furnace capacity, AFUE rating, permit rules, and any duct or venting adjustments.

Below, we cover what impacts this cost so that you have a better idea of how much your own replacement might cost. You can also use Modernize’s HVAC cost calculator.

Average Cost of New Furnace in St. Paul – Table

Furnace Cost Installed in St. Paul, MN
PackageWhat’s IncludedTypical Total
80k BTU, 95% AFUE, single-stageStandard swap, duct patch, permit/inspection$6,300–$7,800
100k BTU, 97% AFUE, variable-speedUpgraded PVC vent, condensate, smart stat, permit$8,700–$11,300

Costs vary depending on crawlspace access, vent path, liner work, gas-piping runs, electrical upgrades.

Terminology You Should Know

  1. When comparing furnaces, the BTU rating indicates how much heat the unit can deliver to your home each hour — think of it as furnace “horsepower.” You can use Modernize’s furnace size calculator to a get a ballpark estimate for what BTU capacity you may need.
  2. AFUE percentages describe efficiency: a 97% AFUE furnace turns nearly all the gas it burns into heat, reducing waste and bills.
  3. Furnace staging describes how the unit runs: a single-stage is either on or off, while variable-speed systems adjust their burn rate for smoother heating and fewer swings in temperature.

HVAC Permitting in St. Paul

  • Permit required? Yes, all furnace replacements or new furnace installations require a permit.
  • Issuing authority: Department of Safety & Inspections (DSI). Their PAULIE platform lets you apply for the permit, track its status, and communicate (if needed) with staff, all online.
  • Fee range: ~$75–$200.
  • Inspection required: Yes — final mechanical inspection is required once the furnace is installed.
  • Processing time: Many permits clear within 1–2 business days for direct swap jobs (meaning, for example, you are replacing one gas furnace with another gas furnace).

A photo of a black house with lights on in all the windows. Snow is covering the roof and ground.

Utility Rebates Serving St. Paul

Utility Companies We Checked For Furnace Rebates

  • Xcel Energy
  • CenterPoint Energy

We checked these providers’ websites in October 2025. This section will be updated next in November 2025, and it will continue to be updated monthly during heating season. Once heating season ends, this section (along with the rest of the page) will be updated quarterly.

Available Rebates and Incentives

Smart thermostat bonuses, income-qualified enhancements, and federal §25C credits often stack. Make sure to explore all of them for the best savings.

Labor and Market Context to Know

  • Average billable HVAC labor: $90–$125 per hour
  • Labor share per install: About $2,900–$4,300 of a $6,300–$11,300 furnace project
  • Seasonality: Installers book up fast in December–February. If you are able to schedule before or after winter, you’ll likely find lower prices and quicker turnaround times to get your unit installed.

St. Paul Climate and Furnace Sizing

  • Heating degree days (HDD): ~8,200. A higher HDD like this means homes need more heating fuel and larger-capacity furnaces to stay comfortable in winter.
  • Elevation: ~700–800 ft. At this elevation, equipment operates normally without modifications; derating only comes into play at much higher altitudes.
  • Sizing: 80k–120k BTU furnaces are typical for mid-sized homes in St. Paul.

Compare Local Quotes

We recommend getting at least three quotes to compare terms, warranties, and line items.

You can find St. Paul HVAC contractors right here on Modernize. You can read reviews, find available promotions, and read frequently asked questions for your area.

If you’d rather have Modernize do the research for you, you can click the button below and answer a few questions about your project to be matched with up to four contractors in our network for free quotes.

Methodology and Sources

  • Local data blend: Ramsey County installs/leads + quotes.
  • Permits: St. Paul Department of Safety & Inspections (DSI); mechanical permit median included.
  • Sources: St. Paul DSI; Xcel + CenterPoint; OEWS; EIA; NOAA HDD.

How We Calculate Costs

  • Installed cost band = (equipment in SKU band) + (crew-hours × local fully-loaded wage) + (permit/inspection median) + (typical materials & disposal) + (standard overhead & profit).
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