It always seems to happen on the coldest night of the year: your furnace starts rattling, making strange noises, or simply stops working. In Iowa, where subzero temperatures are common, a failing furnace quickly turns into a serious problem for your home and family. If your system is showing signs of failure, you may be wondering if repair is enough or if replacement is the smarter move.
Schaal Electric, Plumbing, Heating & Cooling has been keeping Des Moines homes warm for more than 75 years, and we know the decision to replace a furnace is a major one. This guide breaks down what influences furnace replacement cost in our area, helping you make the right choice for your home and budget.
10 Signs Your Des Moines Home Needs a Furnace Upgrade
But age isn’t the only indicator, it’s how the system is performing. Here are common signs it may be time to schedule a replacement:
- The furnace is 10 years or older.
- Rising heating bill without a change in usage.
- Frequent repairs that are becoming costly.
- Cold spots in certain rooms of the house.
- Strange noises such as banging, rattling, or grinding.
- Inconsistent air humidity causing dry or clammy conditions.
- A thermostat that needs constant adjusting.
- Short cycling, where the furnace turns on and off frequently.
- Excess dust, soot, or debris around the furnace.
- Repairs that would cost more than half the price of a new unit.
If you recognize more than one of these issues, it’s worth having a professional inspection to determine if a new system will save you money in the long run.
Breaking Down Furnace Replacement Costs for Des Moines Homeowners
The national average for furnace replacement provides a starting point, but it doesn’t tell the full story. Costs in Des Moines depend on local factors like climate, fuel availability, and home size. A larger home requires a larger furnace which likely means a larger investment. Here are the main elements that determine what you’ll pay.
Furnace Type
Different fuel types come with different upfront costs and operating expenses. The following prices are what you might expect for a single equipment piece without the cost of labor or installation:
- Natural gas: The most common in Des Moines. Units typically cost $3,000 to $6,000, plus installation.
- Electric: Often less expensive upfront at $2,000 to $5,000, but operating costs may be higher over time.
- Propane: Similar to gas systems, but fuel costs can fluctuate seasonally. Units usually run $3,000 to $6,500.
- Oil: Less common locally, but still an option in some rural areas. Units average $4,000 to $7,000.
Efficiency (AFUE Rating)
AFUE (Annual Fuel Utilization Efficiency) measures how much heat the furnace delivers compared to the fuel it consumes.
- 80 percent efficiency furnaces: Entry-level models, lower upfront cost, around $3,000 to $4,500.
- 90 percent efficiency furnaces: Mid-range systems, higher savings potential, $4,500 to $6,000.
- 96 percent or higher efficiency furnaces: Premium models offering maximum energy savings, $6,000 to $8,500 or more.
Higher-efficiency systems cost more initially, but they lower energy bills significantly over the life of the unit, especially in Iowa’s long heating season.
Size (BTU Requirement)
Proper sizing is critical. Too small, and the furnace will run constantly without keeping up. Too large, and it will short-cycle, wasting energy. The right size depends on square footage, insulation, and your home’s layout.
- 1,200 sq. ft.: 36,000 BTUs
- 1,500 sq. ft.: 45,000 BTUs
- 1,800 sq. ft.: 54,000 BTUs
- 2,100 sq. ft.: 63,000 BTUs
Each step up in size increases furnace replacement cost. A professional load calculation is the best way to ensure accurate sizing for your Des Moines home.
Repair or Replace? Making the Smart Choice for Your Des Moines Furnace
When your furnace breaks down, repair might look like the cheaper option at first, but in many cases replacement delivers greater long-term value.
A simple repair might cost a few hundred dollars, while a new furnace requires a larger investment upfront. The “50 percent rule” helps guide the decision:
- If a repair costs more than half the price of a new furnace, replacement is the smarter move.
- If you’re scheduling repairs more than twice a year, replacement may save you money and stress in the long run.
Schaal Electric, Plumbing, Heating & Cooling technicians can help you weigh both options honestly and transparently, so you know exactly what to expect.
The Total Cost: What to Budget Beyond the Furnace Unit
The furnace itself is only part of the expense. Professional installation and supporting components add to the total cost. In Des Moines, installation typically ranges from $1,000 to $3,000. Homeowners should also budget for:
- Labor costs for certified technicians
- Ductwork modifications or repairs
- A new thermostat, including smart models that improve efficiency
- Permits and inspection fees, which may be required locally
- Removal and disposal of the old unit
Factoring in these expenses helps you plan realistically for your furnace replacement project.
Ready for a Furnace Replacement Quote?
Replacing your furnace is a major investment, and the right guidance can make the process simple and straightforward. Schaal Electric, Plumbing, Heating & Cooling has served Des Moines families for over 75 years with dependable service backed by NATE-certified expertise.
We offer free estimates, so you’ll know exactly what a furnace replacement will cost for your home. Our team will evaluate your system, consider details like insulation and ceiling height, and recommend the best solution for long-term comfort. Financing options are also available to make your upgrade easier.
Don’t wait for a complete breakdown in the middle of winter. Contact Schaal Electric, Plumbing, Heating & Cooling today for a furnace replacement quote and enjoy peace of mind knowing your home will stay warm all season long.