Computed decision comparison
Mini-split vs central air cost
The modeled upfront totals are $9,840 for Mini-split and $11,183 for Central air scope proxy, a difference of $1,343.
The mini-split record defaults to two zones. The central-air side uses the one-system general HVAC replacement record, so capacity and duct scope must be reconciled in a proposal.
Side-by-side upfront cost
| Measure | Mini-split | Central air scope proxy |
|---|---|---|
| Materials | $5,553 | $6,620 |
| Labor | $3,887 | $3,887 |
| Permits | $250 | $425 |
| Disposal | $150 | $250 |
| Planning range | $7,380–$13,284 | $8,387–$15,097 |
| Typical upfront total | $9,840 | $11,183 |
Mini-split derivation: Two-zone mini-split default. Central air scope proxy derivation: One-system HVAC replacement default.
Upfront, 10-year, and 20-year totals
| Horizon | Mini-split | Central air scope proxy |
|---|---|---|
| Upfront | $9,840 | $11,183 |
| 10 years | Not modeled: no sourced lifespan | Not modeled: no sourced lifespan |
| 20 years | Not modeled: no sourced lifespan | Not modeled: no sourced lifespan |
When each model aligns with the decision
| Decision priority | Model comparison | Aligned option |
|---|---|---|
| Lower modeled upfront total | Difference $1,343 | Mini-split |
| Lower labor share | 39.5% vs 34.8% | Central air scope proxy |
| Narrower published range | 1.80× vs 1.80× | Mini-split |
This table compares model properties; it does not recommend a material, system, repair, or replacement.
Open the underlying calculators
Comparison questions
Which option has the lower modeled upfront cost?
Mini-split is lower in the current static default by $1,343. This compares model records, not contractor proposals.
Are 10-year and 20-year replacement costs included?
No sourced lifespan field exists in the shared baseline store, so the site does not invent replacement cycles. Those horizon cells remain explicitly not modeled.
Do both options use the same source system?
Yes. Both are computed from the current baseline store and index snapshots. Any proxy, quantity normalization, or retained legacy factor is disclosed beside the option.