The $5,000 rule is an industry-accepted rule for determining whether to repair or replace an HVAC system. Multiply the age of your equipment by its estimated repair cost. If the outcome is under $5,000, you should probably repair it. If over $5,000, you should replace it.
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This calculation is provided as general guidance only. Always consult a licensed HVAC professional to ensure you are making the best decision for your situation.