Why This Question Matters to Homeowners
When your air conditioner stops working, it’s tempting to just repair and move on. But if your AC is 20 years old, the decision merits careful thought. At this age, your system likely:
- Has declining efficiency and less reliable performance
- Uses outdated refrigerant (R‑22) that’s costly and phased-out
- Is near the end of its lifespan, bringing increased repair frequency
How Long Are AC Systems Meant to Last?
Most air conditioners run reliably for 15–20 years—but longevity depends on maintenance and usage. According to HVAC experts:
- 9 years and younger: Most units still have strong life ahead.
- 10–13 years: Wear starts, but units in good shape can last.
- 14–20 years: You’ve reached the average—repairs now usually mean the end of the line.
Pro Tip: A unit that’s been regularly serviced is more likely to last into the high teens or low 20s. But even the best-maintained system will eventually show age.
The True Cost of Aging: Energy Efficiency & Refrigerants
SEER and AFUE Ratings – What They Mean
- SEER (Seasonal Energy Efficiency Ratio) measures cooling efficiency.
- 20‑year‑old units typically have SEER 8–10.
- Modern systems start at SEER 14 and can go up to SEER 25.
- That means you could cut electricity use by 25–50% with an upgrade.
- AFUE measures heating efficiency (for your furnace).
- Older furnaces (20+ years) often have 60–78% AFUE.
- New models reach 90–98% AFUE, saving up to 33% annually on heating.1
The R‑22 Refrigerant Problem
Older units often use R‑22 refrigerant, which manufacturers have legally phased out. This refrigerant has become expensive and scarce, making even minor repairs expensive.
Real consequence: A small R‑22 leak could cost hundreds—thousands—to top off.
Repair or Replace? The Decision Matrix
1. Age of the Unit
- <10 years: Usually worth repairing if needed.
- 10–13 years: Maybe repairable—if it’s been well-maintained.
- 14–20+ years: Any major failure likely means replacement is smarter.
2. Repair vs. Replacement Cost
The 50% Rule:
If the repair is more than half the cost of a new unit, go for replacement.
The $5,000 Rule:
Multiply repair cost × age of unit.
Example:
- $600 repair × 20 = $12,000 → Replace
- $400 repair × 10 = $4,000 → Repair
3. Breakdown Frequency
- Less than once/year: A single fix might be OK.
- Once/year or more: Frequent repairs = time to replace.
4. Rising Energy Bills or Comfort Issues
- If your cooling costs have risen steadily…
- Or your home has uneven temperatures or feels humid…
- These are red flags your AC is struggling and a new system is probably worth it.
5. Maintenance History
- Regular tune-ups and care? Your system may have life left.
- Neglected unit? Repairs now are playing with fire.
6. Your Homeownership Goals
- Moving soon? A patch-up could be enough.
- Staying long-term? A new, efficient unit brings real value (comfort + savings).
Warning Signs You Can’t Ignore
Above and beyond age, pay attention to these symptoms:
- Frequent Breakdowns
- Strange Noises – Grinding, squealing, or banging.
- Odd Smells – Musty scents = possible mold.
- Poor Cooling or Humidity – Weak airflow or uneven temps.
- Energy Bills on the Rise – Even if nothing else has changed.
The Benefits of a New AC System
When you upgrade, you get more than a working AC:
| Benefit | Why It Matters |
| Lower Energy Bills | Save 25–50% on cooling costs, and up to 33% on heating with new furnaces¹. |
| Better Comfort | Consistent cooling, better air circulation, and humidity control. |
| Improved Air Quality | Modern air filters capture more allergens and pollutants. |
| Peace of Mind | New unit + warranties = fewer surprises. |
| Environmental Friendlier | No R‑22, better refrigerants, smaller carbon footprint. |
| Available Rebates | Utility and government incentives to offset purchase price. |
What a Real Scenario Looks Like
Imagine two homeowners dealing with a 20‑year‑old AC:
- Homeowner A: Pays $600 for repairs.
- 600 × 20 = $12,000 → they replaced the unit.
- Energy bills dropped 30% and they received a rebate = payback in under 3 years.
- Homeowner B: Needs a $300 fix on a 15‑year‑old unit.
- 300 × 15 = $4,500 → under $5,000, so they repaired.
- Unit’s in good shape and they plan to sell the home soon.
What to Do Now
- Gather Information
- Age of AC and furnace
- Last maintenance date
- Approximate repair cost
- Do the Math
- Apply the 50% and $5,000 rules
- Check how often repairs happen
- Check Performance
- Compare current energy bills to past years
- Note any comfort issues
- Check Warranty or Permits
- Some areas offer incentives for high‑efficiency HVAC upgrades
- Check your warranty coverage
- Decide on Repair or Replace
- For moves or very light repairs — repair
- For long-term living or major breakdowns — replace
- Call CallOurPlace.com
- Our certified technicians will:
- Inspect your system fully
- Give you personalized options (repair estimate vs. replacement plan)
- Help you claim rebates and calculate long-term savings
- Our certified technicians will:
Frequently Asked Questions
Q: Is it worth repairing a 20-year-old AC?
Mostly no—as the unit nears 20 years, repairs are short-term fixes. If it’s a minor issue and you’re moving soon, it may be worth it. Otherwise, replacement is the smarter choice.
Q: Can I keep running a 20-year-old AC?
Yes, if it’s in good shape—but expect high energy bills and a looming failure. Plan now.
Q: How much will I save by upgrading?
You could save 25–50% on cooling costs and up to 33% on heating, plus avoid future repair bills.1
Why Choose CallOurPlace.com?
- Expert HVAC Technicians – Certified professionals who respect your home.
- No‑Pressure Quotes – We give clear options, so you choose confidently.
- Local & Trusted – We’ve served [your region] for over 20 years.
- Full Service – From repair to replacement, we provide start-to-finish support.
- Rebate Assistance – We guide you through claiming local and federal incentives.
In Closing: Comfort, Clarity & Confidence
Deciding whether to fix or replace a 20‑year‑old AC unit is complex—but with the right information, it becomes clear. If your system shows age, frequent issues, high bills, or R‑22 use—and especially if you’re staying in your home long-term—replacing with a new, efficient unit offers better value, comfort, and peace of mind.
At CallOurPlace.com, we’re here to help you every step of the way.
Get your free, no-obligation, on-site estimate today, and start enjoying reliable, efficient comfort.