Mini-Split vs Central HVAC — Which One is Right for Your Home?

If you’re considering a new HVAC system, you’ve probably come across the term “mini-split.” But what is it, and how does it compare to traditional central air systems?

Let’s break it down so you can choose the right option for your comfort and budget.

What is a Mini-Split System?

Mini-splits (also called ductless systems) consist of an outdoor compressor and one or more indoor units. They provide both heating and cooling — all without ductwork.

Mini-Split Benefits

  • Energy Efficiency: Uses 30-40% less energy than central HVAC.

  • Zoned Comfort: Control temperature room by room.

  • Quick Installation: No ductwork, no major remodeling.

  • Rebates Eligible: Often qualify for up to $20K in rebates.

Central HVAC Overview

Central systems are common in large homes and use ducts to distribute air. They’re usually powered by gas or electric furnaces combined with an AC unit.

Central HVAC Benefits

  • Whole-Home Cooling/Heating

  • Lower Upfront Cost (for existing systems)

  • Hidden Infrastructure (no visible units)

Which is Right for You?

Criteria Mini-Split Central HVAC
Best for Older homes, apartments Large homes
Efficiency High Medium
Installation Time 1-2 days 3-5 days
Ductwork Needed? No Yes
Room-by-room control Yes No

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