Repair or Replace? How to Know When It's Time for a New AC System

Your AC breaks down, and you're faced with the question every homeowner dreads: should I repair it one more time, or is it time to invest in a new system? It's not always a straightforward answer, but here are the key factors that will help you make the right decision for your home and budget.

The $5,000 Rule

Here's a simple formula used by HVAC professionals: multiply the age of your system by the cost of the repair. If the result is more than $5,000, replacement is usually the smarter investment.

For example: Your system is 12 years old and needs a $450 repair. 12 × $450 = $5,400. In this case, replacement makes more financial sense.

Signs It's Time to Replace

• Your system is 10-15 years old — The average AC lifespan in South Florida is 10-15 years due to the heavy workload. Systems older than 15 years are living on borrowed time.
• Frequent repairs — If you're calling for repairs more than twice a year, those costs add up fast. A new system comes with a warranty and years of trouble-free operation.
• Rising energy bills — If your bills keep climbing despite no change in usage, your system is losing efficiency. Modern systems can be 30-50% more efficient.
• Uses R-22 refrigerant (Freon) — R-22 has been phased out and is extremely expensive. If your system uses R-22, replacement is inevitable.
• Uneven cooling — Hot spots, rooms that won't cool, or constant temperature swings indicate your system can no longer handle the load.
• Excessive noise or humidity — Modern systems run quietly and include better dehumidification features critical for South Florida.

When Repair Makes Sense

• Your system is under 8 years old — Younger systems are worth repairing, especially if they're still under warranty.
• The repair is minor — Capacitor replacements, thermostat issues, and clogged drain lines are affordable fixes that extend your system's life.
• It's a one-time issue — If your system has been reliable and this is its first major repair, fixing it is usually the right call.

The Real Cost of a New System

While a new AC system is a significant investment (typically $5,000-$12,000 installed in South Florida), consider the long-term savings:

• Energy savings — A new high-efficiency system can save $500-$1,200 per year on energy bills.
• Fewer repairs — New systems come with manufacturer warranties (5-10 years) and require minimal repairs.
• Better comfort — Modern systems offer better humidity control, quieter operation, and more even cooling.
• Home value — A new AC system increases your home's resale value.
• Financing available — Most HVAC companies offer financing to make the investment manageable.

What to Look for in a New System

If you decide to replace, here's what matters for South Florida homes:

• SEER2 rating of 16 or higher — Higher SEER means greater efficiency and lower bills. The minimum in Florida is 15 SEER2.
• Variable-speed or two-stage compressor — These provide better humidity control and efficiency than single-stage units.
• Proper sizing — An oversized system short-cycles and doesn't dehumidify. An undersized system runs constantly. A professional load calculation is essential.

Get a Free Estimate

Not sure whether to repair or replace? SoFlo Cooling offers free, no-obligation estimates for new system installations. Our technicians will assess your current system, discuss your options, and help you make the best decision for your home and budget. Request your free estimate today.