Use the $5,000 rule: multiply the unit's age by the repair quote — if the product is over $5,000, replacement usually wins. At 15 years, a repair over ~$350 fails the test. Also decisive: if your unit uses R-22 refrigerant (phased out), any refrigerant repair is money into a dying system — replace.
Common repairs run $150–$600 (capacitor, fan motor) up to $1,500–$2,500 (coil). Full system replacement in Philadelphia, PA typically runs $6,500–$12,000 installed.
If the unit is 15+, uses R-22, or the quote tops $1,000, get a second opinion before approving — this is the highest-pressure sales moment in home services.
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Data by Servik — verified local pros from official license records and public sources. Cost figures are typical ranges, not quotes; a pro's written estimate is the real number.