How Much Does a Refrigerated Air Conversion Cost?

October 25, 2025 By: One Way Heating & Cooling

For homeowners tired of swamp coolers that can’t keep up with rising summer temperatures, converting to refrigerated air is a game-changing home upgrade. It’s one of the most effective ways to improve indoor comfort and cooling efficiency, especially in hot, arid climates like New Mexico and the surrounding Southwest.

But before making the switch, it’s important to understand what you're really investing in. The question at the top of everyone's list is: how much does a refrigerated air conversion actually cost?

In 2025, the average cost to convert from evaporative cooling to refrigerated air ranges from $8,500 to $18,000. That wide range exists because no two homes are exactly alike, and a number of key variables come into play—everything from the square footage of your home to the condition of your ductwork and electrical system. Let’s dive into what drives the cost and what you should expect during the conversion process.

Why More Homeowners Are Converting to Refrigerated Air

Evaporative coolers, or swamp coolers, have long been a go-to option in dry regions. They’re inexpensive to run and relatively simple systems. However, they come with major limitations—especially when temperatures rise and humidity levels fluctuate.

Unlike swamp coolers that rely on evaporating water and require windows to remain cracked open for airflow, refrigerated air conditioning uses a closed-loop refrigerant system to circulate consistently cooled air. This sealed design helps control indoor air temperature far more efficiently and keeps out dust, pollen, and pollutants—something evaporative systems struggle with.

Homeowners often make the switch for better temperature control, improved indoor air quality, and higher energy efficiency. Plus, many find the investment pays off in long-term utility savings and increased property value.

Factors That Affect the Cost of Refrigerated Air Conversion

Home Size and Cooling Load

The larger the home, the more powerful the air conditioning system needs to be to keep the temperature consistent throughout the space. Square footage plays a major role in determining the required tonnage of the unit and how extensive the ductwork might need to be. Larger homes may even require zoning systems or multiple units to effectively cool the entire structure.

Electrical Panel Upgrades

Swamp coolers don’t demand much electricity. A standard 120V outlet is usually enough to power them. Refrigerated air units, on the other hand, often need a 220V line and significantly more amperage. Older homes built with 100-amp electrical panels may require an upgrade to 200 amps to handle the additional load.

Upgrading an electrical panel isn’t always required, but when it is, it adds a few thousand dollars to the overall cost. This is not just a matter of convenience—it’s a safety necessity and ensures the new HVAC system runs efficiently without tripping breakers or damaging circuits.

Ductwork Condition and Modifications

If you’re already using forced air for heat, your home likely has ductwork in place. But just because ducts exist doesn’t mean they’re compatible with refrigerated air systems. In some cases, the existing duct layout may be too small, poorly insulated, or leaking conditioned air.

If ductwork needs to be resized, resealed, or fully replaced, that will significantly influence the conversion price. Homes without any existing duct system (such as those previously using radiant heating) will require entirely new duct installations or an alternative like ductless mini-splits.

Type of System Installed

There are multiple types of refrigerated air systems to choose from, and the choice will impact the total cost. The most common are traditional split systems, where the condenser sits outside and the air handler or furnace is indoors. These are reliable and suitable for most homes.

Packaged units are another option, typically used in smaller homes or homes with limited indoor space. They house all the components in one outdoor unit. Ductless mini-split systems are becoming increasingly popular, especially for home additions or homes without ducts, but they come with their own pricing structure and installation considerations.

Energy Efficiency Ratings

Energy efficiency matters not only for operational costs but also for upfront equipment pricing. Units are rated by SEER2 (Seasonal Energy Efficiency Ratio), and higher-rated units offer greater energy savings over time. However, the more efficient the system, the more you’ll pay at the time of installation.

A mid-range SEER2 unit will cost less up front, but high-efficiency models with SEER2 ratings above 16 can save hundreds annually on your energy bills, particularly in hot climates where air conditioning is used frequently.

Installation Complexity and Labor

Every home presents unique installation challenges. Flat roofs, multi-story layouts, limited attic access, or tight crawl spaces can increase labor time and costs. The more complex the installation, the longer the process and the higher the price tag. Additional tasks, like installing new thermostats or removing old equipment, may also increase labor hours.

Permit and Inspection Requirements

Most municipalities require HVAC permits for new installations or major system changes. In areas like Albuquerque and Santa Fe, strict building codes ensure all systems meet safety and performance standards. Permit costs vary by city and county and are typically added to the final invoice.

Is It Worth the Investment?

While the upfront cost of converting to refrigerated air can feel significant, many homeowners find it pays off quickly in terms of comfort, energy efficiency, and even home resale value.

With rising temperatures and longer summers, refrigerated air is no longer a luxury—it’s becoming a necessity. Homebuyers often prioritize homes with central air systems, especially in markets where swamp coolers are still common. That makes this upgrade a potential selling point down the line, in addition to delivering a noticeable improvement in day-to-day comfort.

With better control over humidity, quieter operation, and programmable thermostats, refrigerated air systems deliver a level of convenience and performance that swamp coolers simply can’t match.

How to Get the Most Accurate Price

Since the cost of converting to refrigerated air varies widely depending on the factors mentioned above, the best way to get a realistic quote is by scheduling an in-person estimate with a qualified HVAC contractor. At One Way Heating and Cooling, we provide thorough, personalized assessments tailored to your home’s specific needs.

During a consultation, our licensed HVAC technicians will inspect your current system, measure your home’s cooling load, assess the condition of your ductwork and electrical system, and recommend a solution that fits your comfort goals and your budget. Our pricing is always upfront, transparent, and fair—no surprises.

Financing Options Available

We understand that converting to refrigerated air is a big investment. That’s why One Way Heating and Cooling offers flexible financing options that make the process affordable for more families. With approved credit, you can install your new system now and pay over time with monthly plans that fit your financial situation. Some plans even include deferred interest or low monthly payments.

Financing allows homeowners to upgrade their comfort without draining their savings, and with energy-efficient systems, monthly utility savings often help offset the payments.

Take the Next Step Toward Comfort

If you’ve been considering a refrigerated air conversion, there’s never been a better time to take action. With energy costs on the rise and summers becoming more intense, investing in a high-efficiency cooling system gives you peace of mind, improved air quality, and total control over your indoor climate.

At One Way Heating and Cooling, we’re proud to be a trusted HVAC provider serving Albuquerque and surrounding areas. Our experienced team specializes in refrigerated air conversions and takes pride in doing the job right the first time. From initial estimate to final inspection, we’re here to make the process smooth and stress-free.

Reach out today to schedule your free in-home estimate. Let’s discuss your goals, evaluate your current system, and build a custom plan that makes refrigerated air a reality for your home.

Upgrade your comfort with a professional refrigerated air conversion from One Way Heating and Cooling—where your comfort is our commitment.