I live in nothern Virginia and am about to install a new HVAC ystem for my home. I've been comparing the savings I would get if I installed a 3 ton Hybrid system with an 80% furnace, or if I went with a straight A/C and a 95% furnace. My gas bill is currently $250-$400 a month during the heating months, with $150-$200 electric. The summer brings lower gas bills but higher electric.
The cost of a %95 furnace is about $900 more than the hybrid not including venting work. I would like to recoup my $ investment over the years, with the confidence of efficiency and long life of the units. Any insight?