Choosing the right heating and cooling setup is a big decision for any homeowner. In Toronto and the GTA, many homes use a gas furnace with central air conditioning, while heat pumps are becoming more popular.
This guide compares heat pumps with a traditional furnace and AC combination to help you decide which option fits your home and budget.
How Each System Works
Understanding the basics of each system makes it easier to compare them.
- Furnace + Central AC
A furnace burns fuel or uses electricity to create heat and then blows that warm air through ducts in winter. A separate outdoor AC unit removes heat from indoors and releases it outside in summer. - Heat Pump System
A heat pump moves heat instead of generating it. In heating mode, it pulls heat from outside air and transfers it indoors. In cooling mode, it works like an air conditioner, moving heat from inside your home to the outdoors.
Pros and Cons for Toronto’s Climate
Toronto experiences cold winters and warm, humid summers, so year‑round performance is important.
- Furnace + AC – Pros
Provides strong, reliable heat during very cold weather. Many homes are already set up with ductwork and gas lines, making replacement straightforward. - Furnace + AC – Cons
You have two separate pieces of equipment to maintain. Older systems may be less efficient and use more energy than newer options. - Heat Pump – Pros
Offers both heating and cooling in one system. Can be very energy‑efficient in milder temperatures and may reduce energy use in spring and fall. - Heat Pump – Cons
Efficiency can drop in very cold weather, so many homes still need a backup heat source. Upfront installation cost can be higher, especially if you are changing from a different setup.
Upfront Cost vs Long‑Term Savings
Both options involve equipment and installation costs, but they can differ in long‑term operating expenses.
- Initial Investment
Replacing an existing furnace and AC with similar equipment may have a lower upfront cost, especially when the home already has suitable ductwork and gas service. - Operating Costs
A high‑efficiency furnace and properly sized AC can keep bills reasonable, while a well‑designed heat pump system may offer additional savings in mild weather. - Maintenance and Lifespan
Both systems require regular maintenance. Discuss expected lifespan and warranty coverage with your HVAC professional so you can plan for future replacement.
Which Option Is Right for Your Home?
The best choice depends on your home, comfort preferences and budget. There is no single solution that fits everyone.
Here are some points to consider:
- Do you already have ductwork and a relatively new furnace or AC?
- Are you more concerned about upfront cost or long‑term efficiency?
- Do you want a single system that provides both heating and cooling?
- Are there any rebates or incentives available in your area for high‑efficiency equipment or heat pumps?
An experienced HVAC professional can review your current setup, discuss your goals, and recommend whether a furnace with AC, a heat pump, or a hybrid approach will work best for your Toronto home.