Furnace replacement quotes vary on five real variables: efficiency tier (80% vs. 95%+), staging (single, two-stage, modulating), venting changes, ductwork corrections, and brand/warranty. Understanding them lets you compare quotes line-by-line instead of by bottom line.
Written & reviewed by the Midwest Comfort Heating & Cooling service team · Updated July 2026
Which spec decisions move the price most?
Efficiency tier is the first fork: an 80% AFUE furnace vents through the existing metal flue; a 95%+ condensing furnace costs more and needs PVC sidewall venting plus a condensate drain — but returns the difference in fuel over Iowa's long heating season. Staging is the comfort fork: single-stage is on/off; two-stage and modulating furnaces run longer and gentler, holding steadier temperatures with less noise. Variable-speed blowers add year-round efficiency (they also run your AC).
What hidden scope shows up in honest quotes?
- Venting conversion — switching from 80% to condensing requires new intake/exhaust runs; a flue shared with a water heater may need relining. This is real scope, not padding.
- Ductwork corrections — a right-sized modern furnace may expose undersized returns.
- Condensate management — condensing furnaces produce water that must drain (or pump) somewhere.
- Permits and inspection — mechanical permits are required for furnace replacement across Des Moines metro jurisdictions; a quote that skips permitting is a red flag, not a discount.
How should you compare two quotes fairly?
Line up: equipment model numbers (not just brand), AFUE, staging, blower type, warranty terms (parts AND labor, with registration requirements), what venting/duct/electrical scope is included, permit handling, and whether commissioning readings are provided. The cheapest bottom line often omits the scope the honest quote included. And any quote pushing a same-day signature discount deserves a second opinion on principle.
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