Mini split installation cost: one, two and three zones, by state
A two-zone mini split: about $6,100 to $7,600, typically $6,700. That's a new ductless split system, one outdoor unit with one, two or three indoor units, plus the contractor's overhead, profit and sales tax. A new electrical circuit, long line set runs, a condensate pump, taking out old equipment and permits are extra.
Anthony Hicks30+ years in construction. Updated November 5, 2026.
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What it costs
| Job | Cost |
|---|---|
| A one-zone mini split | $3,800 to $5,000 |
| A two-zone mini split | $6,100 to $7,600 |
| A three-zone mini split | $8,300 to $10,400 |
Totals include the contractor's overhead and profit (20%) and the state's average sales tax. Prices as of November 2026.
What’s in these numbers
Each total is a typical job, priced the way a contractor’s estimate is priced:
- A new ductless split system, standard efficiency: one outdoor unit and one, two or three indoor units, each indoor unit its own zone with its own temperature.
- Overhead and profit: 20%, the standard markup on a contractor’s estimate.
- Sales tax on the materials, at the state’s average rate.
Not in them: a new circuit or panel work, line set runs longer than standard, a condensate pump, taking out an old system, wall or ceiling patching, and permits.
How a mini split works
The outdoor unit connects to each indoor unit through a line set, the refrigerant lines, a drain and a control wire through a small hole in the wall. No ducts are needed, which is why mini splits suit additions, converted garages and older houses without ductwork. A mini split that heats as well as cools is a heat pump.
Like any heating and cooling equipment, the size comes from a load calculation: the residential code calls for equipment sized by ACCA Manual S from loads worked out with ACCA Manual J or another approved method (IRC M1401.3).
What moves the price
- Zones. Each indoor unit adds equipment and a line set.
- Efficiency. High-efficiency systems cost more than these standard ones.
- Line runs. The farther the indoor units are from the outdoor unit, the more line set and labor.
- Where you live. Pick your state in the box above.
Common questions
How much does it cost to install a mini split?
About $3,800 to $5,000 for a one-zone system, typically $4,250.
How much is a two-zone mini split installed?
About $6,100 to $7,600, typically $6,700.
How much is a three-zone mini split installed?
About $8,300 to $10,400, typically $9,100.
Mini split or central heat pump?
A central heat pump sends air through ducts to the whole house; a mini split conditions each zone directly. The heat pump installation cost guide prices a ducted system.