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For most systems, an annual HVAC system service is more than enough. Some homeowners prefer a twice-a-year visit to ensure the system is ready for the upcoming summer and winter seasons. If you need to call an HVAC pro more often than this, it may be time to check if your system is getting old enough for a replacement.

Costs depend on system age, type, labor, and whether part replacements are necessary.

You can expect a geothermal system to last for years. According to the Department of Energy, the underground infrastructure for the heat pumps lasts about 25 to 50 years, which includes the pipes buried in the soil. The actual heat pump itself has a life span of around 25 years.

The most obvious downside is the high upfront cost of buying and installing one of these systems. Additionally, sometimes the system can take a longer time to heat than alternatives like a boiler. Also, if something goes wrong with the geothermal pump, repairs are often significantly more expensive than repairing traditional, above-ground heat pumps.