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No, boilers and water heaters are not interchangeable because they serve different primary functions. Boilers are used for central heating systems, providing hot water or steam to heat your home. In contrast, a water heater's purpose is to supply hot water for daily household use, such as for faucets and showers. A water heater alone cannot supply the warm water or steam needed for a central heating system.

While they are not interchangeable, it is common to have both a boiler and a water heater. In fact, a conventional boiler often works best when a water heater system is already in place. The two systems can be combined to provide both heating and hot water, either by pairing a boiler with an indirect water heater or by installing a premade combination boiler-water heater unit. For home heating, some homeowners may also opt for a furnace instead of a boiler.

You should get anywhere from three to five quotes for HVAC replacement to get an idea of the average cost of a new unit. Although this quote-collecting process can be time consuming, it allows you to compare what work is required, what type of unit you should install, and how much you should expect to pay for the service.

You can use a boiler and a furnace, although it’s not common to use both for whole-house heating. For example, your furnace may take care of HVAC heating through your vents, while a boiler powers your floor-based radiant heating in the bathrooms. Mixing and matching like this gives homeowners a variety of heating possibilities.

Warmed or cooled air can escape your home through drafty windows and doors. If you notice any gaps, be sure to caulk and seal them. You can also hire a local pro for an energy audit to get a list of energy-saving recommendations. 

Finally, check your insulation. It can settle in over time and become less effective. The Environmental Protection Agency (EPA) estimates that you can save an average of 15% on heating and cooling costs (or 11% of total energy costs) by sealing leaks and making sure attics, crawl spaces, and basements have a nice layer of insulation.