Iowa HVAC Match
Snow-covered gabled roof of a dark house during a heavy snowstorm.

Furnace Installation in Waterloo, IA

A new furnace here will run from October through May every year. Tell us about the house, and a licensed contractor who covers Black Hawk County will get in touch.

Tell us about the job

It takes about a minute.

Step 1 of 3: Equipment
An unfinished basement featuring a forced-air furnace, exposed wooden ceiling joists, bare concrete walls, and miscellaneous items including cardboard boxes and coiled cables on the floor.

What a Waterloo winter asks of a new furnace

Your furnace has to carry the house from October through May here, eight months of the year. Winter nights average 13°F, and on the coldest ones the burner is running most of the night to keep up. Most homes in the area heat with gas.

A new gas furnace installed today has to meet the federal minimum of 80 percent AFUE. That is the floor, not a target, and it matters most on the nights the house needs heat for hours at a stretch without a break.

8 months
October through May, your furnace is on duty
13°F
the average winter night it heats against
63%
of homes here heat with gas, so most furnaces here burn gas
80% AFUE
the federal minimum any new unit must meet
Isometric cutaway illustration of a single-story house showing a gray furnace connected to white ductwork and a flue pipe extending through the shingled roof, with simplified furniture in the interior rooms.
Your furnace works hardest from November through March.

NOAA nClimDiv, 1991–2020 normals

A gray forced-air furnace with metal ductwork stands in an unfinished basement with exposed wooden joists, concrete walls, and a single hanging light bulb.

A high-efficiency gas furnace would save about $100 a year to run in Black Hawk County compared with a gas furnace.

  • A high-efficiency gas furnace$470 a year
  • A gas furnace$570 a year

Estimates for a typical Black Hawk County home, from EIA household energy data, Iowa fuel prices and NOAA climate normals. Your home will differ.

Iowa requires HVAC contractors to hold a state license.

Iowa licenses HVAC contractors through the Iowa Plumbing and Mechanical Systems Board. The license is issued to the contractor, not the job, so it stays tied to their name and record no matter how many furnaces they install.

On a furnace installation, the gas connection is the part that has to be right, since a bad one is what makes the job dangerous. In most cities and counties, this work also needs a permit from the local building office and an inspection once it's done, which checks that connection separately from the contractor's license. In Black Hawk County, 63.4% of homes heat with gas, so that inspection is doing real work here.

Sources: Iowa Legislature · Iowa Department of Inspections, Appeals and Licensing

What size furnace does my house need?
The right size depends on your home's square footage, ceiling height, insulation, window count, and layout, so there's no single number that fits every house. A contractor works this out with a load calculation, not a guess based on your old unit's size. Putting in a furnace that's too big or too small for the house wastes fuel and wears out faster, so this step matters more than picking a brand.
How do I know it's time to replace my furnace?
If your furnace is breaking down more than once a season, or a repair is going to cost close to what a new one would, replacement usually makes more sense. Watch for uneven heat between rooms, a furnace that runs longer to reach the same temperature, or a rise in gas bills that isn't explained by colder weather. Age matters too. Since homes here need heat from October through May, a furnace nearing the end of its life is more exposed here than in places with a shorter heating season.
Is a high-efficiency furnace worth it?
It depends on how long you plan to stay in the house and how much you're paying to heat it now. Any non-weatherized gas furnace made since November 2015 already has to hit at least 80 percent AFUE, so the real comparison is between that baseline and a high-efficiency model rated well above it. With winter nights here averaging 13°F and heat needed eight months a year, a furnace here runs a lot more than one in a milder climate, so efficiency gains add up faster. A contractor can walk through the actual models and what each one would mean for your house.