I have an old 80% furnace and a/c. 20+ years old. Had the hvac company out today for annual maintenance on the a/c and it's low on refrigerant. The guy said its between 1 and 3 pounds low. It is unusually cool here, it was in the 50s this morning while he was here. I've never had to add refrigerant, and have not been told it's low in the past. It uses R22. The wrench in the mix here is I have been planning to replace the furnace and AC in 2024. I do not run the ac 24/7, but only when I'm uncomfortable, and I run cold. I will also run it for the 4th of July to help with fireworks noise. That sort of thing.
I could add refrigerant. This obviously costs money, and right now the max cost I know of is $600 (assuming needs 3 lbs). I can call other places for quotes, but realistically R22 is being phased out so its going to cost more.
I could leave it alone. It might freeze up, which could cause bigger problems and turn into an emergency.
I could move up my time frame for replacement and replace this year.
Bigger picture, I was planning on replacing both units in 2024. They're old, I know this. I had thought to research heat pumps and see if they were going to work for my house and climate. If not, then figuring out what kind of adjustments would be needed for a more efficient furnace and ac.
I live in Indiana. My temps range from hot and humid (100F is possible, more is possible but extreme) down to bitter cold (lowest temp since I bought the house was -20F). "Normal" is 80s/low 90s in the summer, 20s/30s in the winter.
----Ramblings.
I would prefer not to add refrigerant to the existing system. Maybe because it's June and I'm wearing a fleece and still cold, but I'm not loving the idea of spending a ton of money on fixing something that I'm going to replace in a year.
I don't know enough about HVAC to judge the risks here. I know that the ac could freeze up, I know that if it does and then melts all over the furnace then that could damage the furnace. I don't know how likely any of this is.
Heat pumps. I like the idea of them. I'm not convinced it'll work for my house. My house is old. I have good attic insulation, but no wall insulation and I can't do blown in. Air sealing is decent, but it's an old house. A less efficient house means I need my heating in the winter to be able to keep up. I have no concerns with a heat pump down to the 30s and I'm pretty sure it'll work down to 0. But I have to plan for -20. A heating system that fails when you most need it is not acceptable. So that means that a heat pump plus backup might work, because I wouldn't be relying entirely on a heat pump when it gets cold. However, I don't know what "backup" means in this case - electric heat? Expensive and inefficient. Gas furnace? Seems overkill, plus expensive. I also have longevity questions on a heat pump, and practical access to technicians. I'm not sure I could get service or repair in a timely manner, the hvac companies in my area haven't embraced heat pumps yet. And what about parts? Are they widely and consistently available? Plus, operating in more extreme conditions is going to be rougher on equipment, so I would expect that my average 20s/30s winters would cause more wear and tear than somewhere a bit warmer.
There's also supply to be concerned with. I know there were backlogs due to supply chain issues, and while I'm sure it's improved there's also the new(er) tax credits out which won't help. Can I realistically move forward with replacement in the next few weeks? I don't know My original plan was to do the replacement as a routine item so I could schedule and if there were supply issues it would be fine. I don't know how the market is right now.
Financing: I just spent a massive portion of my "defined available" savings on a big family trip, there isn't enough left to cover new hvac. There's plenty of money in my emergency fund or other savings, or I could get financing. So money is fine, I'm just cheap.
Obviously, I'm not sure what to do. While I'm watching HVAC youtube videos because I just need more general knowledge, I would appreciate hearing from everyone here.