This is going to be very location specific. Definitely get more quotes or talk to frugal neighbors for recommended contractors. I just had this done to remove an old system and the new 3 ton HVAC system - AC, gas furnace plus all new insulated ductwork, permit, labor warranty - was $9,480 in average cost of living area. By paying cash I got a 3% discount. Also, check your gas/electric company for possible rebates. I'm getting an additional $500 rebate for installing a new efficient gas furnace.