Mini-Split vs Central AC: Which is Right for Your Home?

Two Great Options, Different Applications

Both central AC and mini-splits can cool your home effectively, but they excel in different situations. Here's how to choose.

Central Air Conditioning

How It Works

Central AC uses a network of ducts to distribute cooled air throughout your home. One outdoor unit and one indoor unit cool the entire house.

Pros

• Cools entire home evenly
• Hidden installation (just vents visible)
• Generally lower cost for whole-house cooling
• Single thermostat controls everything
• Adds to home resale value

Cons

• Requires existing ductwork or new duct installation
• Energy lost through duct leaks (15-30%)
• All-or-nothing cooling (can't zone without dampers)
• Larger outdoor unit

Best For

• Homes with existing ductwork
• Large homes that need whole-house cooling
• Buyers who prefer hidden equipment
• New construction

Ductless Mini-Splits

How It Works

Mini-splits have one outdoor unit connected to one or more indoor units mounted on walls or ceilings. Each indoor unit cools its own zone independently.

Pros

• No ductwork needed
• Zone control (cool only rooms you use)
• Extremely energy efficient (20+ SEER)
• Quiet operation
• Each room can be different temperature
• Heat pump option available

Cons

• Indoor units are visible
• Higher cost per zone
• Multiple indoor units needed for whole home
• Requires professional installation

Best For

• Homes without ductwork
• Room additions or converted spaces
• Individual room cooling
• Historic homes where ductwork isn't feasible
• Homeowners wanting zone control

Cost Comparison

FactorCentral ACMini-Split (single zone)Mini-Split (4 zones)

Equipment$3,000-8,000$1,500-3,500$5,000-12,000 Installation$2,000-5,000$1,500-3,000$4,000-8,000 Operating CostHigherLowerLower

Efficiency Comparison

• Central AC: 14-21 SEER typical
• Mini-Splits: 17-33 SEER typical

Higher SEER = lower operating costs

The Hybrid Approach

Many San Jose homeowners choose both:

• Central AC for main living areas
• Mini-split for additions, converted garages, or bonus rooms

This gives you whole-house cooling plus targeted comfort where you need it.

Making Your Decision

Consider these questions: 1. Do you have existing ductwork? 2. Do you need whole-house or room-specific cooling? 3. What's your budget for installation vs. operating costs? 4. How important is zone control to you?

Still not sure? Our technicians can evaluate your home and recommend the best solution.