Payne Furnace Review And Price Analysis (With Buying Guide)

payne Furnace Review And Price Analysis

Are you planning to get a high-quality furnace to enhance the comfort of your home? Then why don’t you start with the best brands that can offer budget-friendly products! 

Payne heating and cooling company has been in service centers since 1914. and they have a great track record of providing premium quality furnaces. You can find various attractive and budget-friendly furnace systems with excellent efficiency. 

This brand is one of the perfect options to consider if you are looking for a reliable heating solution for your home at a reasonable cost.

So In this article, I’ll do a complete Payne furnace review and price analysis. I’ll cover all the details so that you can decide if it’s worth buying or not.

Payne Furnace Prices 

Payne Furnace ModelsUnit Price OnlyInstalled Price
Payne PG96VAT$2,610$3,330
Payne PG95XAT$2,420$3,130
Payne FG95S$2,380$3,030
Payne PG92S$1,150$3,020
Payne PG8MAA$720$2,000
Payne PG8JEB$690$1,970
Payne PG8JVB$670$1,970

The brand’s average final cost for furnace models ranges between $3,250 – $5,500, including installation costs. However, this price range can incredibly reduce or increase depending on many factors. Let us explore some of them: 

  • Discount offers on deals and promotions.
  • Location and size of your house.
  • Type of model you choose.
  • Type of installation process.
  • Different output capacities and features.
  • Buying from sellers like utility companies, local HVAC manufacturers, etc.

Aside from this, the tier of the furnace model is also an important factor that affects the final price of the product. Usually, furnace companies provide three tiers, including basic, batter, and best tier. All the models in each of these tiers comprise varied features, functionalities, and offers. Hence price fluctuates drastically.

However, in the case of Payne, they only maintain two tiers with a few models. Also, features are not much different tier-wise. Even though it still slightly affects the price range. Here is the breakdown of prices considering tier differences: 

  • Mid-range models: $3,250 – $4,375
  • Top-tier models: $4,375 – $5,500

Payne Furnace Series Explained

Better– Mid-Range

Furnace models by Payne are not much different in terms of tiers. However, you can see the primary difference in their efficiency ratings. Also, they differ in furnace types: single-stage or dual-stage. 

The brand’s mid-range tier furnace comes with fixed-speed systems. These are available for customers as a single-stage operational furnace. The units are quite economical, with AFUE ratings reaching up to 96%. Furthermore, the efficient units of this series enable homeowners to save money in the long run. 

Best – Premium

This series contains all the top-tier models by Payne Furnace with an AFUE rating of 96%. Due to their high efficiency, they are all ENERGY STAR, certified models. Payne’s collection of premium products with two-stage operation furnaces make your home warm and suitable 24/7, even during the coldest winter season. 

Top furnace model by Payne 

Payne PG95XAT

The model allows customers to experience an appropriate home heating environment without encountering operational noise. The model comes with premium sound-reducing functionality that maintains peace in the house while the heating system works.

It has a multi-speed blower motor and a two-stage gas valve that effectively improves the air quality of your home. Aside from this, you also get batter consistency in temperature. What’s more! You will also get this unit with additional insulation and other structural specifications enabling less energy consumption. 

Furnace specifications

  • Tier – Premium
  • Furnace type – Two-Stage
  • AFUE – Up to 95.5%
  • ENERGY STAR certified: Yes
  • Price range: $4,375 – $5,500

Payne PG96VAT

This model guarantees a maximum level of comfort for homes. The top-tier model comes with two-stage gas valves and a multi-speed blower motor. The combination of these two delivers an ideal temperature throughout the winter, and you will also receive a more efficient humidity control system and no-noise operation.

The model is equipped with high-temperature limit control to protect your family and home. Furthermore, the unit can be paired with other humidification and air purification systems for best air quality and moisture management. 

Furnace specifications

  • Tier – Premium
  • Furnace type – Two-Stage
  • AFUE – Up to 96%
  • ENERGY STAR certified: Yes
  • Price range: $4,375 – $5,500

Payne PG92S 

The model is incredibly affordable and is designed with high-quality materials to provide maximum durability. The features such as sound reducing system, higher efficiency, and good warranty coverage are the attractive points of this model. However, this model is being discontinued from the brand. 

Furnace specifications

  • Tier – Mid-range
  • Furnace type – Single-Stage
  • AFUE – Up to 92.1%
  • ENERGY STAR certified: No
  • Price range- $1,100- $2,300

Payne PG95S

It is a mid-range furnace known for its reliability and high performance. The model is affordable and safe to use. Like other top-tier models, this product also does not make noise while providing a comfortable temperature throughout your home.

Furnace specifications

  • Tier – Mid-range
  • Furnace type – Single-Stage
  • AFUE – Up to 95.5%
  • ENERGY STAR certified: No
  • Price range- up to $2,300

Payne PG95ESUA

The model comes among the cost-effective products of the Payne furnace. However, it still delivers consistent high performance and reliability. The efficiency rating of this model reaches up to 95%. Plus, it decreases emissions of nitrogen oxide by 65%.

Hence we can say that it fulfills strict air quality guidelines and can be qualified for additional clean air rebates; the model has a multi-speed blower motor and dual fuel structure. These qualities help it to run effectively without making noise as well as save energy use. 

Furnace specifications

  • Tier – Mid-range
  • Furnace type – Single-Stage
  • AFUE – Up to 95%
  • ENERGY STAR certified: No
  • Price range: $3,250 – $4,375

Related: Also Check Our Other Popular Furnace Brands Review and Price Analysis Click Here

Explore features by Payne Furnace

In terms of features, the brand shows quite a different approach than other companies. It does not focus on providing a broad spectrum of features with its products. 

Instead, the company concentrates on providing furnace models with a standard ranking in their wide array of engineerd internal components. Even though the brand does not advertise any out-of-the-world technologies or latest features, they maintain convenient functionalities and features such as: 

  • They have high compatibility with humidifiers and air purifiers.
  • They contain ECM blower motors with good air quality, improved efficiency, better temperature management, and nominal maintenance requirements. 
  • Reduces heat loss and boosts performance with their second heat exchangers. 
  • The excellent feature of sound-reduction is for providing convenience to users with their quiet operation. 
  • Contain insulated cabinets that minimize energy loss. 

Warranty On Payne Furnace

The brand assures its customers by providing a comprehensive warranty covering the middle range to top-tier models. 

Typically every model from mid-range and premium units comes with similar warranty coverage. It includes a cover of a 20-year limited warranty on the heat exchanger. For parts, you get a 10-year limited coverage. 

However, you need to fill the registration form for your new furnace to enjoy these warranty services. It can be done online or by visiting the company’s office. Make sure you register your model within 90 days of installation. If you didn’t, then the warranty on parts will only last for five years. 


Having a furnace that delivers a steady level of heating and performance would be a great investment. By considering Payne for purchasing a furnace for your home, you’ll get the best service at a fair price. Although the brand comprises limited furnace models, it guarantees a high comfort level for every home of its wide consumer base. 

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