Updated November 1, 2026 · Reviewed for accuracy by a licensed Uniform HVAC technician before publication
| Central (ducted) system | Ductless mini-split | |
|---|---|---|
| Distribution | One air handler and ducts to every room | Indoor heads mounted in each room or zone |
| Best for | Whole-home cooling with usable ductwork | Additions, garages, sunrooms, hard-to-cool rooms, homes without ducts |
| Zoning | Possible with zoning dampers | Built in: each head has its own control |
| Duct losses | Depend on duct condition and location | No duct losses |
| Maintenance | One filter, one drain | Each head has a filter and a drain to keep clean |
| Appearance | Hidden registers | Visible wall, ceiling or floor units |
How to decide
- Do you have ducts in good condition? Central usually makes sense
- Adding a room the current system can't serve? A mini-split avoids overloading it
- One room always hot? Fix ducts first; a mini-split if that's not practical
- Converting a garage or lanai? Mini-split, with code and permit checks
Costs depend on equipment, number of zones, line-set lengths and electrical work. We'll quote your actual project in writing.