Heating and cooling
BTU calculator
What size heating and cooling a house needs, as an honest range — with the reason oversizing is worse than undersizing, and a clear line about what this estimate can and cannot decide.
Written and edited by Pablo Ruiz Quintero
Last reviewed 2026-09-16 · Nothing you type leaves your browser
What are you heating and cooling?
Only the space the system serves. Leave out an unheated garage or attic.
Load follows the air volume, not the floor area.
Washington DC, Nashville, Kansas City, Portland. Big states span several zones — set it yourself if the default looks wrong.
Insulated walls and attic to the standard of its decade. The baseline these figures assume.
Around 15% of floor area, double glazed.
Some sun on the house for part of the day.
The first two are already in the base load.
The same machine running in both directions. Heats and cools, and in most of the country now heats down to well below freezing.
Used only to pick a regional labour rate. It stays in your browser.
Estimated cooling load
3–3.75 tons
1,800 ft² · 19–24 BTU/ft² for zone 4 — mixed · ×1 for the house · 36,000–45,000 BTU/h
A range, because that is what this method can honestly give you
Every calculator that hands you one number has picked a point inside a spread like this without telling you. The nearest size that fits is 3.5 tons — and bigger is not safer: an oversized unit cools before it has dehumidified, cycles constantly and wears out early.
What the load points to
- Cooling load
Zone 4 — mixed · 36,000 to 45,000 BTU/h3–3.75 tons - Equipment size to fit
4% above the mid estimate, within the allowed margin3.5 tons - Heating load
54,000 to 72,000 BTU/h delivered63k BTU/h - Internal gains counted
People beyond the base two, plus the kitchen1,800 BTU/h
What moved the number
- Average — typical existing house
Insulated walls and attic to the standard of its decade. The baseline these figures assume.×1 - Typical windows
Around 15% of floor area, double glazed.×1 - Average exposure
Some sun on the house for part of the day.×1 - 8 ft ceilings
Standard height — the per-square-foot figures assume it.×1
What it costs
National average. Installed heat pump.
Equipment, refrigerant lines and commissioning, in existing ductwork. HVAC is almost entirely labour, so the whole figure moves with where you live.
Read this before buying anything
- This is a screening estimate, not a Manual J. A real load calculation works room by room from your actual construction, orientation, windows and air leakage, and it routinely lands 20–30% away from any per-square-foot figure. Use this to judge a quote or set a budget — get a Manual J before anyone installs equipment.
On this page — 10 sections
- 01Reading the result
- 02Why this gives a range, and what it is not
- 03Why bigger is worse, not safer
- 04Climate zone does most of the work
- 05What moves the load after that
- 06Tons, BTU, and the ratings that are not capacity
- 07What the load points to
- 08Five ways this goes wrong
- 09How the calculator works it out
- 10The words on the quote
Reading the result
The short version
- The answer is a range, because that is what this method can honestly produce. Anyone handing you one number picked a point inside a spread like this.
- Bigger is not safer. Oversized cooling equipment dehumidifies badly, short cycles, and wears out early.
- The load moves nearly twofold on the envelope alone — the same house in the same city, leaky or tight.
- This is a screening estimate. Get a Manual J before anyone installs anything.
The headline is a cooling load in tons, expressed as a range, and underneath it the working: the area, the base figure for your climate zone, the combined adjustment for your house, and the resulting BTU per hour. The panel below that shows each adjustment separately, so you can see which assumption is carrying the most weight — and change it.
Then it names the smallest manufactured size that covers the load, and tells you how far above the load that size sits. That last number matters more than most people realise, and the next two sections are about why.
cooling BTU/h = area ft² × zone BTU/ft² × envelope factor + internal gains
- zone BTU/ft²
- the base load for your climate, as a range
- envelope factor
- insulation × glazing × sun × ceiling height
- internal gains
- 600 BTU/h per person beyond the first two, 1,200 for the kitchen
- ÷ 12,000
- BTU per hour into tons
Worked through — 1,800 ft² in a mixed climate at 19–24 BTU/ft², average everything, three people and a kitchen: 34,200 to 43,200 BTU/h, plus 1,800 of internal gain. That is 3.0 to 3.75 tons — and the honest answer is that the truth is somewhere in there.
Why this gives a range, and what it is not
This is the page on the site where it matters most to say plainly what the method can and cannot do.
A real load calculation is a Manual J. It works room by room. It takes the actual wall construction, the insulation values, the orientation of every window and the specification of its glass, the measured or assumed air leakage, the duct losses and the location of the ducts. It produces separate sensible and latent loads, and it sizes the ductwork as well as the equipment. Done properly it takes hours, and any contractor worth hiring will do one.
What this page does is a screening estimate: a per-square-foot figure for your climate, moved by four coarse adjustments. It is genuinely useful for three things — judging whether a quote is in the right universe, catching an obviously oversized proposal, and putting a number in a budget before anyone visits. It is not useful for deciding what to install.
A per-square-foot estimate routinely lands twenty to thirty per cent away from a Manual J on the same house. That is why the result is a range: presenting one number would imply a precision the method does not have, and false precision is worse than an honest spread because you cannot tell it is wrong.
Why bigger is worse, not safer
Almost everyone’s instinct with heating and cooling is that extra capacity is cheap insurance. With cooling in particular, it is the opposite, and understanding why is the most useful thing on this page.
An air conditioner does two jobs at once. It lowers the temperature — the sensible load — and it removes moisture from the air, the latent load. The second only happens while the coil is cold and air is moving across it, which means it needs run time.
An oversized unit satisfies the thermostat quickly and shuts off. The temperature is right; the humidity has barely moved. The house feels cold and clammy, people turn the thermostat down to compensate, and the problem gets worse. Meanwhile the compressor starts and stops all day, which is where the wear happens and where the inrush current shows up on the bill.
| Slightly undersized | Generously oversized | |
|---|---|---|
| On a design day | Runs continuously, may drift a degree or two | Holds temperature easily |
| Humidity | Excellent — long run times dehumidify | Poor — it never runs long enough |
| Comfort | Even, stable, dry | Cold spots, clammy air, temperature swings |
| Equipment life | Long — few starts | Shortened by constant cycling |
| Running cost | Efficient | Worse per unit of cooling delivered |
| Purchase price | Lower | Higher, for a worse outcome |
This is why equipment selection guidance puts a ceiling on how far above the calculated load you may size — around 15 per cent for cooling. The calculator applies the same rule: it picks the smallest manufactured size that covers the load and warns you when even that is too much headroom, because sometimes the honest answer is that the size below is the right machine.
Heating is more forgiving — an oversized furnace is inefficient and cycles, but it does not create a humidity problem. Even there, the extra capacity buys nothing on the coldest day it was sized for.
Climate zone does most of the work
Before anything about the house, where it is decides the base figure — and the two loads cross over as you move north.
In zone 1 a house is sized by its summer and the winter load is an afterthought. By zone 6 it is the reverse, and the cooling equipment is along for the ride. Around zone 4 the two are comparable, which is the entire technical argument for a heat pump: one machine doing both jobs makes most sense where both jobs are the same size.
The state default in the calculator is an approximation and the page says so. California spans four zones on its own, and Texas three. If the example cities for your default zone do not sound like your weather, change it — it is the input that moves the answer most.
What moves the load after that
Four adjustments, and between the extremes they change the answer by nearly a factor of two on the same floor plan in the same city.
×1.25
Poor insulation
Against ×0.65 for high performance
×1.15
Lots of glass
Windows are the weakest part of any envelope
×1.10
Full sun
West-facing glass is the worst case
×1.25
10 ft ceilings
Load follows volume, not floor area
The envelope matters most. Insulation and air sealing together separate a 1970s house with original walls from a modern sealed one by a quarter in each direction. It is also the only one of these you can change, and improving it is the only way to make the equipment genuinely smaller and cheaper.
Glass is the weak point. Even good windows insulate several times worse than the wall around them, and they admit solar gain directly. A wall of south and west facing glazing can move a cooling load more than the insulation does.
Shade is free capacity. A mature tree on the west side of a house is worth more on an August afternoon than most equipment upgrades, which is why it is in the adjustment list at all.
Ceiling height is arithmetic. Conditioning moves air volume. Ten foot ceilings are twenty-five per cent more air than eight, and vaulted ceilings are the case where every per-square-foot figure in this industry quietly breaks.
Internal gains are smaller but real: about 600 BTU/h per person beyond the first two, and 1,200 for a kitchen. They matter more in a tight, well-insulated house, where they can become a significant share of the total — another reason rule-of-thumb sizing fails at the efficient end.
Tons, BTU, and the ratings that are not capacity
Heating and cooling uses more confusing units than any other trade on this site, and two of the confusions cost real money.
A ton is 12,000 BTU per hour. It has nothing to do with the weight of the equipment: it is the cooling effect of a ton of ice melting over a day, a unit inherited from before refrigeration was mechanical. Divide BTU per hour by 12,000 and you have tons.
A furnace is sold by its input, not its output. A 100,000 BTU/h furnace at 80% AFUE delivers 80,000 BTU/h to the house; the rest goes up the flue. Size the output to the load and then divide by the efficiency to get the number on the label — doing it the other way round buys a furnace a fifth too small.
SEER2 and HSPF2 are efficiency, not capacity. They tell you what it costs to run, not what it can do. A high-efficiency unit of the wrong size is still the wrong size, and a well-sized standard unit will outperform an oversized premium one on comfort every time.
What the load points to
The load is the same whatever you install. What changes is which machine makes sense, and that is mostly decided by what is already in the house.
Central air conditioning
Replacing a condenser and coil in existing ductwork. Cooling only — the heat comes from whatever is already there.
$1,500–$3,000 per ton installed
Heat pump
The same machine running in both directions. Heats and cools, and in most of the country now heats down to well below freezing.
$1,900–$3,900 per ton installed
Ductless mini-split
One outdoor unit and one or more wall heads. The answer where there are no ducts and putting them in would cost more than the system.
$2,200–$4,800 per ton installed
The decision that has genuinely changed in the last decade is the heat pump in a cold climate. Units that held only a fraction of their capacity at freezing have been replaced by ones that hold most of it well below — but the headline rating is measured at 47°F, and the number that matters is the capacity at your design temperature. Ask for it explicitly; a supplier who cannot produce it is selling you the wrong generation of equipment.
Where there are no ducts, the arithmetic changes completely. Installing ductwork can cost as much as the system going in it, which is the point at which a ductless installation stops being a compromise and becomes the sensible answer.
Worth asking before signing anything
- Will you do a Manual J, and can I see the output?
- What capacity does this unit hold at our design temperature, not at 47°F?
- What is the calculated load, and how far above it is the equipment you are proposing?
- Were the ducts sized as part of the calculation, or are we reusing what is there?
- What is the sensible and latent split, and how will this unit handle humidity?
- Is the outdoor unit matched to this indoor coil, as a rated combination?
Five ways this goes wrong
01Sizing by square feet alone
The same 2,000 ft² house can need 2.5 tons or 4 depending on climate, insulation and glass. A single rule of thumb is wrong at both ends of that range, and it is wrong in the direction of too big far more often.
Instead — Use the range here as a screen, then get a Manual J before buying. The two together cost nothing and catch almost every bad quote.
02Rounding up 'to be safe'
Extra cooling capacity buys shorter run times, which means worse dehumidification and more cycling. The house is less comfortable and the compressor dies sooner.
Instead — Take the smallest manufactured size that covers the load. If it feels tight, improve the envelope rather than the equipment.
03Sizing a furnace by its input rating
A furnace is sold by input. At 80% AFUE, one fifth of that never reaches the house, so matching the label to the load leaves you short by that much on the coldest night.
Instead — Size the delivered output to the heating load, then divide by the efficiency to get the input rating to shop for.
04Replacing like for like
The existing unit was very possibly oversized too, and if the house has had windows, insulation or air sealing done since, the load has fallen. Copying the old capacity copies the old mistake and pays for it twice.
Instead — Calculate the load for the house as it is now. A properly sized replacement is often a size smaller than what is coming out.
05Ignoring the ducts
A correctly sized unit on undersized or leaky ductwork underperforms, cannot balance, and blames the equipment for a distribution problem.
Instead — Have the ducts assessed as part of the load calculation. It is the cheapest comfort upgrade in most houses.
How the calculator works it out
- 01Measure the conditioned areaOnly the space the system actually serves. An unheated garage, attic or unfinished basement is not part of it.
- 02Find your climate zoneIt sets the base load per square foot. Large states span several zones, so check against the example cities rather than trusting the state default.
- 03Adjust for the envelopeInsulation and air sealing, window area, and sun exposure. Together they move the load by nearly a factor of two between a leaky old house and a tight new one.
- 04Adjust for height and occupancyLoad follows air volume, so taller ceilings scale it directly. Add 600 BTU/h per person beyond the first two, and 1,200 for the kitchen.
- 05Convert cooling to tonsDivide BTU per hour by 12,000. Then pick the smallest manufactured size that covers it — not the next one up.
- 06Get a Manual J before buyingUse this to judge a quote or set a budget. Equipment should be selected from a real room-by-room load calculation, and any contractor worth hiring will do one.
The per-square-foot figures by climate zone are a screening survey, published as ranges and labelled as such. The internal gain figures and the method being approximated come from the residential load calculation standard; the limit on how far equipment may exceed the load comes from the companion equipment selection standard; the zones themselves are the energy code’s. All of it is listed on the sources page, dated.
This page will not be improved by adding decimal places. If you want a number you can buy equipment against, the improvement available is a Manual J on your actual house, and no amount of web-form refinement substitutes for it. That is an unusual thing for a calculator to say about itself, and it is the reason this one is worth using.
Nothing you type is sent anywhere — the whole calculation runs in your browser.
Not sure of the conditioned area? Measure it room by room first — closets in, garage out.
Square footage calculatorThe words on the quote
Two of these — AFUE and the difference between sensible and latent load — are where most of the money hides.
- BTU
- British Thermal Unit — the heat needed to raise one pound of water by one degree Fahrenheit. On equipment it is always BTU per hour, a rate, even when the 'per hour' is left off the label.
- Ton
- 12,000 BTU per hour of cooling. It comes from the cooling effect of a ton of ice melting over a day, which is why an air conditioner is measured in a unit of weight.
- Manual J
- The industry standard load calculation: room by room, from the actual construction, orientation, window specification and measured air leakage. It is what should size the equipment you buy, and it is not what this page does.
- Manual S
- The companion standard for choosing equipment once the load is known. It is what sets a limit on how far above the load you may size — which is what makes oversizing a defect rather than a margin.
- Sensible and latent load
- Sensible is the heat you feel as temperature; latent is the heat held in humidity. An oversized air conditioner handles the sensible load quickly and the latent one barely at all, which is why the house ends up cold and clammy.
- Short cycling
- Equipment that starts and stops repeatedly because it satisfies the thermostat too fast. It is hard on compressors, poor at dehumidifying, and the classic symptom of a system chosen by rule of thumb.
- AFUE
- Annual Fuel Utilisation Efficiency — the share of the fuel a furnace turns into heat in the house. A furnace rated 100,000 BTU/h at 80% AFUE delivers 80,000, and confusing the two is the commonest sizing error in heating.
- SEER2 and HSPF2
- Seasonal efficiency ratings for cooling and for heat pump heating. They describe running cost, not capacity — a high SEER2 unit of the wrong size is still the wrong size.
- Design temperature
- The outdoor temperature a system is sized against — not the record extreme, but the temperature exceeded only a small percentage of hours a year. Sizing for the record cold snap is how houses get equipment twice as big as they need.
Common questions
- How many BTU do I need for a 1,500 square foot house?
- Somewhere between about 25,000 and 40,000 BTU/h of cooling, depending almost entirely on where it is and how it is built. In a hot southern climate that is closer to 3.5 tons; in a well-insulated northern one it can be under 2. Any answer that does not ask about your climate and your envelope is a guess dressed up as arithmetic.
- What size air conditioner do I need for 2,000 square feet?
- The rule of thumb answers 3 to 4 tons, and the rule of thumb is exactly what gets houses the wrong equipment. The honest answer is a range from this page, checked against a Manual J before anything is bought — two identical-sized houses in the same city can differ by a full ton on insulation and glazing alone.
- How many square feet does a ton of air conditioning cool?
- Between roughly 400 ft² in a hot, humid, poorly insulated house and 800 ft² or more in a tight house in a cool climate. The old contractor's rule of 600 ft² per ton is the middle of that spread, which means it is wrong by up to a third at either end.
- Is a bigger air conditioner better?
- No, and this is the single most expensive misconception in home HVAC. An oversized unit cools the air to the thermostat setting before it has run long enough to remove humidity, so the house feels cold and damp. It also short cycles, which wears out the compressor, uses more electricity per unit of cooling, and makes rooms uneven.
- What is a ton of cooling?
- 12,000 BTU per hour. The name comes from the cooling effect of a ton of ice melting over 24 hours, which is how refrigeration was measured before it was mechanical — the reason an air conditioner is still rated in a unit of weight.
- Do I really need a Manual J calculation?
- Before buying equipment, yes. A Manual J works room by room from your actual construction, orientation, windows and air leakage, and it routinely lands 20 to 30 per cent away from any per-square-foot estimate. It also sizes the ducts, which is where a lot of comfort problems actually live.
- How do I size a furnace?
- Work out the heating load, then divide by the efficiency to get the input rating the furnace is sold by. A house needing 60,000 BTU/h delivered needs a 75,000 BTU/h input furnace at 80% AFUE, or about 63,000 at 95%. Sizing by the input number is a common and expensive mistake.
- Will a heat pump work in a cold climate?
- Modern cold-climate heat pumps hold most of their capacity well below freezing and are now standard in places they were unheard of a decade ago. What matters is the rated capacity at your design temperature, not at the 47°F used on the headline figure — older units fall away sharply and lean on resistance heat, which is where winter bills come from.
- How much does it cost to install a new HVAC system?
- Equipment and installation in existing ductwork typically runs a few thousand dollars per ton, varying with the type of system. Installing ductwork where none exists can cost as much again — which is the point at which a ductless system usually deserves pricing against it.
- What happens if the system is too small?
- It runs continuously in extreme weather and struggles to hold temperature on the hottest and coldest days. That is genuinely uncomfortable — but it is a milder failure than oversizing, because a unit running long cycles dehumidifies well and wears out slowly. Given a choice between slightly under and generously over, under is the better mistake.
- Does ceiling height change the BTU calculation?
- Yes, directly. Heating and cooling move air volume rather than floor area, so a room with 10 ft ceilings needs about 25 per cent more than the same floor area at 8 ft. Per-square-foot figures all quietly assume 8 ft, and vaulted ceilings break them.
- Should I count the basement?
- Count it if it is conditioned — if there are supply registers and you keep it at living temperature. An unfinished, unheated basement is outside the envelope. A partly finished one is the case where a rule of thumb struggles most and a Manual J earns its fee.
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About the author
Pablo Ruiz Quintero — Editor
Editor of MaterialsEstimator. Decides which documents count as a source, what every default value is, and where the line sits between what the reader parses and what the engines compute.
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