Skip to main content
Ongaro & Sons
Ongaro & Sons service van parked in front of a two-story house with garage at dusk.

HVAC System Installed
From $195 / Month*

Upgrade your home comfort with convenient monthly payments. Get a new heating and cooling system starting at $195 per month or replace just your furnace starting at $116 per month. Financing available with approved credit. Call today to schedule an in-home estimate.

$195/mo* HVAC System

*With approved credit. A new heating and cooling system starts at $195 per month for 120 months ($23,400 total payments), and a furnace replacement starts at $116 per month for 120 months ($13,920 total payments). Monthly payments are based on the purchase price alone, excluding applicable taxes. Credit purchases are subject to credit approval. Other transactions may affect the monthly payment. Actual pricing depends on your home's size, equipment selection, existing site conditions, and installation requirements. Pricing excludes ductwork modifications or replacement, filtration system upgrades or modifications, zoning systems or modifications, electrical panel or service upgrades, other electrical modifications required to accommodate new equipment, and asbestos testing, removal, or abatement. Additional charges may apply. Subject to an in-home evaluation. Financing is provided through a credit card issued by Wells Fargo Bank, N.A., an Equal Housing Lender. Other terms, limitations, and restrictions apply. Offer expires 12/31/2026. Ask for details.

☎ Call 415-741-2820Book Online →
4.8/5 from 2,700+ ReviewsDiamond Certified, Top 3% in CACertified TechniciansServing Northern CA Since 1932

Is It Time?

Signs Your HVAC System Needs Replacing

If any of these sound familiar, talk to one of our team members. We’ll help you make the right call about whether additional repairs are worth the cost or if it’s time for a new system.

Approaching End of Lifespan

Most HVAC systems are designed to last 15-20+ years. If yours is approaching (or surpassing) that milestone, it may be time to consider a replacement. Typical lifespan: 15-20+ years.

More and More Repairs

If your system needs more frequent repairs, those costs add up. We’ll help you decide whether additional repairs are worth it or if your unit should retire. The 50% rule: repair cost vs. new system cost.

Rising Energy Bills

If your bills keep climbing despite regular maintenance, your system may be losing efficiency. Older systems can’t match modern efficiency levels, and that gap widens over time.

Hot & Cold Spots

Systems that can’t maintain comfortable temperatures or struggle with humidity control may be improperly sized or worn beyond effective repair. Comfort problems usually signal system trouble.

Using R-22 Refrigerant

R-22 was phased out due to environmental concerns. Systems still using it face increasingly expensive repairs as supplies dwindle, and converting rarely makes economic sense. R-22 is no longer manufactured.

Around the 15-Year Mark

While well-maintained systems can last 20+ years, efficiency improvements often make replacement worthwhile around the 15-year mark for most homeowners. Modern systems are far more efficient.

Our Promise to You

Free & Honest Assessment. Upfront Pricing.

Upfront Price Tag

We provide a free and honest assessment with an upfront price tag, so you know what to expect. No hidden surprises.

Right-Sized for Your Home

There’s never a universal solution. We take proper measurements before we start to find the system that fits your home properly.

Satisfaction Guaranteed

Not happy with your new system? We’ll make it right. That’s been our promise since 1932.

Our Installation Process, No Surprises

  1. 1

    Free In-Home Assessment

    We inspect your current system, measure your home, and assess your ductwork. No cookie-cutter recommendations, just what your home actually needs.

    Rated 5 out of 5 stars
    “Ongaro & Sons has an excellent reputation for quality work and I was pleasantly surprised that Nicholas’ bid was very competitive compared to the other estimates I solicited for my HVAC project.”
    Spike Marlin – Petaluma, CA
  2. 2

    Right-Sized Recommendation

    We take proper measurements and recommend the right system for your home, never a universal solution. You get a written proposal with an upfront price.

    Rated 5 out of 5 stars
    “Chris was very knowledgeable and quick to diagnose the issue. We’ll be calling Ongaro for our needs.”
    Bill Schwartz – Novato, CA
  3. 3

    Professional Installation

    Our certified team handles everything: removal, installation, electrical, and testing. Most replacements are completed in 1-2 days.

    Rated 5 out of 5 stars
    “The staff in coordinating the appt was just so wonderful in helping us during a stressful time where our hot water tank pipes blew…”
    Ellen Lee – Santa Rosa, CA
  4. 4

    Follow-Up & Support

    We check in after installation to make sure everything is running perfectly. Your system is backed by manufacturer warranty plus our guarantee.

    Rated 5 out of 5 stars
    “He even followed up a few days later to confirm everything was working properly.”
    Tim Heiman – San Rafael, CA
An Ongaro & Sons technician servicing a furnace in a utility closet

Brands We Install

Major HVAC Brands We Install

After we evaluate your home and your needs, we’ll recommend the system that best fits your budget and comfort goals.

Trane

Installed and serviced

Bryant

Installed and serviced

Mitsubishi

Installed and serviced

Not Sure What Fits?

We’ll recommend the system that best fits your home, budget and comfort goals.

You're in good company

4.8

2,767+ reviews on Google

Convenient Monthly Payments

A New System for a Monthly Payment

Choose a full heating and cooling system or replace just your furnace. We'll inspect your current system, measure your home, and give you a written proposal with an upfront price.

  1. 01

    HVAC System From $195/Month*

    A new heating and cooling system, installed by our certified team.

  2. 02

    Furnace Only From $116/Month*

    Replace just your furnace and keep the rest of your system.

  3. 03

    Free In-Home Estimate

    We measure your home and give you a written proposal with an upfront price.

From $195/mo*

HVAC System

A new heating and cooling system, installed.

  • Free in-home assessment
  • Written proposal with an upfront price tag
  • Properly sized, we take proper measurements before we start
  • Financing with approved credit through Wells Fargo
Book an In-Home Estimate →

Prefer to talk it through first? 415-741-2820

*With approved credit. A new heating and cooling system starts at $195 per month for 120 months ($23,400 total payments), and a furnace replacement starts at $116 per month for 120 months ($13,920 total payments). Monthly payments are based on the purchase price alone, excluding applicable taxes. Credit purchases are subject to credit approval. Other transactions may affect the monthly payment. Actual pricing depends on your home's size, equipment selection, existing site conditions, and installation requirements. Pricing excludes ductwork modifications or replacement, filtration system upgrades or modifications, zoning systems or modifications, electrical panel or service upgrades, other electrical modifications required to accommodate new equipment, and asbestos testing, removal, or abatement. Additional charges may apply. Subject to an in-home evaluation. Financing is provided through a credit card issued by Wells Fargo Bank, N.A., an Equal Housing Lender. Other terms, limitations, and restrictions apply. Offer expires 12/31/2026. Ask for details.

Financing Available

Buy Today, Pay Over Time

Enjoy the convenience of buying now and paying over time when you finance with a Wells Fargo credit card, issued by Wells Fargo Bank, N.A., an Equal Housing Lender*.

With qualified credit, you can take advantage of:

  • Monthly payment plans
  • Flexible financing solutions
  • Secure and simple online account access

Financing allows you to preserve other funding sources, such as your home equity line, other credit cards, or savings, for when you really need them.

This credit card also brings you:

  • Revolving line of credit that you can use over and over again
  • Special financing where available
  • Convenient monthly payments to fit your budget
  • Easy-to-use online account management and bill payment options

*With approved credit. Ask for details. The credit card is issued with approved credit by Wells Fargo Bank, N.A., an Equal Housing Lender.

HVAC Installation FAQs

Should I repair or replace my system?

A common rule of thumb: if a repair costs more than 50% of a new system and your unit is 12+ years old, replacement usually makes more financial sense. We’ll give you the honest math on both options. We’d rather save you money on a repair than push an unnecessary replacement.

How much does a new HVAC system cost per month?

With approved credit, a new heating and cooling system starts at $195 per month for 120 months ($23,400 total payments), and a furnace replacement starts at $116 per month for 120 months ($13,920 total payments)*. Your price depends on your home's size, the type of system, and installation complexity. During your free in-home assessment, we'll take proper measurements, recommend the right system for your home, and give you a written proposal with an upfront price tag.

How long does installation take?

Most installations take 1-3 days, depending on system complexity, ductwork modifications, and electrical work. Before we start, we’ll give you a written proposal that includes timing, so you know what to expect.

What brands do you install?

We work with the industry’s leading systems and materials. After we evaluate your home and your needs, we’ll recommend the system that best fits your budget and comfort goals.

Do you handle permits, code, and rebates?

Yes. We handle all permits with your local building department, ensure California Title 24 energy standard compliance and seismic anchoring, and can guide you through available rebates.

How does the financing work?

With approved credit, we offer financing through a Wells Fargo credit card with monthly payment plans, so you can preserve your home equity line, other credit cards, or savings for when you really need them. Ask for details during your in-home assessment.

Areas We Serve

HVAC Installation Across Marin, Sonoma & Napa Counties

PetalumaSanta RosaNovatoSan RafaelRohnert ParkNapaSonomaMill ValleySan AnselmoCorte MaderaLarkspurTiburonSausalitoCotatiWindsorHealdsburgSebastopolAmerican CanyonSt. HelenaFairfax

Serving the North Bay since 1932. Don’t see your city? Give us a call. We likely cover your area too.

Request a Callback

Leave your info and tell us what you need. We’ll get back to you.

Request your in-home estimate

By submitting, you agree to our Privacy Policy and Terms of Use.

Consent

Ready to Upgrade Your Comfort?

A new heating and cooling system starting at $195 per month, or a new furnace starting at $116 per month, with approved credit*. Book your in-home estimate today.

BOOK ONLINECALL NOW