Your HVAC unit and air ducts deliver heated or cooled air throughout your home year-in and year-out. The air your HVAC unit produces travels through your ductwork and heats or cools your home via the air vents in each room. The dust and other particles in your home’s air are known as particulate matter, which the EPA defines as "a complex mixture of extremely small particles and liquid droplets." The EPA also notes that "particle pollution is made up of a number of components, including acids (such as nitrates and sulfates), organic chemicals, metals, and soil or dust particles." Having clean air ducts means fewer of these particles moving through your home. If you remove your furnace filter and hold it up to the light, you can probably see several hundred of these minuscule particles floating in the air. 
Asking how much an HVAC installation costs is kind of like asking, “how much does a new car cost?”  Well, are you buying a Porsche or a Honda? Is it a 911 or just a Boxster, and are you going to get the leather seats? Likewise, are you going to get a Carrier or a Goodman air conditioner? Does the ductwork need to be replaced? These are all questions that will affect your HVAC installation cost, so let’s take a closer look.

There are many interesting comments from several informed individuals. The question that has not been answered is how do duct systems get dusty and dirty? As a RESNET Home Energy Rater, I perform pressure tests on homes and duct systems, and the one common thread is . . . most air delivery sytems have large amounts of air leakage. The solution is to seal the duct system, and pay particular attention to the return duct system and ductwork near the air handler (the 'blower'). As others have said, a captive (sealed) duct system with proper filter maintenance should be more then adequate for most occupants. For those who have allergy, asthma, or other breathing problems, a filter with a higher MERV rating (number should be listed on the package) or a HEPA filter are good choices. These filters will capture smaller particulates and should improve the indoor air quality. Again, make certain that the entire duct system is sealed, preferably with mastic, second choice UL-181 foil tape - never use cloth duct (also known as duck) tape.
So HVAC sent Tony Diaz to my house. I was at work so he was subjected to the most excruciatingly exacting woman on the planet (my wife). Tony impressed her with his friendliness, professionalism and the obvious jouneyman-level knowledge of his craft. He found literally --burnt-out-- parts in our system and replaced them. It cost us a bit but I know enough about the parts to see there was no gouging on the parts and a fair rate for the labor. It wasn't cheap but it was fair and worth every dime.
I think that the coding and permit industry is a joke!! They will not allow the homeowner to apply for the permit it has to be the licenced contractor. It would make since to allow the homeowner to apply for this. But it is all about money!! They really don't care if its up to code because if they did then they wouldnt care who applied and payeed for it, but they want the contractor to do it so if they do something wrong they can fine them instead of just pointing it out and allowing them to do it right.
DIY: Most DIY installations go smoothly. The major brands have compatibility checkers to see which of their models will work with the wiring your old thermostat is using. Potential problems involve the need for a C-wire, or common wire, when the existing bundle doesn’t include one. There are solutions discussed in our Thermostat Buying Guide, linked to below.
The use of furnaces, space heaters, and boilers as a method of indoor heating could result in incomplete combustion and the emission of carbon monoxide, nitrogen oxides, formaldehyde, volatile organic compounds, and other combustion byproducts. Incomplete combustion occurs when there is insufficient oxygen; the inputs are fuels containing various contaminants and the outputs are harmful byproducts, most dangerously carbon monoxide, which is a tasteless and odorless gas with serious adverse health effects.[14]
When central air conditioning service fails during a heat spell, you may have to wait days for an HVAC repair technician or an ac contractor to show up, and you'll probably pay at least several hundred for the repair. But if you're comfortable working around electricity and are willing to spend about $50 on parts, you can probably repair your air conditioning service yourself in about two hours and save about $225 on parts markup and labor.
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