Ducted vs Split System: Cost Comparison
By Home Cost Australia Editorial TeamUpdated 20 September 2026
Ducted suits whole-home, even comfort with zoning; split (or multi-split) suits one or a few rooms at lower upfront cost. The right choice depends on how much of your home you heat and cool, and for how long. Compare total cost of ownership — upfront plus running cost over ~10 years — rather than sticker price alone.
The decision at a glance
| Factor | Ducted | Split / multi-split |
|---|---|---|
| Best for | Whole-home comfort | Single rooms / living areas |
| Upfront cost | Higher (ductwork, zones) | Lower per unit |
| Zoning | Yes, by zone | Per-room by unit |
| Running cost lever | Zones used, total capacity | Rooms run, hours |
| Maintenance | Ducts + central unit | Each head + outdoor unit |
10-year ownership worksheet
To compare total cost, add each option's installed quote to its estimated 10-year running cost:
- Estimate annual running cost for each option with the running cost calculator.
- Multiply by 10 (adjust if your tariff or usage will change).
- Add the installed quote for each option.
- Compare the totals, not just the upfront price.
What to weigh beyond cost
- How many rooms you actually use at once.
- Whether even whole-home comfort matters to you.
- Ceiling/roof space for ducts.
- Future plans (extensions, resale).