SEER is useful for comparing one model to another much in the same way that a car's calculate MPG is useful. It's not an accurate prediction of exactly how efficient the system is, but it can tell you which one is more efficient. Also, since SEER is based on a "cooling season", what region you live in will determine how long or short your cooling season is.
Consider what kind of heating and cooling system you want installed for the square footage of your home. Do you want a full system with a thermostat or a specific machine for the summer like a swamp cooler? Do you need a new furnace just for the winter? For any of these projects, the cost will vary depending on the quality, style and machine size you choose. If you have a tight budget, think of going smaller and upgrading over time. For example, if you can't afford to convert your entire home to solar power, you may want to consider only utilizing it to heat your water. Some other types of heating systems are:
A BTU is the amount of energy required to heat or cool one pound of water by one degree Fahrenheit. So a 1-ton air conditioner can cool 12,000 pounds of water by one degree every hour. That’s all it means, so don’t let yourself be lost in jargon! How this affects your HVAC installation cost is that the larger your house is, the more tons will be required to heat and cool it.
R-22 Freon is being phased out & isn't readily available. So the service company may only purchase as needed and the lack of availability would make their cost high. But, as long as they can get it, whatever the cost, unfortunately, is less expensive than replacing the A/C. Which will be the case eventually since it's no longer manufactured or sooner as in my case with a not so old a/c that sprang a leak, that would have been just a repair, but since it uses R-22 the whole unit has to be upgraded(replaced).  
DIY: We don’t recommend a DIY approach. Depending on the system, working with gas, electricity and refrigerant create dangers. Beyond that, it is essential that split system components be selected for compatibility. DIY installation of an HVAC system will void the warranty of most brands. The manufacturers won’t stand behind the warranty when anyone other than a certified installer does the work. This is true since improper installation is the main cause of poor system performance and mechanical breakdowns.

PickHVAC Tips: Installing the right size central air conditioner is extremely important. Have a load calculation done to ensure proper sizing. ACs that are too big aren’t as energy-efficient as they should be, and they cycle on and off too much. This creates over-cooling and temperature imbalance. Units that are too small run constantly in very hot weather and can’t keep your home cool. When an air conditioner is properly sized, it runs at optimal efficiency and indoor comfort.

In the United States, HVAC engineers generally are members of the American Society of Heating, Refrigerating, and Air-Conditioning Engineers (ASHRAE), EPA Universal CFC certified (for installation and service of CFC HVAC devices), or locally engineer certified such as a Special to Chief Boilers License issued by the state or, in some jurisdictions, the city. ASHRAE is an international technical society for all individuals and organizations interested in HVAC. The Society, organized into regions, chapters, and student branches, allows exchange of HVAC knowledge and experiences for the benefit of the field's practitioners and the public. ASHRAE provides many opportunities to participate in the development of new knowledge via, for example, research and its many technical committees. These committees typically meet twice per year at the ASHRAE Annual and Winter Meetings. A popular product show, the AHR Expo, is held in conjunction with each winter meeting. The Society has approximately 50,000 members and has headquarters in Atlanta, Georgia.
At Airco Heating and Air Conditioning, we’re proud of our years of service to the Van Buren area and look forward to helping you with your air conditioning and heating needs. We’re pleased to serve both residential and commercial customers; our team is prepared to help you with the sales, service, and installation of the comfort system that is ideal for your home or business. And be sure to ask Airco Heating and Air Conditioning for a free estimate. Whether it’s a new installation or routine service, our factory-trained technicians provide the expertise your comfort depends on. And at Airco Heating and Air Conditioning, we repair all makes and models.
No matter where you bought your air conditioning system, we can repair it. We have years of experience working with all the best central air conditioner brands such as Kenmore, Carrier. Trane, Goodman, and Rheem. As a result, you can rest assured we’re familiar with your air conditioning system and we have the parts you need to complete a successful air conditioner repair.
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.
Typically speaking, the lower SEER, more basic models are also more reliable.  Reliability is big with us, so we steer clear of features with reliability issues, and it’s as simple as that. When you factor in the price of repairs and the extra expense of the 21-SEER, you may actually lose money! 16 SEER is the sweet-spot, and it is key to reducing your HVAC installation cost.
At the state level the rebates are still substantial. For example, switching to a zoned system can get you a $100 rebate from various A/C companies, and state rebates are also included. In Pennsylvania a high-efficiency air conditioner alone can get you up to $300, and a high-efficiency complete HVAC system can see up to $1000. Maryland's incentives get up to $1,250, with a $100 rebate on a tune up of an existing system.
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Concrete Blocks -- Concrete blocks are used in foundations and are often found in full basements. Insulating the spaces in the blocks is not the way to insulate them as the heat energy will travel along the concrete itself. The best way to insulate with concrete blocks is to use insulated concrete blocks, which have polystyrene incorporated into them.
Roof-mounted systems have the heating and cooling systems in one cabinet. Sometimes called "gas packs" (if the heater uses natural gas), they typically cost less than a comparable split system. In dry regions, most homes originally had "swamp-coolers" installed. When replacing them with HVAC systems, it's often cheaper to use existing mounts and ducting.

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