An unfinished concrete basement containing a metal HVAC air handler, exposed wooden ceiling joists with sheet-metal ducts, a hanging bare bulb, copper pipes, and stacked cardboard boxes.

Furnace vs Boiler in Montgomery County, Tennessee

When a furnace makes sense

If your home already has ductwork in place, a furnace is the simpler system to install and service, with no circulator pump or radiators to maintain. Winter nights here average 30°F, and forced air heats a room faster than water moving through pipes and radiators. With heat needed about 7 months a year, that quicker response matters on the coldest nights.

When a boiler makes sense

If your home already has radiators or in-floor piping instead of ducts, a boiler makes more sense than adding ductwork just to run a furnace. It costs about 5% less to run than a furnace at Tennessee gas prices, which adds up over 7 months of heating a year. Radiant heat also runs quieter than forced air, since there is no blower cycling on and off.

When a furnace makes sense

If your home already has ductwork in place, a furnace is the simpler system to install and service, with no circulator pump or radiators to maintain. Winter nights here average 30°F, and forced air heats a room faster than water moving through pipes and radiators. With heat needed about 7 months a year, that quicker response matters on the coldest nights.

When a boiler makes sense

If your home already has radiators or in-floor piping instead of ducts, a boiler makes more sense than adding ductwork just to run a furnace. It costs about 5% less to run than a furnace at Tennessee gas prices, which adds up over 7 months of heating a year. Radiant heat also runs quieter than forced air, since there is no blower cycling on and off.

A gas furnace with sheet-metal ductwork and PVC pipes installed in an unfinished basement.

Furnace

Runs on
Natural gas
What it does
Heats only
Tax credit
No federal tax credit since the end of 2025

Sources: U.S. Department of Energy · Internal Revenue Code

A hydronic boiler with copper pipes, an expansion tank, and a pressure gauge mounted in an unfinished concrete basement.

Boiler

Runs on
Natural gas
What it does
Heats only
Tax credit
No federal tax credit since the end of 2025

Sources: U.S. Department of Energy · Internal Revenue Code

Furnace wins in Montgomery County.

Most homes in Montgomery County were built around 1998, already set up with the ductwork a furnace needs, which makes it the simpler install here.

About 5% lessto heat with a boiler than with a furnace, at Tennessee prices
30°Faverage winter low
21%of homes here heat with gas

If your home already has radiators or in-floor piping instead of ductwork, a boiler is still the better choice.

Find a contractor
Compared onFurnaceBoiler
Cost to run hereCosts more to runAbout 5% less to run
What it doesHeats onlyHeats only
Handles a 30°F nightYesYes

Sources: U.S. Energy Information Administration, U.S. Department of Energy, NOAA

When a furnace makes sense

If your home already has ductwork in place, a furnace is the simpler system to install and service, with no circulator pump or radiators to maintain. Winter nights here average 30°F, and forced air heats a room faster than water moving through pipes and radiators. With heat needed about 7 months a year, that quicker response matters on the coldest nights.

When a boiler makes sense

If your home already has radiators or in-floor piping instead of ducts, a boiler makes more sense than adding ductwork just to run a furnace. It costs about 5% less to run than a furnace at Tennessee gas prices, which adds up over 7 months of heating a year. Radiant heat also runs quieter than forced air, since there is no blower cycling on and off.

A Montgomery County contractor will price both against your own house, your ductwork and your panel.

Tell us about the job

It takes about a minute.

Step 1 of 3: Equipment