Trane XC95m Furnaces | FurnaceCompare®

Trane XC95m Furnace Overview

The Trane XC95m is a gas-powered furnace with an AFUE of up to 97.3% and an EnergyStar rating. This is one of Trane’s top-of-the-line furnaces, and it includes a variable speed fan, a dehumidifier, the ComfortLink II communicating technology, and can optionally be controlled remotely through a Telephone Access Module. It is known for running quietly relative to similarly sized furnaces.

The furnace also includes the Trane CleanEffects system, which filters out pollutants and more than 99.9% of air-borne allergens.

Trane XC95m Furnace Prices

Your home’s size, location and installation complexity are just a few factors that will affect your total price, but we’re able to provide the average installed price across the U.S. to give you an idea of what to expect. 

Trane XC95m Estimated Installation Cost

FurnaceUnit CostInstalled Cost
Trane XC95m$5,000 $6,500

Compare Trane XC95m Furnace Pricing

Furnaces Unit Cost Installed Cost
Trane XC95m$5,000 $6,500
Trane S9V2VS $4,000 $5,500
Trane XB90 $1,600 $3,100
Trane XV95$ 3,300$ 3,300
Trane XT95 $2,400 $3,900
Trane XR95 $1,900 $3,400
Trane S9X2 $2,900 $4,400
Trane S9V2 $3,750 $5,250
Trane S8X1 $1,300 $2,800
Trane S8B1 $1,100 $2,600
Trane XB80 $900 $2,400
Trane XC80 $2,500 $4,000
Trane XV80 $2,500 $4,000
Trane XL80 $1,700 $3,200
Trane XT80 $1,100 $2,600

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New Installation vs Repair

Whether you should repair your furnace or replace it is one of the most commonly asked questions of HVAC professionals. The answer of course is different for each homeowner. Age, upkeep and how much you use it can all make a difference. However, there are a few basics to keep in mind that will help you make the best decision now and going forward. 

Financial Tip: Follow The 5,000 Rule
Multiply the age of the equipment by the repair cost, and if that exceeds $5,000, then replace the unit. If less, go ahead and repair it.  

Repair Your Furnace:

  • If it’s under 15 years old.
  • If it’s performing consistently.
  • If rated 87% AFUE or higher.

Replace Your Furnace:

  • If it’s over 15 years old.
  • If requires multiple repairs in last two years.
  • If energy bills increase suddenly.
  • If rated lower than 56% AFUE.

How we got these prices

The prices featured here represent the most common average prices nationwide of each Trane product. Prices may vary in your area. Unit Cost refers to the product price only. Installed Cost includes the product price and the national average installation price. 

A note about installed cost: Installation prices may increase 20-30% depending on where you live. If your project requires new ductwork, the installation cost will increase $1,500 – $2,000. 

What factors affect furnace pricing?

Because no two homes and home heating needs are exactly the same, the total installation cost of a new furnace will be different from place to place. Here are the factors that can affect the cost of installing a new furnace. If you want a true cost estimate for your home, talk to a local pro.

Local Climate and Region

If you live in the North, the heating capacity of your furnace needs larger than a similar sized home in the South where the winters aren’t as severe. 

Home Size and Construction

A large home will need a larger capacity HVAC system or multiple systems compared to a smaller home – which will increase your total installation costs. Also, a well insulated home retains warm or cool air and may not need as large a system as a poorly insulated home.

Project Complexity   

If your furnace installation is extra challenging or requires custom parts or retrofitting, your costs will go up. Examples include installing a furnace in a hard to reach or small space or in a historic home that needs updates.


Evaluating your home’s ductwork is part of any new installation because poor ductwork can negate all the energy savings features of a new furnace or air conditioner. Adding new ductwork can add $1,000 – $5,000 to a project depending on the size of home. 

Furnace Filters for the Trane XC95m

Air Flow ConfigurationCabinet WidthFilter Size(s)
Upflow / Horizontal17-1/2″17x25x1
Upflow / Horizontal21″20x25x1
Upflow / Horizontal24 1/2″24x25x1

Trane XC95m Model Numbers, BTUs and Efficiencies

The XC95m is available in different models which vary in efficiency and capacity.

Model NumberAFUEBTUs per Hour

XC95m Warranty

The heat exchanger in this model comes with a limited lifetime warranty. The other parts carry a ten-year warranty. Both warranties can be extended for an additional cost, and you can also purchase transferability (so that future owners of your home may qualify for the warranty). To qualify for either warranty, you need to register the furnace within sixty days of buying it.


When should I repair my furnace?

You should repair your furnaces if it’s under 15 years old, it’s performing consistently, and if rated 87% AFUE or higher.

When should I replace my furnace

You should fully replace your furnace if it’s over 15 years old, it has required multiple repairs in last two years, your energy bills increase suddenly, or if your furnace is rated lower than 56% AFUE.

Questions about this model?

Consumer Reviews of Trane XC95m


  • Very Satisfied
  • Somewhat Satisfied
  • Neutral
  • Somewhat Unsatisfied
  • Very Unsatisfied
  • #4 of 17 Trane Furnace
  • 57.14% of customers recommended

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Trane XC95m Furnace Reviews

Showing 1-5 of 21 reviews

"Great Furnace"

5.0 rating
Very Satisfied

This furnace is as close to in-floor heat as you can get. When you get older you like the constant warmth and the furnace delivers that, I also have an open concept home that can be noisy and you hear everything but I don’t hear this furnace very quiet, I love this furnace

Green Bay, WI

"Furnace Great, Thermostat Not So Good"

2.0 rating
Somewhat Unsatisfied

This unit replaced a York that was a reliability nightmare. It includes the Trane xl1050 thermostat. We’ve had it 6 months and it is now starting it’s first winter. While I love they way it gets heat to our former cold spots, I’m finding things actually get too hot for a few hourse when it cranks up in the morning. I program the heat down to 65 degrees at night, and then up to 70 degrees at 7 am. Using 2 independent thermometers, I find that the thermostat doesn’t show it is at 70 degrees until about 45 minutes after the 2 thermometers show it was there. By the time it shows that 70 degrees, the thermometers say it is actually 74 degrees. Further, even when the thermostat says it is at the programmed temp, it keeps going for another 20 minutes, by which time it shows 71 degrees while the thermometers show 75 degrees. After a few hours, the thermostat and thermometers all settle down to 70 degrees. Trane acknowledges they have a problem. They hope future software will fix it, and they want me to add a wired remote temp sensor (they don’t yet have wireless sensors)….at my cost. Aint going to happen….I Am exploring using an Ecobee but it apparently will have somewhat different performance of the modulation.

Seattle, WA

"Terrible product/customer service"

1.0 rating
Very Unsatisfied

I had a Carrier furnace for 13 years and never had an unexpected breakdown. Last year after house renovations we decided to get a Trane furnace simply because “you cannot stop a Trane”. We paid over the odds and the furnace was installed in late August 2015. We actually did not turn it on until it got cold in mid-October. On December 29, 2015 the furnace broke down. The hot surface igniter had actually cracked. The company that installed it did not have a spare and all the dealers were closed for New Years. We had to go without heat for 5 days. Trane customer service is appalling. I filed a compliant on their website and asked for stats on Trane furnace breakdowns. They did not bother writing back to me. Two months later I called them. They told me that they don’t have breakdown statistics, which is hard to believe. I think people should think twice before buying a Trane product. I will never buy a Trane again.

Toronto, Ontario, Canada

"If ten years is worth it, Trane’s for you."

3.0 rating

I never had any issues with my Trane. I had some cold rooms, but that was the builder/installer’s fault. The negative is at 10 years it died, no warranty. Carbon Monoxide level of 9. The broken part was still under warranty but the contractor talked us into a new one because waiting a week for the old part after a complete dismantle to get the warranty part out would cost as much as a new unit.

Chicago, IL

"Good systems"

5.0 rating
Very Satisfied

We live in Calgary, Canada, where you need good heating from October to April. We installed an 80 and a 60 at the same time – one for upstairs and the other downstairs. We also included communicating thermostats. They’ve been in use now for 3 winters and never a peep wrong with them. One service call last spring. These are great units that modulate with variable fan speed and they only really are on full burn when raising the temperature in the morning from an overnight setback. I cannot believe it when reading about the poor performance from other users – maybe it’s the quality of the installer.

Calgary, Alberta, Canada

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