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

Find a Certified Heating & Cooling Professional In Your Area

Contact a top-rated local expert to help with all of your home’s HVAC needs.

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

Read Reviews of Other Trane Products

Find ratings and reviews for Trane Air Conditioners, Boilers and more

Read Reviews

Top 10 Furnaces

See who made our list of the best Furnaces of 2022.

See the Top Products

Find a Certified Heating & Cooling Professional In Your Area

Contact a top-rated local expert to help with all of your home's HVAC needs.

Trane XC95m Furnace Reviews

Showing 6-10 of 21 reviews

"I highly recommend the Trane XC95m Gas Furnace"

5.0 rating
Very Satisfied

I had a Trane XC95m installed in one of my rental houses in Lenexa, Kansas two years ago. This particular rental is a two-story house with 4 bedrooms and 2 baths, with a total of 2275 square feet. This gas furnace has proven to be extremely powerful, reliable and efficient. The capital costs of this furnace are rather high, but the return on investment will be sooner than later due to the reduced operating costs and low natural gas prices right now. This furnace has an efficiency of around 97% and is very quiet during operation. Another perk is that it is environmentally friendly. Since this furnace is relatively new, I have not had to repair it as of yet. The only negative that I can think of with regards to this furnace is the high cost (including installation). As far as operation and reliability, however, I have no regrets in choosing the Trane XC95m. I would buy it again and would definitely recommend it to a friend.

Fort Worth, TX

"Worst equipment I’ve ever owned"

1.0 rating
Very Unsatisfied

I purchased a Trane XC95m furnace in October of 2013. They have been to my house 24 times in 16 months. At first it was installation problems. Then it started burning out igniters. That went on until fall of 2014. It started eating them 1 every 2 weeks. They told me they needed a new board design and a new igniter, but they weren’t available. It took two months and me screaming at the top of my lungs to get anyone to listen. The new board comes in. They install it and within 2 weeks I go to let the dog out and I hear the A/C unit trying to run outside. So I call again. They come out and by the time they got there the induction motor sounds like it’s going to fly apart. Well the A/C unit has a contactor stuck; it needed a new contactor, and a new induction motor. I had to wait for over a month to get those installed. Those will be installed tomorrow. Over the weekend the furnace just shut down. The service tech says it’s a false code. The only way to get it to straighten out is to cycle the service switch off, then back on. That’s not a fix. That’s a bandaid. This has by far been the worst piece of equipment I have ever purchased in my 54 year life. Very unhappy. I am looking into a lawsuit now.

Central Indiana

"You can’t stop a Trane…from sucking the propane down"

1.0 rating
Very Unsatisfied

Replaced a 15-year-old worn out Trane heat pump with electric back up heat with a Trane XC95m 95% propane furnace. Fully modulating, the best Trane has to offer. Based on the electric rate vs propane cost, there should have been a savings of 25%. In reality, there turned out to be an increase of 29% in cost of operation. I have proof and documentation that even the experts at Trane can’t dispute. They sent out a field rep. Meaningless. Of course, they refuse to do anything about it. Thank goodness, I contracted through Lowe’s. They are standing behind me. No hassles at all. They are going to replace my entire Trane system with Lennox. You can’t find better customer service than Lowe’s. These people are awesome. Bad customer service is catching up to Trane. Home Depot has quit handling Trane and Lowe’s is doing the same.

Bentonville, AR

"Extremely frustrated"

1.0 rating
Very Unsatisfied

We bought two furnace units and two air conditioners in 2013 and it’s the second time the furnace has stopped working. I have two little kids and two very old handicapped people at home. My daughter and mother got sick because of the cold; although I bought four heaters, it’s still very cold in the house. I called the person who did the installation. He responded and said he will send someone; let’s hope for the best. But I am very disappointed. My previous old-style furnace never, ever stopped like that. I bought this new furnace to save electricity, so I don’t know about money but the furnace will ditch you when you need it. I am thinking of taking a legal opinion.

Sherwood Park

"Great unit, when it’s running"

2.0 rating
Somewhat Unsatisfied

I bought this Trane system around the first of 2011. When this unit is running properly it is absolutely the best unit around. It is so quiet, all you feel is the warm house being heated with this unit, which is a split system that is a heat pump, with an auxiliary natural gas fired furnace. When this unit was relatively new, I started having problems when the unit was supposed to make its switch from the heat pump mode to the natural gas furnace mode. Normally, this happened around the coldest day of the year. When this unit malfunctions, the furnace will not light and you wake up to cold air coming out of the air ducts. The house gets very cold pretty quickly due to the cold outside temperature. I am very afraid that this unit will malfunction some day when we are away from home, and on our return to home we will find that all our water pipes have frozen in our absence. When this happens (heaven forbid), we will be up the creek without paddles. The total price tag on this Trane system was over $11,000.00. When this kind of investment is made buying top of the line equipment, I for one, expect a little more. I have my fingers crossed, hoping this unit will keep running today, because tonight the temperature is supposed to drop into the teens. This unit was purchased from: Cook’s Heating & Cooling in Rural Hall, North Carolina.

Kernersville, NC

HVAC Brands

Learn more about your home's heating and cooling system with our guides, how-to's, FAQ's, tips and more.

Ready to get a quote from an HVAC contractor?

Let us know what type of service you need and we can connect you with a certified local HVAC contractor.

Please enter a valid name

Please enter a valid phone number

Please enter a valid zip code

There are no dealers in this zip code.

Please enter a valid email address

Please select repair or replace

Please select heating, cooling or both