Bryant 986T vs 987M: Real Furnace Costs, Side-by-Side (2025 Homeowner’s Guide)

Bryant

Summary

  • The Bryant 986T is a two-stage furnace, while the 987M is a fully modulating system that offers precise heating adjustments.
  • Installed costs for the 986T range from $5,800 to $7,200, whereas the 987M ranges from $7,200 to $9,000, varying by location and additional factors.
  • The 987M can save homeowners $400–$900 in heating costs over a decade, making it potentially more cost-effective for long-term residents.
  • Choosing the 987M is advisable for those in cold climates with larger homes, while the 986T is better suited for moderate climates and tighter budgets.
  • The 987M qualifies for federal tax credits and local utility rebates, which can offset its higher initial cost.

Two Elite Furnaces, One Big Question: Which Costs More—and Is It Worth It?

Bryant’s Evolution Series is where performance meets precision. The 986T and 987M sit at the top of that lineup—two high-efficiency gas furnaces engineered for comfort, quiet operation, and serious energy savings. But if you’re comparing these two models, there’s one question that’s likely driving your research:

How much do they actually cost installed—and which gives you more for your money?

Let’s break it down in plain terms.

986T vs 987M: What Sets Them Apart?

At first glance, the 986T and 987M might look like twins. Both are premium models with variable-speed blowers, sealed combustion, and advanced thermostat compatibility. But the core difference lies in how they deliver heat.

  • 986T: A two-stage furnace. It runs mostly on low but kicks into high when the temperature drops.

  • 987M: A fully modulating system. It adjusts in ultra-fine increments, delivering precise heating that adapts to your home’s needs in real time.

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That added precision comes with added complexity—and a bigger price tag.

Bryant Evolution 987M vs 986T cost installed

Installed Cost Breakdown: What You’ll Really Pay

Let’s talk numbers.

Furnace only:

  • 986T: $2,800 to $3,400

  • 987M: $3,500 to $4,200

Fully installed system (unit + labor + setup):

  • 986T: $5,800 to $7,200

  • 987M: $7,200 to $9,000

Installation pricing shifts based on where you live. Labor rates in states like California or New York? Higher. You’ll pay less in places like Texas or Georgia. Keep in mind that costs also swing based on ductwork, local permits, thermostat upgrades, and the installer’s brand markup.

What’s Actually Included in Installation?

A legit install isn’t just bolting the furnace in place. You’re paying for:

  • Full unit setup

  • Thermostat integration (often smart)

  • Labor (2–3 certified techs)

  • Old furnace removal

  • Safety testing

  • Any necessary airflow tuning

Sometimes, there are surprise extras—permit fees, code upgrades, or vent modifications. Always get a line-item quote upfront.

Performance vs Price: Is Modulating Worth the Money?

The 987M’s modulating tech is elegant. It keeps temps ultra-steady and reduces short cycling. But does that extra smoothness translate into savings?

Over a decade, the 987M can shave off $400–$900 in heating costs (depending on your climate and gas rates). For homeowners staying put long-term, that can tip the scale.

But if you’re planning to move in a few years? The 986T might make more sense. It delivers strong performance without the premium price—and far fewer installation headaches.

Which Furnace Is Right for You?

Here’s the cheat sheet:

  • Go 987M if…

    • You live in a cold climate with harsh winters.

    • You own a large home and want zoned comfort.

    • You care about ultra-smooth heat, quiet operation, and top efficiency.

  • Choose 986T if…

    • You’re in a moderate climate.

    • Your budget is tighter, but you still want great performance.

    • You plan to sell the home within 5 years.

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Also worth noting: The 987M’s performance shines only when paired with well-designed ductwork. If your duct system is leaky or unbalanced, you might not notice the upgrade.

What Homeowners Are Really Asking

Q: Does the 987M qualify for any rebates?
Absolutely. As of 2025, it can earn you up to $600 in federal tax credits, and more through local utility rebates.

Q: How long does installation take?
Most jobs wrap in a single day, but expect a full 8–10 hours. Add time if your installer has to redo any ducting or venting.

Products / Tools / Resources

  • Bryant Evolution Connex Control – Essential for modulating performance
  • DSIREusa.org – Find state-level HVAC rebates
  • Energy Star Certified Furnaces (2025 list) – View latest qualifying models
  • Homewyse HVAC Cost Calculator – Cross-check your install quote
  • Angi & HomeAdvisor – Compare local Bryant-certified installers

More on Bryant – Here

Kelsey Neff
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