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A one-zone ductless mini split runs $7,000 to $10,000 installed in Lovettsville, often in an old village house or a room finished after move-in.
Price range
$7,000-$10,000
8yrs @ 7.99%
$99/mo
15yrs @ 9.99%
$75/mo
Monthly figures on the starting price, the whole price financed, on approved credit. The lender sets the final terms. How financing works
Get your price in writing
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One of our HVAC technicians with a new Trane outdoor unit he just installed.
Licensed and insuredVirginia Class A contractor #2705192276
24/7 emergency serviceOften same-day, and we will tell you honestly when we can get there.
Our own HVAC installersA dedicated heating and cooling team, separate from our plumbers
Price in writing firstYou see every option priced before anything is ordered
What it costs
Installed, from the price book our HVAC price estimator runs on. A zone is one room with its own indoor head, and you get the price in writing before you decide.
Ductless mini split, one zone, installed
$7,000 to $10,000
or $117/mo at 0% APR for 60 months
Ductless mini split, two zones, installed
$11,000 to $15,000
or $183/mo at 0% APR for 60 months
Ductless mini split, three zones, installed
$12,500 to $18,000
or $208/mo at 0% APR for 60 months
Ductless mini split, four zones, installed
$16,000 to $21,000
or $267/mo at 0% APR for 60 months
Ductless mini split, five zones, installed
$19,000 to $25,000
or $317/mo at 0% APR for 60 months
Ductless mini split, six zones, installed
$23,000 to $30,000
or $383/mo at 0% APR for 60 months
Monthly figures: 60mo @ 0% APR on each starting price, the whole price financed, on approved credit. Longer plans lower the payment and cost more in total. The lender sets the final terms. How financing works
Where you land in a range is mostly the distance from the outdoor unit to the room, the kind of head and the room left in the electrical panel.
The second zone costs the most because it often needs a bigger outdoor unit. Our mini split cost guide explains.
What’s different in Lovettsville
Inside the town limits the Census counts 88 homes from 1939 or earlier and 78 more from the 1950s; across 20180, 268 homes predate 1940. None were built with central air in mind. Some had ductwork squeezed in later, and some still heat with a boiler: the Town’s 2025 water report asks anyone heating that way to contact it for its cross-connection survey. A head in each room that needs one skips cutting chases through old plaster.
The NOAA co-op at Purcellville averages about 30 days a year at 90 or above, and on July 28, 2023, mesonets across Western Loudoun measured heat indices above 110. In an older house that heat gathers under the roof, in upstairs rooms with knee walls and small windows, and one head up there makes the floor livable in August.
On the newer streets, Town Center, Keena and Loudoun West among them, the builder ran ducts to every finished room. The trouble is space finished afterward: a basement turned family room, the bonus room over the garage, a sunroom off the back. Outside the town, where about 94 homes in 100 across 20180 are detached, the room may be a barn office or a workshop that no duct will reach.
Snow decides where the outdoor unit goes. With 30 inches measured just east-northeast of town in February 2010 and 30 to 36 across western Loudoun in January 2016, it belongs on a wall bracket or a tall stand, clear of drifts, so its defrost water drains instead of freezing beneath it. A mini split adds equipment rather than swapping it, which Loudoun County’s fee schedule lists as permit work, in town or out.
By the numbers
From the Census Bureau’s 2020 to 2024 survey, owner-occupied homes unless it says otherwise.
When it’s the right call
If the old house still cools room by room through the windows, one multi-zone outdoor unit can feed a head in each of those rooms: $11,000 to $15,000 installed for two rooms and $12,500 to $18,000 for three. The windows go back to being windows.
The bonus room, the sunroom, the bedroom over the garage. We check for a closed damper or a crushed duct first; sometimes that’s all it is.
An addition, a finished attic, a garage turned into a room. Stretching the ducts into it usually starves the rooms already on them.
Choosing who installs it
Questions worth asking anybody who quotes you, us included.
An upstairs room under a hot roof, with knee walls and old windows, needs more cooling than its floor area suggests. Ask how they sized it; square footage alone shortchanges rooms like that.
If the room’s trouble is a closed damper or a crushed duct, a mini split is an expensive fix for a cheap problem. Ask what they checked first.
Ask whether it covers the line set run, the new circuit and putting the walls back, or only the equipment.
Two of our crew going over a work order before the day's calls.
From our Google reviews
5.0 stars across 1,132 reviews. Read them on our reviews page.
Swiftpro did an excellent job installing a minisplit unit for us in our sunroom. They were super professional.
Where we work
Next door to Lovettsville: Waterford, Paeonian Springs, Hamilton, Purcellville and Leesburg.
The system we put in first
Built to take a beating. Put in by our crew.
Heat lamps, snow and rain on one outdoor unit: that’s Trane’s own film. We’re a Trane Comfort Specialist, on Trane’s own dealer locator, and when you pick a Trane, our crew puts it in.
Films: Trane’s own.
Questions
Many cold-climate models keep making heat below zero, at reduced output. A Lovettsville station read 5 below on January 23, 2025, and the Purcellville co-op averages about five nights a year at 10 or colder. For a room that relies on the head alone, ask for a model rated for those temperatures; for a room the main system also reaches, a standard one usually does.
In the newer neighborhoods, which the Town’s plan describes as HOA subdivisions, it often does: associations commonly set rules on where an outdoor unit sits and whether it’s screened from the street, so check your covenants before you pick a wall. Inside the town limits, also ask the Town whether the spot needs its zoning sign-off.
Installed, one zone is $7,000 to $10,000, two zones $11,000 to $15,000 and three zones $12,500 to $18,000, up to $23,000 to $30,000 for six. The HVAC price estimator gives your number.
Both. A ductless system is a heat pump, and cold-climate models keep heating well below freezing, which covers a Northern Virginia winter.
Ready when you are
Call, or send the form at the top. You get the installed price in writing before anything goes on the wall.
SwiftPro Heating, Cooling & Plumbing
4230 Lafayette Center Dr N, Chantilly, VA 20151
44679 Endicott Dr, Suite 211, Ashburn, VA 20147
Virginia Class A contractor license #2705192276
SwiftPro Heating, Cooling & Plumbing is a licensed, BBB Accredited (A rating), independently owned heating, cooling and plumbing company in Chantilly, serving Lovettsville and the rest of Northern Virginia. Virginia contractor license #2705192276. 5.0 stars across 1,132 reviews on Google, Angi, Yelp, the BBB and Facebook. SwiftPro maintains a dedicated HVAC team and a dedicated plumbing team.
From SwiftPro Heating, Cooling & Plumbing in Chantilly. Housing figures are the Census Bureau’s American Community Survey, 2020 to 2024, for each place named; permit, water and sewer facts link to each office’s own page and were checked in September and October 2026.