For that size of a system, ducted is less expensive and more reliable than mini-splits (but it is not always practical to install). A large multi-zone installa

For that size of a system, ducted is less expensive and more reliable than mini-splits (but it is not always practical to install). A large multi-zone installation (~20 rooms) with all-new duct work and natural gas backup in a major cold-weather US metro can be about $40K.