Payne PG95XAT Furnace Review | Efficiency, Price & Features

Square Footage	Furnace BTU
1,000-1,200 sq. ft. Home	40,000 - 60,000 BTU
1,200-1,500 sq. ft. Home	60,000 BTU
1,500-1,800 sq. ft. Home	60,000 - 80,000 BTU
1,800-2,500 sq. ft. Home	80,000 - 100,000 BTU
2,500-3,500 sq. ft. Home	100,000 to 120,000 BTU

Payne PG95XAT Review

The Payne PG95XAT Furnace Review is a reliable two-stage gas furnace that delivers impressive heating efficiency of up to 95.5% AFUE. It’s designed for quiet performance and consistent comfort, reducing drafts and maintaining even warmth throughout your home.

Its electrically efficient multi-speed ECM blower motor enhances both comfort and energy savings by improving airflow and overall system performance. Combined with a secondary stainless steel heat exchanger, the PG95XAT maximizes heat transfer and extracts every bit of warmth from the fuel, ensuring higher efficiency and lower energy costs.

In a Nutshell

The Payne PG95XAT Furnace Review highlights a premium two-stage furnace designed for top-tier efficiency and quiet performance.

Average Installed Price: $4,375 – $5,500
AFUE: Up to 96%
BTU Input: 40,000 – 120,000
BTU Output: 39,000 – 117,000
Configuration: Two-Stage, Multi-Speed ECM Blower
Best For: Small to medium-sized homes seeking efficiency and quiet operation

Top Features

The Payne PG95XAT Furnace Review showcases these standout performance features:

Two-Stage, Multi-Speed ECM Compressor: Offers smooth, consistent heating and energy-efficient operation.
Fully Insulated Cabinet: Minimizes heat loss and ensures quiet operation.
Secondary Stainless Steel Heat Exchanger: Improves fuel utilization for greater efficiency.
Soft-Mounted Blower and Inducer Motor: Reduces vibration and noise for whisper-quiet comfort.
Dual-Fuel Capability: Can pair with a compatible thermostat and heat pump for optimal energy savings.
Adjustable Heating Air Temperature Rise: Allows fine-tuning for comfort and efficiency.

Other Key Highlights

Each highlight below integrates insights from the Payne PG95XAT Furnace Review:

Multi-speed ECM blower ensures even temperature control and enhanced comfort.
LED diagnostics and a built-in self-test feature simplify maintenance and troubleshooting.
Durable pre-painted steel cabinet with tight-fit door latch for long-lasting protection.
Stores fault codes during power outages for easy technician access.
Dehumidification terminals on the control board help maintain ideal indoor humidity levels.
Works seamlessly with humidity-sensing thermostats for improved comfort.

Warranty Coverage

20-year limited warranty on the heat exchanger.
10-year limited warranty on all remaining covered components.

This robust warranty ensures peace of mind and long-term reliability.

The Bottom Line

The Payne PG95XAT offers an excellent balance of efficiency, comfort, and affordability. Its quiet performance, solid construction, and ENERGY STAR®-level efficiency make it a great option for homeowners looking for a budget-friendly furnace without sacrificing quality. Ideal for smaller homes, this model promises years of dependable, trouble-free service.

Comparable Payne Models

By Features

PG95XAT: 96% AFUE, 39,000–117,000 BTU Output
PG92S: 92.1% AFUE, 37,000–112,000 BTU Output

Both are efficient and quiet, but the PG95XAT offers slightly higher heating output and improved fuel efficiency.

By Price

PG95XAT Installed Price: ~$3,000
PG92S Installed Price: ~$2,900
PG95XAT Unit Price: ~$2,350
PG92S Unit Price: ~$1,100

While the PG95XAT is a bit more expensive, it delivers better long-term energy savings due to its higher AFUE rating.

What Factors Affect Furnace Pricing in Canada?

The installation or replacement cost of any furnace, air conditioner, or heat pump in Canada can vary based on several important factors:

Size of the home and required furnace sizing
Your province and climate conditions (Ontario, hamilton, burlington, etc.)
Overall installation difficulty and labour hours
The need for ductwork upgrades
Selected thermostats, filters, and accessories
Pricing and experience of local HVAC contractors
Whether the system requires a repair or replacement

Top Cities We Serve Across Canada

We proudly help homeowners across Canada compare furnace prices, get installation quotes, and find trusted HVAC contractors. Here are some of the top cities where we provide service:

Whether you’re upgrading your furnace, replacing an old system, or comparing HVAC quotes, our certified contractors are available to assist you in all major regions across Ontario and beyond.

Get free quotes from trusted HVAC professionals in your city and compare furnace installation costs instantly.