You don't specify gas heat or heat pump. I'm local to BCS and I've recently seen quotes as low as $12k and as high as $22k. The days of HVAC under $10k are gone. New efficiency laws, refrigerant prices sky rocketing, metals are high, labor is high, insurance is high, fuel is high, etc.
I'm still having to adjust to handing customers bids in the teens for an AC system because I know how much it hurts. I can assure you I'm not getting any richer, I'm just using bigger numbers. Financing is becoming more and more a necessity. I'm not sure who you've gotten quotes from but I'd warn you to be careful with certain companies in town that are well exposed. Friday I had back to back new customers that were both getting hosed by the same company. Don't trust them. On the first call his system was 2lbs low on R22 but in great shape otherwise and on the second system (a 3 year old Trane) he has a leaking evaporator coil and was 4lbs low. I'm not perfect and neither is my company but we really really focus on honesty and serving our customers well so that you will remain a customer and tell your friends….on TexAgs lol.
I'm out of town until late next week but I'd be happy to visit with you if you'd like. Email is good.