I'm in a similar climate to you. In a new home I'd probably put in central. In an existing home with no ducts (like mine) I'd not bother with the expense. I have a couple of window shakers for the few days we need AC. So far this year the bedroom has been on maybe five nights, the rest of the house not at all. Middle of July and I closed some windows tonight as it is too cool! Ed snipped-for-privacy@snet.net