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Mini-split prices have fallen 20-30% in 2026 as new entrants flooded the market. The MRCOOL DIY 5th Gen 12K BTU is now $1,959, the Senville LETO 12K starts at $799, and the Mitsubishi Hyper-Heat still earns its premium for cold-climate homes. Five picks across budget, DIY, and pro-install tiers — plus the 2026 rebate math now that the federal tax credit is gone.
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