As far as I can tell, there's no significant positive price difference between, say, a 5 ton water-cooled heat exchanger and an air-cooled heat exchanger/Air conditioner with outdoor compressor. There's no need to deal with pressurized copper piping between outdoor and indoor coolant runs by the HVAC contractor for the geothermal install, it's just a couple of pvc runs between the underground loop and the heat exchanger itself. There's little difference in the amount of controls wiring, and zero difference in the ducting. Which brings me to my question: Without consideration of the well drilling, tank, bleeding of the underground loop, etc., why does every single contractor I talk to want between $8-$10k more to do a water-cooled heat exchanger install vs. an air-cooled indoor coil/outdoor compressor for a relatively simple 4-ton install? I know how much the heat exchanger costs, I know there's no significant price difference between the two in terms of hardware, I guess I'm wondering why labor rates for HVAC guys suddenly jump to about $750-$1000 an hour to do water-cooled heat pumps? How do these people sleep at night?