$12,000 is the upper end of the typical $7,000–$14,000 range for a complete furnace + AC replacement. It's justifiable for high-efficiency equipment, larger homes, or ductwork included — but get the line items.
What drives the price
What's included: both units? ducts? thermostat?
Efficiency ratings (SEER2/AFUE)
Home size vs equipment size
Labor and parts warranty terms
Red flags in a quote
$12k with builder-grade equipment
No breakdown between equipment and labor
Ductwork 'included' with no scope
Financing pushed harder than the specs
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Typical US ranges; your market varies. Always get 2–3 competing quotes.