For 2026, an easy install mini split with a 20 SEER2 rating hits a good balance...

https://iris-wiki.win/index.php/What_Does_SEER2_Mean_for_My_Electric_Bill_on_a_Mini_Split%3F

For 2026, an easy install mini split with a 20 SEER2 rating hits a good balance between efficiency and cost, usually in the $1,500–$2,200 range. Look for models that run on a standard 115V outlet—no hard-wiring needed