Hello All,

I'm building a new house in Minnesota. The house is about 3,300 sf. We have a basement, main floor, second floor, and master bedroom above the garage. We'd like to have a 4 zone HVAC system. One for each area I just described.

Most of the contracters we've spoken with have said 4 zone would be fine, but one of them said a 3 zone would work better because otherwise the ductwork gets so small that the furnace could overheat.

I've read that you're just supposed to oversize the ductwork, and we're also going to get a variable speed furnace. I would just like your thoughts on a 3 zone versus a 4 zone for our sized house. Also, would there be any issues with A/C?