I looked up prices in Massachusetts, they are higher than the national average. Looks like 2 main factors:

1 A higher than usual percentage of mini splits vs central air. These will be more efficient and have a lot of comfort benefits, but are considerably pricier then retrofitting a central air system. So if you are retro fitting CA, you could come in under average.

2 MAs impressive $10k+ incentive system for whole home heat pump systems has resulted in HVAC companies raising prices, because of course it has. This is why we can’t have nice things.