Home HVAC cost?

W T F
I'm needing to replace the system I had put in in 99 at a cost of $3400. Now same equivalent will be $7900? Huh?
If I JUST had the AC portion done it's $5300.
I have a 100k btu 80% rheem furnace and 10 seer 2-1/2 ton ac. The condenser is shot, has a hole. Won't take freon. Main problem is the ridiculousness of the cost of r22.

If I put a 95% furnace in and 13 seer 3 ton, I'm looking at $8900. Upgrade to 14 seer add another $300. The guy who did the system in 99 is now dead .. the guy who I am talking to now is a neighbor's brother. New system will be rheem again.

I've only ever spent that much in a vehicle twice, thas double what I usually spend on a vehicle.
Does this sound typical? THAT MUCH increase in the same thing in this amount of time? I can't wrap my head around it. We've been sleeping in the camper in the driveway in hot nights for a couple of weeks now to get ac.
Oh yeah location might play a part, I'm an hour and 2 counties south of Chicago.