We recently bought a 12 year old well built 2700 ft2 cape style home near the coast in MA. We have baseboard hot water heating from a oil fired boiler. No ducts currently. We are looking to add air conditioning. The attic space is wide open and there are well positioned 2nd floor closets that can provide locations for chases to the first floor.

In this sort of home would it make sense to go with a multi-head mini split system or stick with a conventional A/C with the air handler in the attic? Any guesses on what the cost might run for either? Would it make sense and be cost effective to go with a heat pump for when the outside temps are above 30 degrees or so?

Any suggestions are appreciated.

tk