These sites may be very helpful to your planning,
Cost to Install Duct - 2015 Cost Calculator (ZipCode based)
Cost of Ductwork - Estimates and Prices Paid - CostHelper.com
Furnace Ductwork Installation Costs-- for Goldenseal Construction Estimating Software
Use all 3 to get a more reasonable high/low and average. They all include some very good articles and links and the first one has a good link specific for whatever your location is. I figure you have just under 1900 square feet with some special needs area, and doubt underground ducting is a viable option but you never know.
Central air and heating is the way to go for my money, long term. I live in the southwest though. Texas to be specific, and you gotta have AIR conditioning!!!
Average unit cost are 5-$7500 bucks without ductwork, depending on size and area of application needs.