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Roof and siding replacement cost calculator

Estimate a roof or siding replacement with installed prices (materials and labor) from published cost guides. Each guide's range is shown on its own line with its update date; nothing is averaged.

Prices checked: November 202613 sources, each shown on its own lineRuns in your browser
What are you pricing?

Roof

Roof size

Enter the area your roof covers seen from above, including the overhangs, if you know it. Otherwise enter your living area and number of stories: we divide living area by stories, which leaves out the overhangs and slightly understates the roof.

Pitch is how many inches the roof rises for every 12 inches across. Use house plans, a roofer's report or a view from the ground or attic; you don't need to go on the roof. If you're not sure, the calculator uses 6:12, the pitch HomeGuide uses in its cost table.

Most roofers include tearing off and hauling away the old roof, but some charge for it separately; ask. The prices here are for one layer, and more layers cost more.

Typical installed price

Each line multiplies your roof or wall area by one guide's installed price range. Roof area is the area the roof covers seen from above times the pitch factor from IKO's table. If you entered living area, we divide it by the number of stories (our rule); that leaves out the overhangs, so the roof area comes out a little low. Tear-off, permits, damaged decking and complex roof shapes can add to the total, and a written quote from a licensed roofer is the number that counts.

Insurance, in general

A deductible is the part of a claim you pay yourself; it can be a flat dollar amount or a percentage of your home's insured value, so on a home insured for $200,000 a 2% deductible is $4,000.

Replacement cost coverage pays to repair or replace at current prices, while actual cash value coverage pays less based on the age and condition of the roof (depreciation).

In a Texas Department of Insurance example, a roof that costs $10,000 to replace, is 20 years old, has an actual cash value of $4,000 and carries a $4,000 deductible gets a payment of $0.

What your policy covers after hail is set by its own terms, so read your declarations page and ask your insurer.

Source: Texas Department of Insurance (deductibles, updated Oct 14, 2024; replacement cost vs. actual cash value, updated Jan 24, 2024; home insurance guide, updated Jun 1, 2026).

Sources

  1. HomeGuide — How Much Does a Roof Replacement Cost? (Nov 7, 2025)
  2. HomeGuide — How Much Do Architectural Roof Shingles Cost? (Nov 7, 2025)
  3. HomeAdvisor — How Much Does Roof Replacement Cost? (updated Jun 17, 2026)
  4. HomeAdvisor — How Much Does a Shingle Roof Replacement Cost in 2026? (updated Jun 17, 2026)
  5. Fixr — How Much Does a Roof Replacement Cost? (updated Feb 4, 2026)
  6. Fixr — How Much Does Asphalt Shingle Roofing Cost? (updated Jan 21, 2026)
  7. This Old House — New Roof Cost Guide (updated Oct 7, 2026; cost data from Homewyse)
  8. Fixr — How Much Does It Cost to Replace Siding? (updated Jan 23, 2026)
  9. HomeGuide — How Much Does House Siding Cost to Install or Replace? (Oct 29, 2025)
  10. IKO — Estimating How Much Roofing Is Required, Table 1 (PDF, no date shown; checked Nov 10, 2026)
  11. Texas Department of Insurance — What to know about deductibles (updated Oct 14, 2024)
  12. Texas Department of Insurance — Home policies: Replacement cost or actual cash value? (updated Jan 24, 2024)
  13. Texas Department of Insurance — Home insurance guide (updated Jun 1, 2026)