New Roof and Siding Cost Guide: How Much to Budget

Replacing a roof and siding is one of the most significant home improvement expenses homeowners face. This guide breaks down typical costs, factors that influence pricing, material options, labor considerations, and budgeting strategies to help homeowners make informed decisions. Estimated ranges and cost drivers are highlighted so readers can plan realistically.

Item	Typical Cost Range
Asphalt Shingle Roof (per sq)	$100 – $350
Metal Roof (per sq)	$300 – $900
Vinyl Siding (per sq ft)	$2.50 – $7.50

Average Cost Breakdown For New Roof And Siding

Understanding the combined cost for a new roof and siding requires breaking each into line items. Roofing typically includes materials, underlayment, flashing, tear-off, and labor, while siding includes materials, trim, housewrap, insulation, and labor. Typical combined projects on an average U.S. single-family home range broadly depending on size and materials.

For a 2,000–2,500 sq ft home, homeowners can expect $12,000–$35,000 for mid-range asphalt roofing plus vinyl siding. High-end materials or complex rooflines push totals to $50,000 or more.

Key Factors That Drive Cost

Multiple factors change project pricing. Roof complexity, house size, material choice, regional labor rates, and local code requirements are primary cost drivers. Weather and accessibility (scaffolding or cranes) also affect the final price.

Roof Size And Complexity

Roofers estimate pricing in squares (1 square = 100 sq ft). A large or multi-level roof requires more materials and labor. Steep slopes and many dormers increase labor time and safety needs, raising costs significantly.

Material Selection

Materials vary widely: asphalt shingles are lowest cost, metal and tile are higher, and slate or copper is premium. Longer-lasting materials save money long-term but require higher upfront investment.

Labor And Regional Differences

Labor costs differ by market. Urban areas with higher living costs typically have higher contractor rates. Permits and local building codes can add time and expense.

Roof Material Costs And Lifespans

Choosing roof material is a balance among cost, lifespan, and appearance. The following ranges reflect national averages for installed costs per square (100 sq ft) and typical lifespans.

Material	Installed Cost Per Square	Typical Lifespan
Asphalt Shingles (3-tab)	$100 – $150	15 – 25 Years
Architectural Asphalt	$150 – $300	25 – 30 Years
Metal (Panels or Shingles)	$300 – $900	40 – 70 Years
Wood Shakes	$400 – $700	20 – 40 Years
Tile (Clay or Concrete)	$600 – $1,200	50+ Years
Slate	$800 – $2,000	75+ Years

Warranty quality and material durability should be weighed against the initial outlay when choosing roofing materials.

Siding Material Costs And Characteristics

Siding affects curb appeal, insulation, and maintenance needs. Cost per square foot is a common metric for siding projects; installed prices vary by material and finish.

Siding Type	Installed Cost Per Sq Ft	Maintenance
Vinyl	$2.50 – $7.50	Low
Fiber Cement	$5.50 – $12.00	Moderate
Engineered Wood	$4.50 – $8.50	Moderate
Wood (Cedar)	$6.00 – $15.00	High
Brick Veneer	$6.00 – $20.00	Low

Insulated siding options add R-value, improving energy efficiency while increasing upfront costs.

Estimating Combined Project Costs

To create a rough combined estimate for roof and siding, calculate each separately, then add a contingency. Contractors commonly recommend a 10–20% contingency for hidden damage found during demolition.

1. Measure roof area in squares and multiply by chosen material price per square.
2. Measure wall area in square feet (subtract windows/doors) and multiply by siding price per square foot.
3. Add permit fees, disposal, and potential sheathing replacement.

Example: A 25-square roof with architectural shingles at $200/square = $5,000. Siding for 2,200 sq ft at $6/sq ft = $13,200. Combined base = $18,200. With 15% contingency = ~$20,930.

Common Hidden Costs And Repairs

During replacement, contractors often find issues that increase cost. Rotten decking, termite damage, inadequate flashing, and outdated underlayment are frequent surprises. These repairs can add hundreds to thousands of dollars.

Upgrades such as ice-and-water shields, ridge vents, and upgraded flashings improve durability but raise costs. Removing multiple layers of existing roofing increases disposal charges.

Permits, Inspections, And Warranties

Local building permits and inspections are required in many jurisdictions. Permit fees typically range from $100 to $1,000 depending on project size and locality. Proper permitting reduces liability and ensures code compliance.

Warranties vary: manufacturers offer material warranties, while contractors provide workmanship warranties. Read warranty terms carefully, especially exclusions for improper installation or storm damage.

Financing Options And Cost-Saving Strategies

Several financing methods exist: home equity loans, HELOCs, personal loans, contractor financing, or a cash payment. Tax credits or local incentives may apply when using energy-efficient materials like insulated siding or cool roofs.

Cost-saving strategies include selecting mid-range materials, doing selective repairs rather than full replacement when feasible, and obtaining multiple competitive bids. Bundling roof and siding with the same contractor may also produce a package discount but verify contractor experience in both trades.

How To Get Accurate Bids And Choose A Contractor

Accurate bids require a detailed scope of work. Homeowners should request itemized estimates that list materials, labor, disposal, permits, and timelines. Comparing at least three bids helps identify fair market pricing and reasonable project timelines.

Vet contractors by checking licenses, insurance, references, and online reviews. Verify the contractor will handle permits and inspections and will provide a written contract with payment schedule and warranty details.

Energy And Insurance Considerations

Upgrading roofing and siding can improve insulation and reduce energy bills. Adding insulation, installing a cool roof, or choosing insulated siding increases upfront costs but may qualify for rebates and lower utility bills.

Regarding insurance, some insurers offer discounts for impact-resistant roofing materials. Conversely, filing a claim for storm damage can affect premiums. Review policy limits and deductibles before starting work.

Timeline And Project Management

Typical projects take from several days to a few weeks depending on size and weather. Planning for weather delays and permitting timelines avoids unrealistic expectations. A good contractor will provide a project schedule including demolition, installation, inspections, and cleanup.

Checklist For Homeowners Before Starting

• Get multiple itemized bids and compare scope, materials, and warranties.
• Confirm contractor licensing, insurance, and references.
• Ask about waste removal and site protection for landscaping and windows.
• Discuss permit responsibility and inspection timelines.
• Agree on payment milestones tied to project milestones.

Resources And Tools To Help Plan Costs

Homeowners can use online calculators, local building department fee schedules, and manufacturer cost guides to form estimates. Requesting material samples and visiting local completed projects helps with aesthetic and performance choices.

For complex projects, consider a home inspector or architect to assess structural needs before bids are finalized.

For help finding qualified contractors, use state licensing boards and vetted referral services that verify insurance and complaint histories.

Frequently Asked Questions

How Long Will A New Roof And Siding Last? Lifespan depends on materials chosen: asphalt 15–30 years, metal 40–70 years, fiber cement 30–50 years; siding lifespan varies similarly by material.

Can Both Be Replaced Simultaneously? Yes. Doing both at once can reduce labor mobilization costs and allow for coordinated flashing and trim details that improve waterproofing.

Is It Worth Upgrading To Higher-End Materials? It depends on budget, desired longevity, resale value, and local climate. Higher-end materials often require less maintenance and yield better long-term value.

If additional guidance is needed, homeowners should collect measurements and photos, then request itemized bids from licensed contractors to produce precise estimates for their property.