Estimated cost range
$0
- Roof area (sq ft)
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- Roofing squares
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- Low estimate
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- High estimate
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- Midpoint
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- Amount to finance (after insurance)
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- Monthly at 9.99% over 60 months
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- Monthly at 9.99% over 120 months
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Illustrative only. Not an offer of credit, a quote or financial advice. Lenders and contractors set real prices and rates.
How the roof cost estimate is built
Roofers price by the "square" (100 square feet of roof surface). The calculator estimates your roof's surface from the home's footprint, a pitch multiplier (steeper roofs have more surface than the footprint suggests), and an allowance for overhangs, porches and the garage. It then applies typical installed price ranges per square foot by material, a complexity factor for valleys, dormers and height, and a per-square tear-off cost for each existing layer. The ranges reflect national cost guides and contractor quotes in 2026; your region can sit above or below them.
Typical installed prices used
| Material | Per sq ft, installed | Notes |
|---|---|---|
| Asphalt shingles | $4.50 – $7.50 | Most common; architectural at the upper end |
| Impact-resistant asphalt | $6 – $9 | Insurer discounts in hail states |
| Metal | $9 – $16 | Standing seam at the upper end; 40+ year life |
| Tile | $10 – $20 | Needs structural capacity; common in FL, AZ, CA |
| Slate / synthetic | $15 – $30 | Premium; very long life |
| Flat membrane | $5 – $9 | TPO, EPDM, modified bitumen |
Typical ranges; local labor, material prices and decking repairs move the real number.
Worked example
A 1,800-square-foot footprint with a moderate pitch and 10% overhangs is about 2,200 square feet of roof, or 22 squares. Architectural asphalt on an average-complexity roof with one layer of tear-off estimates at roughly $13,500 to $22,000. If insurance pays $12,000 after a hail claim, the gap to finance on the midpoint is about $5,900: around $125 a month over five years at an illustrative 9.99%. Our guide to how much a new roof costs per month has full payment tables, and the roof financing calculator runs any amount, APR and term.
What the calculator leaves out
- Decking replacement found during tear-off (ask for a per-sheet price in every quote).
- Gutters, skylights, chimney flashing rebuilds and ventilation upgrades.
- Permits, which vary by city, and HOA requirements.
- Regional price differences, which can be 30% either way. Two or three itemized local quotes are the real answer; see roof financing for how to compare them and the financing options behind them.
Frequently asked questions
How much does a new roof cost per square foot?
Installed asphalt shingles commonly run $4.50 to $7.50 per square foot, metal $9 to $16, tile $10 to $20 and slate $15 to $30, with tear-off, complexity and region moving the number.
How do I find my roof's square footage?
Multiply the home's footprint by a pitch factor (about 1.05 for low pitch up to 1.4 for very steep), then add overhangs. Roofers measure precisely; the calculator estimates.
How much does a 2,000 square foot roof cost?
Roughly $9,000 to $15,000 in standard asphalt on a simple roof, more with steep pitch, complexity or premium materials, and more in high-cost regions.
Does insurance cover a new roof?
For storm damage, often most of it, minus the deductible and depreciation held until completion. The calculator lets you enter the insurer's payment to see only the gap. See our guide to roof financing after hail damage.
Can I finance a roof replacement?
Yes: unsecured roof loans, contractor plans and home equity products. The roof financing page compares them with example payments.
Sources and further reading
Primary sources we rely on for this page. Program rules change, so check the source before you rely on a figure.