National home cost bands & regional multipliers
A citable snapshot of Home Cost Atlas 2026 national planning bands for priority projects, plus the distribution of state multipliers used in calculators. Use this page to understand relative scale—not to replace written local bids.
Last reviewed: July 25, 2026 · Cost year: 2026
Q1 priority planning bands
Roofing, HVAC, and window replacement are this quarter's head money clusters. Each band links to the matching cost guide and calculator. Figures are planning estimates—not contractor quotes.
Roof Replacement
Low $9,000Typical $20,000High $32,000
Roof Repair
Low $400Typical $1,200High $3,000
HVAC Replacement
Low $6,500Typical $12,000High $18,000
Window Replacement
Low $4,000Typical $9,000High $15,000
Additional national planning bands
Low, typical, and high figures below are published planning bands from Home Cost Atlas cost guides—not contractor quotes, insurance valuations, or city-level invoices. Open a guide for scope notes and the matching calculator when you know project size.
- Water Heater Replacement
Low $1,200Typical $2,000High $4,500
- Foundation Repair
Low $2,000Typical $7,500High $15,000
- Kitchen Remodel
Low $15,000Typical $35,000High $75,000
- Bathroom Remodel
Low $8,000Typical $20,000High $45,000
- AC Repair
Low $150Typical $450High $1,500
- Plumbing Repair
Low $150Typical $650High $2,500
- Electrical Panel Upgrade
Low $1,500Typical $2,800High $4,500
- Heat Pump Installation
Low $8,000Typical $15,500High $22,000
- Furnace Replacement
Low $3,500Typical $7,500High $12,000
- Siding Replacement
Low $8,000Typical $16,000High $35,000
- Hardwood Flooring Installation
Low $8Typical $14High $22
- Exterior Painting
Low $2,500Typical $5,500High $12,000
Regional multiplier distribution
Calculators apply a state planning multiplier relative to a U.S. national baseline of 1.0×. Across 51 state factors in the current rate book, values span 0.84× to 1.38× (median 1.03×). Multipliers approximate relative cost pressure—they are not ZIP-level quotes.
Below national (≤0.95×)
18 states
Examples: Mississippi, Arkansas, Alabama, West Virginia…
Near national (0.96–1.05×)
10 states
Examples: Georgia, Michigan, North Carolina, Wisconsin…
Above national (1.06–1.20×)
15 states
Examples: Delaware, Florida, Minnesota, Utah…
High-cost markets (>1.20×)
8 states
Examples: Connecticut, New Jersey, Massachusetts, DC…
Public context sources
These U.S. government resources inform labor, inflation, energy-use, and housing-stock context around our planning model. They are not contractor bid samples. Published low / typical / high bands on this page remain Home Cost Atlas's internal planning estimates.
- BLS Occupational Employment and Wage Statistics — construction trade wage context
- BLS Consumer Price Index (CPI-U) — inflation context for model refresh cadence
- EIA Residential Energy Consumption Survey — equipment and energy-use context
- U.S. Census Bureau American Community Survey (housing) — housing-stock context
- DOE Energy Saver — consumer energy and comfort guidance
What these bands mean (and do not mean)
- Do mean: a published planning frame for a defined national scope, reviewed on an editorial schedule and adjusted in calculators with state multipliers from the 2026 rate book.
- Do not mean: a guaranteed price, a contractor bid, an insurance valuation, or a city invoice database.
- Personalize with a calculator when you know size and options, then compare written local quotes for the same scope.
How to cite
When referencing these planning bands externally, link the permanent URL, note the cost year, and state that figures are planning estimates—not quotes. Suggested attribution:
Home Cost Atlas. “National home cost bands & regional multipliers” (2026 planning data; last reviewed July 25, 2026). https://homecost-atlas.com/methodology/national-cost-bands
Permanent URL: https://homecost-atlas.com/methodology/national-cost-bands
Related citation-friendly pages: full methodology, about Home Cost Atlas, estimate vs quote definitions, and repair-versus-replace comparisons.
See also the disclaimer and editorial policy.