American Home Maintenance Index 2026
A state-by-state benchmark of the lifetime replacement cost of the 12 major systems every U.S. home depends on.
Published 2026-04-21 · Version 2026.1 · License: CC BY 4.0
Top-line findings
The average U.S. household carries roughly $84,600 in deferred replacement liability across the 12 major home systems. Hawaii homeowners face a 45% premium ($122,670). Mississippi and West Virginia homeowners pay 20% less ($67,680). The 81% spread on identical work — driven by labor scarcity, permitting overhead, and material logistics — is the largest gap we've measured since we began publishing this index.
State-by-state maintenance index
Total lifetime replacement cost for all 12 major systems, adjusted by state cost multiplier.
| Rank | State | Multiplier | 12-System Total | Tier | State report |
|---|---|---|---|---|---|
| 1 | Hawaii | 1.45x | $122,670 | premium | View → |
| 2 | Alaska | 1.35x | $114,210 | premium | View → |
| 3 | California | 1.30x | $109,980 | premium | View → |
| 4 | Massachusetts | 1.25x | $105,750 | premium | View → |
| 5 | Connecticut | 1.20x | $101,520 | premium | View → |
| 6 | New York | 1.18x | $99,828 | above | View → |
| 7 | Washington | 1.15x | $97,290 | above | View → |
| 8 | New Jersey | 1.15x | $97,290 | above | View → |
| 9 | Oregon | 1.12x | $94,752 | above | View → |
| 10 | Maine | 1.10x | $93,060 | above | View → |
| 11 | Maryland | 1.10x | $93,060 | above | View → |
| 12 | Vermont | 1.10x | $93,060 | above | View → |
| 13 | New Hampshire | 1.08x | $91,368 | above | View → |
| 14 | Rhode Island | 1.08x | $91,368 | above | View → |
| 15 | Colorado | 1.05x | $88,830 | above | View → |
| 16 | Illinois | 1.05x | $88,830 | above | View → |
| 17 | Delaware | 1.05x | $88,830 | above | View → |
| 18 | Pennsylvania | 1.02x | $86,292 | average | View → |
| 19 | Virginia | 1.02x | $86,292 | average | View → |
| 20 | Minnesota | 1.00x | $84,600 | average | View → |
| 21 | Florida | 1.00x | $84,600 | average | View → |
| 22 | Utah | 0.98x | $82,908 | average | View → |
| 23 | Arizona | 0.95x | $80,370 | average | View → |
| 24 | Montana | 0.95x | $80,370 | average | View → |
| 25 | Wisconsin | 0.94x | $79,524 | below | View → |
| 26 | Michigan | 0.92x | $77,832 | below | View → |
| 27 | North Carolina | 0.92x | $77,832 | below | View → |
| 28 | Wyoming | 0.92x | $77,832 | below | View → |
| 29 | Nevada | 0.92x | $77,832 | below | View → |
| 30 | Texas | 0.92x | $77,832 | below | View → |
| 31 | Georgia | 0.90x | $76,140 | below | View → |
| 32 | Idaho | 0.90x | $76,140 | below | View → |
| 33 | South Carolina | 0.90x | $76,140 | below | View → |
| 34 | New Mexico | 0.90x | $76,140 | below | View → |
| 35 | North Dakota | 0.90x | $76,140 | below | View → |
| 36 | South Dakota | 0.90x | $76,140 | below | View → |
| 37 | Tennessee | 0.90x | $76,140 | below | View → |
| 38 | Nebraska | 0.88x | $74,448 | below | View → |
| 39 | Indiana | 0.88x | $74,448 | below | View → |
| 40 | Louisiana | 0.88x | $74,448 | below | View → |
| 41 | Missouri | 0.88x | $74,448 | below | View → |
| 42 | Ohio | 0.88x | $74,448 | below | View → |
| 43 | Oklahoma | 0.85x | $71,910 | below | View → |
| 44 | Iowa | 0.85x | $71,910 | below | View → |
| 45 | Kansas | 0.85x | $71,910 | below | View → |
| 46 | Kentucky | 0.85x | $71,910 | below | View → |
| 47 | Alabama | 0.85x | $71,910 | below | View → |
| 48 | Arkansas | 0.82x | $69,372 | value | View → |
| 49 | West Virginia | 0.80x | $67,680 | value | View → |
| 50 | Mississippi | 0.80x | $67,680 | value | View → |
National base costs by system
The 12-system national total of $84,600 breaks down as follows. Multiply each by the state multiplier above for a state-adjusted estimate.
Embed this index on your site
Free to use under CC BY 4.0. Attribution backlink to myhomescore.app is required and included automatically.
<iframe src="https://myhomescore.app/embed/maintenance-index" width="100%" height="640" frameborder="0" style="border:1px solid #e7e5e4;border-radius:12px" title="American Home Maintenance Index 2026 — HomeScore"></iframe> <p style="font-size:12px;color:#78716c;margin-top:6px">Source: <a href="https://myhomescore.app/data/maintenance-index" target="_blank" rel="noopener">American Home Maintenance Index 2026</a> by HomeScore</p>
Methodology
Base costs for each of the 12 major systems were sourced from a composite of NAHB Cost vs. Value, DOE Building America, EPA Energy Star, and HomeScore's proprietary contractor quote dataset (2024–2026 quotes from 50 U.S. metros). State multipliers reflect labor rates, permitting overhead, and material logistics. The index is updated annually each April.
For the full methodology, see our methodology page. For state-specific breakdowns, see the State Cost Reports directory.
Citation
HomeScore. (2026). American Home Maintenance Index 2026. Retrieved from https://myhomescore.app/data/maintenance-index
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