2026 Homeownership Cost Reports by State

How much does it cost to replace every major home system in your state? Select any state below to see a full cost breakdown, metro comparisons, and climate risk factors.

50 states covered12 systems tracked159 metro areas516+ data points

Alabama

AL

$71,910

15% below national average

Hot-Humid

Alaska

AK

$114,210

35% above national average

Subarctic / Cold

Arizona

AZ

$80,370

5% below national average

Hot-Dry

Arkansas

AR

$69,372

18% below national average

Mixed-Humid

California

CA

$109,980

30% above national average

Mixed (Coastal to Hot-Dry)

Colorado

CO

$88,830

5% above national average

Cold / Mountain

Connecticut

CT

$101,520

20% above national average

Cold-Humid

Delaware

DE

$88,830

5% above national average

Mixed-Humid

Florida

FL

$84,600

At national average

Hot-Humid

Georgia

GA

$76,140

10% below national average

Hot-Humid

Hawaii

HI

$122,670

45% above national average

Tropical

Idaho

ID

$76,140

10% below national average

Cold / Semi-Arid

Illinois

IL

$88,830

5% above national average

Cold-Humid

Indiana

IN

$74,448

12% below national average

Cold-Humid

Iowa

IA

$71,910

15% below national average

Cold

Kansas

KS

$71,910

15% below national average

Mixed-Dry

Kentucky

KY

$71,910

15% below national average

Mixed-Humid

Louisiana

LA

$74,448

12% below national average

Hot-Humid

Maine

ME

$93,060

10% above national average

Cold

Maryland

MD

$93,060

10% above national average

Mixed-Humid

Massachusetts

MA

$105,750

25% above national average

Cold-Humid

Michigan

MI

$77,832

8% below national average

Cold-Humid

Minnesota

MN

$84,600

At national average

Cold

Mississippi

MS

$67,680

20% below national average

Hot-Humid

Missouri

MO

$74,448

12% below national average

Mixed-Humid

Montana

MT

$80,370

5% below national average

Cold / Semi-Arid

Nebraska

NE

$74,448

12% below national average

Cold

Nevada

NV

$84,600

At national average

Hot-Dry

New Hampshire

NH

$97,290

15% above national average

Cold

New Jersey

NJ

$101,520

20% above national average

Mixed-Humid

New Mexico

NM

$76,140

10% below national average

Hot-Dry / Mountain

New York

NY

$109,980

30% above national average

Cold-Humid

North Carolina

NC

$76,140

10% below national average

Mixed-Humid

North Dakota

ND

$76,140

10% below national average

Cold

Ohio

OH

$76,140

10% below national average

Cold-Humid

Oklahoma

OK

$69,372

18% below national average

Mixed-Dry

Oregon

OR

$88,830

5% above national average

Mixed (Marine to Mountain)

Pennsylvania

PA

$88,830

5% above national average

Cold-Humid

Rhode Island

RI

$99,828

18% above national average

Cold-Humid

South Carolina

SC

$74,448

12% below national average

Hot-Humid

South Dakota

SD

$71,910

15% below national average

Cold

Tennessee

TN

$74,448

12% below national average

Mixed-Humid

Texas

TX

$77,832

8% below national average

Hot (Humid to Dry)

Utah

UT

$80,370

5% below national average

Cold / Semi-Arid

Vermont

VT

$94,752

12% above national average

Cold

Virginia

VA

$84,600

At national average

Mixed-Humid

Washington

WA

$93,060

10% above national average

Mixed (Marine to Cold)

West Virginia

WV

$69,372

18% below national average

Mixed-Humid

Wisconsin

WI

$80,370

5% below national average

Cold

Wyoming

WY

$77,832

8% below national average

Cold / Semi-Arid

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