Free home calculators
A single hub of HomeScore's flagship calculators — HVAC, roof, system lifespan, repair cost, and maintenance budget. 2026 contractor pricing, instant results, no signup required.
Tier 1 · Flagship calculators
Our most-used 2026 home calculators, covering the four highest-impact systems plus a maintenance budget anchor.
HVAC Replacement Cost Calculator
In 2026, replacing a central HVAC system in the U.S. typically costs $7,800–$16,500 installed, with the national median near $11,200 for a 3-ton 16-SEER2 system in a 1,800–2,200 sq ft home.
Roof Replacement Cost Calculator
In 2026, replacing a roof in the U.S. typically costs $9,800–$28,500 installed, with the national median near $14,200 for a 2,000 sq ft home with architectural asphalt shingles.
Home System Lifespan Calculator
In 2026, the median expected lifespan across major home systems is: roof 25 yrs, HVAC 15 yrs, water heater 10 yrs, water heater (tankless) 18 yrs, plumbing supply 50 yrs, and electrical panel 30–40 yrs.
Home Repair Cost Estimator
In 2026, the average U.S. homeowner spends $4,200–$6,800 per year on combined home repair and replacement reserves, or roughly 1.0–1.5% of home value annually.
Annual Home Maintenance Budget Calculator
In 2026, the average U.S. homeowner should budget $1,800–$4,200 annually for routine home maintenance — separate from repair reserves — equal to roughly 0.4–1.0% of home value per year.
Tier 2 · System-specific calculators
Deep-dive calculators for the next five highest-search systems: water, plumbing, windows, electrical, and annual upkeep.
Water Heater Replacement Cost Calculator
In 2026, replacing a water heater in the U.S. typically costs $1,350–$6,800 installed, with the national median near $1,950 for a 50-gallon gas tank and $4,200 for a tankless gas unit.
Plumbing Replacement Cost Calculator
In 2026, repiping a U.S. home typically costs $4,800–$22,000, with the national median near $8,400 for a 2,000 sq ft single-story PEX repipe and $14,500 for copper.
Window Replacement Cost Calculator
In 2026, replacing windows in the U.S. typically costs $480–$2,200 per window installed, with the national median near $720 per vinyl double-hung insert and $1,250 per fiberglass full-frame.
Electrical Panel Upgrade Cost Calculator
In 2026, upgrading an electrical panel in the U.S. typically costs $1,800–$6,500, with the national median near $2,800 for a 100A→200A panel swap and $4,800 for a full service upgrade with new meter and mast.
Annual Home Maintenance Cost Calculator
In 2026, the average U.S. homeowner spends $3,200–$8,400/year on home maintenance, with the national median near $4,800/year for a 2,000 sq ft home aged 15–25 years (roughly 1.0–1.4% of home value).
Quick comparison
| Calculator | Best for | Median answer | Biggest driver |
|---|---|---|---|
| HVAC Replacement Cost Calculator | Free 2026 HVAC replacement cost calculator. | $11,200 (3-ton, 16-SEER2, 1,800–2,200 sq ft home) | Tonnage + SEER2 efficiency tier (each SEER point ≈ $400–$700) |
| Roof Replacement Cost Calculator | Free 2026 roof replacement cost calculator. | $14,200 (2,000 sq ft, architectural asphalt) | Material choice (3× swing between shingles and standing-seam metal) |
| Home System Lifespan Calculator | Free 2026 home system lifespan calculator. | Roof 25 yrs · HVAC 15 yrs · Water heater 10 yrs · Panel 35 yrs | Climate (coastal/heat shortens by 15–25%) and brand tier (premium adds 20–40%) |
| Home Repair Cost Estimator | Free 2026 home repair cost estimator covering 40+ systems. | $5,400/year on a $450,000 home (~1.2% of value) | Home age — costs jump 40–60% between years 15 and 30 |
| Annual Home Maintenance Budget Calculator | Free 2026 home maintenance budget calculator. | $2,800/year on a $450,000 home (0.62%) | Home age + system count (HVAC, water heater, septic, pool each add $200–$600/yr) |
| Water Heater Replacement Cost Calculator | Free 2026 water heater replacement cost calculator. | $1,950 (50-gal gas tank) · $4,200 (tankless gas) | Type (tank vs tankless vs heat pump) + fuel switch (electric→gas adds $1,200–$2,500) |
| Plumbing Replacement Cost Calculator | Free 2026 whole-house plumbing repipe cost calculator. | $8,400 (PEX, 2,000 sq ft) · $14,500 (copper, 2,000 sq ft) | Material (copper costs ~1.7× PEX) + access (slab vs crawl vs basement) |
| Window Replacement Cost Calculator | Free 2026 window replacement cost calculator. | $720 (vinyl insert) · $1,250 (fiberglass full-frame) · $13,800 whole-house (16 windows) | Frame material + install type (full-frame costs ~1.7× pocket insert) |
| Electrical Panel Upgrade Cost Calculator | Free 2026 electrical panel upgrade cost calculator. | $2,800 (100A→200A swap) · $4,800 (full service upgrade) | Service upgrade scope (panel-only vs panel + meter + mast + utility coordination) |
| Annual Home Maintenance Cost Calculator | Free 2026 annual home maintenance cost calculator. | $4,800/year (2,000 sq ft home, 15–25 yrs old) | Home age (homes 25+ yrs cost ~1.7× more) + climate (coastal, hot/dry add 25–40%) |
What makes these different
Most home calculators give you a national average and call it a day. Ours combine 2026 contractor pricing, regional multipliers, and home-specific inputs to produce something you can actually plan against.
2026 contractor pricing
Anchored to the current year — not a 5-year-old national average.
Regional cost adjustments
Northeast, West, Midwest, Southeast, and Southwest multipliers so estimates match your market.
Home-specific inputs
Square footage, system age, and home characteristics drive each estimate — not generic ranges.
Plain-English decisions
Each tool ends with a clear replace, plan, or monitor recommendation — no guesswork.
Confidence bands
Every estimate shows the realistic range you should expect from contractor bids.
Connected guides
Each calculator links to a deeper cost guide and regional report for the full picture.
Frequently asked questions
Want a personalized 5-year forecast?
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