What is a home replacement cost estimator?

A replacement cost estimator calculates what it would cost to rebuild your home from the ground up at today’s labor and material prices, with the same size and quality, excluding the land. Insurers use it to set your dwelling coverage (Coverage A). This free estimator starts from the Census Bureau’s 2025 median construction cost of $171.57/sq ft, trends it to 2026 and adjusts for your state, size, quality, garage and basement. For a 2,000 sq ft U.S.-average home that is about $356,180.

Is there a free home replacement cost calculator with no registration?

Yes. This calculator is free, needs no sign-up, email or phone number, and runs entirely in your browser. Insurers and agents use licensed tools such as Verisk 360Value or Cotality (formerly CoreLogic) RCT Express, which you usually can’t access directly. Use this estimate to check whether the dwelling limit on your declarations page is in the right range, then ask your agent to rerun their estimator with the details below.

How do I calculate the replacement cost of my home?

Replacement cost = living area (sq ft) × local construction cost per sq ft × quality factor, plus garage, basement and other features. Use finished living area, not the lot size. Example: 2,000 sq ft × $178.09/sq ft (U.S. average) = $356,180. Add a 2-car attached garage (480 sq ft at half the living-area rate) and it is $398,922. In Texas the same house costs $292,068; in California $438,101.

How much does it cost to rebuild a house per square foot in 2026?

About $178 per sq ft on average for standard-quality construction. The Census Bureau’s 2025 survey put the median contract price for a contractor-built house at $171.57/sq ft (average $198.33), and Verisk measured a 3.8% rise in residential reconstruction costs from July 2025 to July 2026. By state it ranges from about $144 (Mississippi and North Carolina) to $219 in California, with Alaska and Hawaii higher still.

How much does it cost to rebuild a 2,000 square foot house?

About $356,180 at the U.S. average for standard quality, or $302,753 for economy construction, $413,169 above average and $534,270 custom. Location matters as much as quality: the same standard house costs about $292,068 in Texas, $309,877 in Florida, $356,180 in Iowa and $438,101 in California, before a garage or basement.

What is the replacement cost of a home in Texas?

Texas has one of the lowest construction cost factors in the country (0.82 of the national average), so a standard home costs about $146/sq ft to rebuild: $292,068 for 2,000 sq ft, or $327,116 with a 2-car garage. Costs in Austin, Dallas or Houston suburbs with higher-end finishes can be 15–50% higher; choose “above average” or “custom” quality, or enter a local builder’s price per sq ft.

How much does it cost to rebuild a house in Iowa?

Iowa sits right at the national average (cost factor 1.00), about $178/sq ft: $356,180 for a 2,000 sq ft standard home. A 1,800 sq ft ranch with an 1,800 sq ft unfinished basement and a 2-car garage comes to about $475,500. The Midwest had the highest median new-home cost per sq ft in the Census 2025 survey ($194.09), so treat the result as a floor if your home has custom features.

What would it cost to rebuild a 2,880 sq ft house in Maryland?

About $497,512 at standard quality (Maryland’s cost factor is 0.97, so $173/sq ft), or $577,114 at above-average quality, before a garage or basement. In Montgomery County communities such as Boyds, larger homes are often built to above-average or custom standards, so a local builder quote or your insurer’s 360Value report is worth comparing.

What is the replacement cost for homes in Oklahoma and Ohio?

Oklahoma (cost factor 0.88) runs about $157/sq ft, so an 1,800 sq ft home in Tulsa costs about $282,095 to rebuild. Oklahoma also had one of the biggest reconstruction cost increases in 2026, 5.11% per Verisk. Ohio (0.93) runs about $166/sq ft; a 2,200 sq ft house with a 2-car garage in a suburb like Brunswick comes to about $404,122.

Can I estimate replacement cost by zip code?

This calculator adjusts by state using the Department of Defense area cost factors, which price local labor, materials and equipment. Within a state, big metro areas usually cost more than rural counties. For a zip-code-level number, enter a recent local builder’s cost per sq ft in the optional field, or ask your insurer for the address-level estimate from Verisk 360Value or Cotality, which price your home’s specific features.

What is the difference between replacement cost and market value?

Market value is what a buyer would pay for your house and land; replacement cost is what a builder would charge to rebuild the house alone. The Insurance Information Institute says to insure for 100% of replacement cost, not market value, because land isn’t destroyed in a fire. In high-priced cities market value can far exceed replacement cost; in many rural areas and older neighborhoods the rebuild can cost more than the house would sell for.

How much dwelling coverage do I need for home insurance?

Enough to rebuild completely: 100% of your home’s replacement cost (III). For a $398,922 estimate that means $399,000 of dwelling coverage (Coverage A). A typical HO-3 policy then sets other structures at 10% ($39,900), personal property at 50–70% ($199,500–$279,300) and additional living expenses at about 20% ($79,800). Add extended replacement cost and ordinance-or-law coverage for a cushion.

What is the 80% rule in homeowners insurance?

Under the standard HO-3 policy, if your dwelling limit is at least 80% of the full replacement cost, partial losses are paid at full replacement cost minus the deductible. Below 80%, the insurer pays the larger of the actual cash value or a proportional share: (limit ÷ 80% of replacement cost) × (loss − deductible). Example: a $400,000 home insured for $280,000 (70%) with a $50,000 loss and $1,000 deductible gets $42,875, not $49,000. At $340,000 of coverage it would get $49,000.

What happens if my home is underinsured and burns down?

You collect no more than your dwelling limit (plus any extended replacement cost), and you pay the rest. A $400,000 home insured for $280,000 that is destroyed leaves a $120,000 gap. This is common: after Colorado’s 2021 Marshall Fire, a Philadelphia Fed study found 74% of policyholders were underinsured and 36% had coverage below three-quarters of their replacement cost.

What is extended replacement cost vs guaranteed replacement cost?

Extended replacement cost pays a set percentage above your dwelling limit, typically 10% to 50% more (III), if rebuilding costs more than expected; on a $399,000 limit, a 25% endorsement provides up to $498,750. Guaranteed replacement cost pays whatever it costs to rebuild with no cap, but few insurers still offer it. Neither covers code upgrades unless you also have ordinance-or-law coverage.

What is ordinance or law coverage and do I need it?

When an old home is rebuilt, current building codes may require upgraded wiring, plumbing, energy efficiency, sprinklers or wind and fire resistance. The standard HO-3 policy includes up to 10% of the dwelling limit ($39,900 on $399,000) for these costs; you can buy more by endorsement. Older homes and homes in hurricane or wildfire zones benefit most.

How do I calculate replacement cost for a condo?

For a condo (HO-6) policy you insure only what you own, usually the interior from the drywall in: cabinets, flooring, fixtures, built-ins and improvements. This calculator prices that at about 34% of a full rebuild per sq ft, based on the NAHB share of interior finishes plus part of the mechanical systems. A 1,200 sq ft Florida condo comes to about $63,215. Check your association bylaws: “bare walls” master policies leave you more to insure, “all-in” policies less.

What is the replacement cost of a manufactured or mobile home?

Much lower per sq ft than site-built homes. The Census Bureau’s 2025 survey put the average new single-section home at $85,600 (1,073 sq ft) and multi-section at $157,100 (1,766 sq ft), including dealer setup but not land, foundation or utility hookups. Trended to 2026 with 15% for site work, a single-wide costs about $102,181 to replace and a double-wide about $187,530.

Which replacement cost estimators do insurers like Travelers, Chubb and AIG use?

Most U.S. insurers price dwelling coverage with commercial estimators such as Verisk’s 360Value or Cotality’s RCT Express (formerly Marshall & Swift/Boeckh and CoreLogic), and high-value insurers like Chubb and AIG often send an appraiser to inspect custom features. These tools are licensed to insurers and agents. You can ask your agent for a copy of the replacement cost report and compare it with this free estimate.

What is a dwelling cost estimator?

It is another name for a replacement cost estimator: it calculates the dwelling coverage (Coverage A) you need to rebuild the main house and attached structures, such as an attached garage. Detached garages, sheds and fences fall under other structures (Coverage B, usually 10% of the dwelling limit), and the contents under personal property (Coverage C).

Is insurable value the same as replacement cost?

Close, but not always. Insurable value is the amount an insurer will let you cover, normally the estimated replacement cost of the structure. Some insurers exclude foundations and underground pipes, which rarely need replacing, and the HO-3 80% rule excludes them when measuring replacement cost. Insurable value never includes the land.

Why did my home’s replacement cost go up in 2026?

Construction costs keep rising. Verisk measured a 3.8% increase in U.S. residential reconstruction costs from July 2025 to July 2026, with increases in every state, led by Kansas (5.33%), Michigan (5.15%) and Oklahoma (5.11%), and forecasts another 1.79% by January 2027. The Census median construction cost rose from $165.15 to $171.57/sq ft between 2024 and 2025. Insurers raise dwelling limits each year with an inflation guard to keep up.

Does an older home have a lower replacement cost?

No. Replacement cost ignores age and depreciation; that is the point of replacement cost coverage. Older homes often cost more to rebuild because of plaster walls, detailed trim, hardwood and code upgrades required when rebuilding. Actual cash value (ACV) policies are the ones that subtract depreciation, which is why they pay less after a loss.

Does replacement cost include the land or demolition?

It excludes land, which does not need replacing. Debris removal after a loss is covered inside the dwelling limit, and the HO-3 policy adds up to 5% of the limit more if removal pushes the total over the limit. The Census contract prices used here cover building the house itself, so very large demolition or site jobs (steep lots, retaining walls) should be added separately.

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Free · No sign-up · 2026 costs

Home Replacement Cost Calculator

Quick answer

Rebuilding a standard-quality house costs about $178 per square foot in 2026, so a 2,000 sq ft home costs about $356,180 to replace ($398,922 with a 2-car garage). By state, the cost runs from about $144/sq ft in Mississippi and North Carolina and $146 in Texas to $219 in California. Insure for 100% of replacement cost, not market value, and never below 80%, or partial claims are paid proportionally.

A free replacement cost estimator for homeowners insurance: enter your square footage, state and construction quality to see what it would cost to rebuild, how much dwelling coverage to carry, and whether your current policy passes the 80% rule.

Census 2025 construction costs, trended to 2026
State cost factors for all 50 states and DC
Houses, townhouses, condo interiors and manufactured homes
Recommended Coverage A–D and an 80% rule claim calculator

Last updated October 2, 2026. Costs from the Census Bureau, NAHB, Verisk and Department of Defense area cost factors; policy terms from the ISO HO-3 form. Educational estimate, not an insurance appraisal. · cost per square foot · the 80% rule

Home Replacement Cost Estimator

Estimate what it would cost to rebuild your home today, how much dwelling coverage to carry, and what the 80% rule would pay on a claim. Free, no sign-up.

Finished living area (sq ft)

Above-grade heated space; not the lot size.

State

Number in brackets = construction cost factor (U.S. = 1.00).

Home type

Construction quality

Attached garage

Basement

Local builder cost per sq ft (optional)

Overrides the built-in rate if a builder quoted you.

Current dwelling coverage (optional)

Extended replacement cost

Estimated replacement cost

$398,922

Range $339,083 – $458,760

Recommended dwelling coverage (A)

$399,000

Rounded up to the next $1,000

Cost per sq ft of living area

$199

Base rate $178.09/sq ft

Living area2,000 sq ft × $178.09	$356,180
Attached 2-car garage480 sq ft × 50% of living-area cost	$42,742
Replacement cost (rebuild, excluding land)	$398,922

Suggested homeowners coverage on $399,000 of dwelling coverage

Dwelling (Coverage A)$399,000

With +25% extended replacementup to $498,750

Building code upgrades (ordinance or law, 10%)$39,900

Extra debris removal (5%)$19,950

Other structures (Coverage B, 10%)$39,900

Personal property (Coverage C, 50–70%)$199,500 – $279,300

Additional living expenses (Coverage D, ~20%)$79,800

Older or historic homes with plaster walls, custom millwork or slate roofs can cost far more per sq ft to rebuild; use the custom tier or a local quote.

How it was calculated

Census 2025 median $171.57/sq ft × 1.038 (Verisk +3.8%) = $178.09/sq ft
× 1.00 U.S. average cost factor × 1 quality = $178.09/sq ft
2,000 sq ft × $178.09 = $356,180
+ garage 480 sq ft × $89.05 = $42,742
Replacement cost $398,922 → round up to $399,000 of dwelling coverage (Coverage A)

U.S. average, 2026

$178/sq ft

Census 2025 median $171.57 + Verisk 3.8%

2,000 sq ft home

$356,180

standard quality, no garage or basement

Rebuild cost change

+3.8%

July 2025 to July 2026 (Verisk)

How to calculate home replacement cost

Replacement cost = living area × cost per sq ft × state factor × quality factor + garage + basement

Cost per sq ft (2026) = $171.57 Census median × 1.038 = $178.09

Dwelling coverage (A) = 100% of replacement cost, rounded up

Where the numbers come from

Base cost: the Census Bureau’s 2025 median contract price for contractor-built houses, $171.57/sq ft. Contract prices exclude land and include the builder’s overhead and profit, which is what a rebuild costs.
Inflation: +3.8%, Verisk’s measured rise in U.S. residential reconstruction costs from July 2025 to July 2026.
State factor: Department of Defense area cost factors (August 2026), which compare local labor, material and equipment prices with the national average.
Quality: above average = 1.16 (Census average ÷ median); economy 0.85, custom 1.5 and luxury 2 are planning assumptions.

Worked example

A 2,000 sq ft house with a 2-car attached garage, standard quality, U.S. average costs:

Census 2025 median $171.57/sq ft × 1.038 (Verisk +3.8%) = $178.09/sq ft
× 1.00 U.S. average cost factor × 1 quality = $178.09/sq ft
2,000 sq ft × $178.09 = $356,180
+ garage 480 sq ft × $89.05 = $42,742
Replacement cost $398,922 → round up to $399,000 of dwelling coverage (Coverage A)

Garages are priced at half the living-area rate and basements at 35% (unfinished) or 60% (finished). These are planning assumptions; a builder quote for your home is more accurate.

Home replacement cost by state (2026)

Standard-quality construction at $178.09/sq ft × the state’s area cost factor. The last column adds a 480 sq ft attached 2-car garage.

State	Cost factor	Cost per sq ft	2,000 sq ft home	With 2-car garage
Alabama	0.85	$151	$302,753	$339,083
Alaska	2.23	$397	$794,281	$889,595
Arizona	0.98	$175	$349,056	$390,943
Arkansas	0.83	$148	$295,629	$331,105
California	1.23	$219	$438,101	$490,674
Colorado	0.97	$173	$345,495	$386,954
Connecticut	1.09	$194	$388,236	$434,825
Delaware	0.98	$175	$349,056	$390,943
District of Columbia	1.02	$182	$363,304	$406,900
Florida	0.87	$155	$309,877	$347,062
Georgia	0.88	$157	$313,438	$351,051
Hawaii	2.14	$381	$762,225	$853,692
Idaho	1.13	$201	$402,483	$450,781
Illinois	1.02	$182	$363,304	$406,900
Indiana	0.95	$169	$338,371	$378,976
Iowa	1.00	$178	$356,180	$398,922
Kansas+5.33% in 2026	0.91	$162	$324,124	$363,019
Kentucky	0.87	$155	$309,877	$347,062
Louisiana	0.85	$151	$302,753	$339,083
Maine	1.08	$192	$384,674	$430,835
Maryland	0.97	$173	$345,495	$386,954
Massachusetts	1.20	$214	$427,416	$478,706
Michigan+5.15% in 2026	1.04	$185	$370,427	$414,878
Minnesota	1.12	$199	$398,922	$446,792
Mississippi	0.81	$144	$288,506	$323,126
Missouri	0.98	$175	$349,056	$390,943
Montana	1.07	$191	$381,113	$426,846
Nebraska	1.00	$178	$356,180	$398,922
Nevada	1.17	$208	$416,731	$466,738
New Hampshire	1.11	$198	$395,360	$442,803
New Jersey	1.18	$210	$420,292	$470,727
New Mexico	0.89	$159	$317,000	$355,040
New York	1.03	$183	$366,865	$410,889
North Carolina	0.81	$144	$288,506	$323,126
North Dakota	1.14	$203	$406,045	$454,771
Ohio	0.93	$166	$331,247	$370,997
Oklahoma+5.11% in 2026	0.88	$157	$313,438	$351,051
Oregon	1.24	$221	$441,663	$494,663
Pennsylvania	1.09	$194	$388,236	$434,825
Rhode Island	1.17	$208	$416,731	$466,738
South Carolina	0.88	$157	$313,438	$351,051
South Dakota	1.01	$180	$359,742	$402,911
Tennessee	0.87	$155	$309,877	$347,062
Texas	0.82	$146	$292,068	$327,116
Utah	1.07	$191	$381,113	$426,846
Vermont	1.05	$187	$373,989	$418,868
Virginia	0.89	$159	$317,000	$355,040
Washington	1.10	$196	$391,798	$438,814
West Virginia	0.94	$167	$334,809	$374,986
Wisconsin	1.11	$198	$395,360	$442,803
Wyoming	1.05	$187	$373,989	$418,868

Area cost factors were built for military construction, so treat them as a guide to relative state costs. Alaska (2.23) and Hawaii (2.14) reflect remote-site shipping and labor, so homes in Anchorage or Honolulu may cost less than shown. Verisk reported reconstruction cost increases in every state in 2026, the largest in Kansas, Michigan and Oklahoma.

Replacement cost by square footage and quality

U.S. average, living area only (add your garage and basement in the calculator).

Living area	Economy (×0.85)	Standard	Above average (×1.16)	Custom (×1.5)
1,000 sq ft	$151,377	$178,090	$206,584	$267,135
1,500 sq ft	$227,065	$267,135	$309,877	$400,703
2,000 sq ft	$302,753	$356,180	$413,169	$534,270
2,142 sq ft (median new home)	$324,248	$381,469	$442,504	$572,203
2,500 sq ft	$378,441	$445,225	$516,461	$667,838
2,880 sq ft	$435,964	$512,899	$594,963	$769,349
3,000 sq ft	$454,130	$534,270	$619,753	$801,405
4,000 sq ft	$605,506	$712,360	$826,338	$1,068,540

The median new single-family home completed in 2025 had 2,142 sq ft of floor area (Census). Multiply by your state’s cost factor from the table above.

Construction cost per sq ft by region (Census 2025)

Region	Median	Average	Median trended to 2026
United States	$171.57	$198.33	$178.09
Northeast	$179.30	$246.26	$186.11
Midwest	$194.09	$202.13	$201.47
South	$157.30	$179.96	$163.28
West	$176.87	$213.85	$183.59

Contract price per sq ft of floor area for contractor-built single-family homes started in 2025, excluding land. 61% of them cost $150/sq ft or more.

Where the money goes when you rebuild

Stage (NAHB 2024)	Share	2,000 sq ft rebuild
Site work (permits, plans, utilities)	7.6%	$27,070
Foundation	10.5%	$37,399
Framing	16.6%	$59,126
Exterior finishes (roof, siding, windows, doors)	13.4%	$47,728
Major systems (plumbing, electrical, HVAC)	19.2%	$68,387
Interior finishes (drywall, cabinets, flooring, appliances)	24.1%	$85,839
Final steps (landscaping, driveway, cleanup)	6.5%	$23,152
Other	2.1%	$7,480

Shares of construction cost from NAHB’s 2024 builder survey, applied to the $356,180 U.S.-average rebuild.

Replacement cost vs market value vs actual cash value

Value	What it measures	Includes land?	Used for
Replacement cost	Cost to rebuild with like kind and quality at today’s prices	No	Dwelling coverage (Coverage A)
Market value	What a buyer would pay for the house and land	Yes	Buying, selling, mortgages
Actual cash value (ACV)	Replacement cost minus depreciation	No	ACV policies, older roofs, the 80% rule fallback
Assessed value	Value set by the county for property tax	Usually yes	Property tax bills
Insurable value	What the insurer will cover, usually replacement cost	No	Setting policy limits

The 80% rule, worked example

$400,000 home, $280,000 dwelling limit (70%), $50,000 kitchen fire, $1,000 deductible:

Insurance-to-value: $280,000 ÷ $400,000 = 70.0%
80% of replacement cost = $320,000
Below 80%: proportional payout = ($50,000 − $1,000) × ($280,000 ÷ $320,000) = $49,000 × 0.8750 = $42,875
Actual cash value option: $35,000 − $1,000 deductible = $34,000
Policy pays the larger of the two: $42,875
Out of pocket: $50,000 − $42,875 = $7,125

Raising the limit to $340,000 (85%) would pay $49,000. The HO-3 form excludes foundations below the basement floor and underground pipes when measuring replacement cost for this test.

Underinsurance on a total loss

A $398,922 rebuild insured for $300,000 is 75% covered. If it burns down, the policy pays at most the limit and the owner is short about $98,922, unless an extended replacement cost endorsement adds 10–50%.

After Colorado’s 2021 Marshall Fire, a Philadelphia Fed study of nearly 5,000 claims found 74% of policyholders were underinsured and 36% had less than 75% of their replacement cost covered; the average coverage ratio was about 87%.

Coverage options that protect a rebuild

Coverage	What it does	Typical amount	On a $399,000 limit
Dwelling (Coverage A)	Rebuilds the house and attached structures	100% of replacement cost	$399,000
Extended replacement cost	Pays above the limit if rebuilding costs more than expected	10–50% above the limit	+$99,750 at 25%
Guaranteed replacement cost	Pays the full rebuild cost with no cap	Unlimited (rarely offered)	Full cost
Ordinance or law	Pays for building code upgrades	10% of A in the HO-3 form	$39,900
Debris removal (additional)	Extra if removal pushes the claim over the limit	5% of A	$19,950
Other structures (B)	Detached garage, shed, fence	10% of A	$39,900
Personal property (C)	Furniture, clothing, electronics	50–70% of A	$199,500–$279,300
Loss of use / ALE (D)	Rent, hotel and meals while you rebuild	About 20% of A	$79,800
Inflation guard	Raises the limits automatically each year	Tracks construction costs	—

Condo replacement cost (HO-6)

Condo owners insure the interior they own; the association’s master policy covers the structure. The calculator prices walls-in coverage at 34% of a full rebuild per sq ft: NAHB’s 24.1% for interior finishes plus half of the 19.2% for plumbing, electrical and HVAC.

A 1,200 sq ft Florida condo comes to about $63,215. Upgraded kitchens and baths can add a lot, so list your improvements, and read the bylaws to see whether the master policy is “bare walls”, “single entity” or “all-in”.

Manufactured home replacement cost

Type (Census 2025)	Avg price	$/sq ft	2026 + site work
Single-section (single-wide), 1,073 sq ft	$85,600	$80	$102,181
Multi-section (double-wide), 1,766 sq ft	$157,100	$89	$187,530

Census prices include dealer setup but not land, foundation, utility hookups or other on-site work; the last column adds 15% for those (an assumption) and the 3.8% cost trend.

How construction costs per square foot have changed

Source	2011	2013	2015	2017	2019	2022	2024
NAHB construction cost / sq ft	$80	$95	$103	$86	$114	$153	$162

NAHB’s builder survey cost per sq ft roughly doubled from 2011 to 2024. The Census median contract price rose from $165.15 (2024) to $171.57 (2025), and Verisk forecasts another 1.79% by January 2027. If your dwelling limit hasn’t changed in years, it is probably too low.

What insurers’ estimators ask for

Finished square footage, number of stories and year built
Foundation type and basement size and finish
Exterior walls (vinyl, brick, stucco, stone) and roof material
Kitchen and bath count and quality, flooring, built-ins
Garage size, decks, porches and fireplaces
Heating and cooling systems, and recent renovations

Verisk 360Value and Cotality RCT Express use these details with local cost data. Ask your agent for the report and correct anything that is wrong.

Why rebuilding can cost more than building new

Rebuilding one house is not the same as a builder putting up a subdivision. Expect extra costs for:

Demolition and debris removal of the damaged house
Current building codes (wiring, energy, wind, wildfire, accessibility)
Custom, one-off work and matching original materials
Demand surge when many homes must be rebuilt after a disaster

That is why extended replacement cost and ordinance-or-law coverage matter.

Limits of this estimate

Uses national and state averages; your city, lot, materials and features can move the true cost by 15% or more either way.
Economy, custom and luxury multipliers, garage and basement rates and the manufactured-home site-work allowance are planning assumptions.
State factors come from military construction pricing, not residential surveys.
Insurers set your dwelling limit with their own estimator; this tool is for checking that number, not replacing it.

Sources

U.S. Census Bureau — Characteristics of New Housing (2025)New single-family homes: completed size, contract price and sales price
Census CHARS — Contract price per square foot of contractor-built homes (XLS)2025 median $171.57 and average $198.33 per sq ft (2024: $165.15 / $184.55), by region; excludes land
Census Manufactured Housing Survey — Annual data2025 average price and floor area of new single- and multi-section homes
Census Manufactured Housing Survey — GlossarySales prices include dealer set-up costs; some occupancy costs not included
NAHB — Cost of Constructing a Home in 2024Construction cost $428,215 (about $162/sq ft) and its breakdown by stage
Department of Defense — PAX Newsletter 3.2.1, Area Cost Factors (UFC 3-701-01), August 2026State construction cost factors relative to the national average (1.00)
Verisk — Reconstruction costs show moderate shifts (2026)Residential reconstruction costs +3.8% July 2025–July 2026; forecast +1.79% to January 2027
ISO HO 00 03 Homeowners 3 sample policy (Triple-I, PDF)Coverage B at 10%, debris removal +5%, ordinance or law 10%, the 80% loss settlement condition
Triple-I — Homeowners Insurance Handbook (PDF)Personal property 50–70%, ALE about 20%, extended replacement cost 10–50% above the limit
Triple-I — How much homeowners insurance do I need?Insure for replacement cost, not market value
Triple-I — Settling insurance claims after a disasterReplacement cost vs actual cash value, extended and guaranteed replacement cost
Federal Reserve Bank of Philadelphia — Coverage Neglect in Homeowner’s Insurance (WP 25-09)74% of Marshall Fire policyholders underinsured; 36% below 75% of replacement cost

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