'How much does a new roof cost?' is the most common question we hear from Central Texas homeowners. The answer isn't simple—roof replacement costs vary significantly based on home size, material choice, roof complexity, and current market conditions.
This comprehensive 2025 pricing guide breaks down everything you need to know about roof replacement costs in Austin, San Antonio, Round Rock, Georgetown, and surrounding Central Texas communities. We'll cover real-world pricing, hidden costs, financing options, and how to get the best value for your investment.
Quick Answer: Average Roof Replacement Costs in Central Texas
Before diving into details, here are typical costs for a complete roof replacement in the Austin metro area in 2025:
By Home Size:
- 1,500 sf home: $8,500 - $13,500 (architectural shingles)
- 2,000 sf home: $11,000 - $17,000 (architectural shingles)
- 2,500 sf home: $13,500 - $21,000 (architectural shingles)
- 3,000 sf home: $16,000 - $25,000 (architectural shingles)
- 4,000 sf home: $21,000 - $33,000 (architectural shingles)
By Material Type (2,000 sf home):
- 3-Tab Shingles: $8,500 - $12,000
- Architectural Shingles: $11,000 - $17,000
- Impact-Resistant Shingles: $13,000 - $20,000
- Premium Designer Shingles: $16,000 - $25,000
- Metal Roofing: $18,000 - $35,000
- Tile Roofing: $22,000 - $40,000+
Average Cost Per Square Foot in Central Texas:
- Economy: $5.50 - $7.50 per sf
- Mid-Grade: $7.50 - $11.00 per sf
- Premium: $11.00 - $17.00+ per sf
Get an instant estimate for your home →
Now let's break down exactly what goes into these costs and how to plan your budget.
Understanding Roof Pricing: Square Footage vs. Roofing Squares
Before getting quotes, understand how roofers measure and price roofs.
What is a 'Roofing Square'?
A roofing square = 100 square feet of roof surface area.
Example Calculation:
- Home footprint: 2,000 sf
- Single-story with 5:12 pitch
- Actual roof area: ~2,400 sf (accounting for slope and overhangs)
- Roofing squares: 24 squares
Why Roof Area ≠ Home Square Footage:
- Roof Pitch: Steeper roofs have more surface area
- Overhangs: Eaves and rakes add square footage
- Complexity: Valleys, dormers, and features increase area
- Multiple Stories: Two-story homes may have less roof area than single-story
Typical Roof Area Multipliers:
- Ranch (4:12 pitch or less): Home sf × 1.1-1.2
- Two-story (6:12 pitch): Home sf × 0.6-0.7
- Steep pitch (8:12+): Home sf × 1.3-1.5
Average Roof Sizes by Home Type in Central Texas
Single-Story Homes:
- 1,500 sf home = 18-20 roofing squares
- 2,000 sf home = 24-26 roofing squares
- 2,500 sf home = 30-32 roofing squares
- 3,000 sf home = 36-38 roofing squares
Two-Story Homes:
- 2,000 sf home = 14-16 roofing squares
- 2,500 sf home = 17-19 roofing squares
- 3,000 sf home = 20-22 roofing squares
- 4,000 sf home = 26-30 roofing squares
Detailed Cost Breakdown by Home Size
1,500 Square Foot Home
Typical Specs:
- Single-story ranch or cottage
- 18-20 roofing squares
- Standard 4:12 to 6:12 pitch
- 2 valleys, 1 chimney, 3-4 vents
Architectural Shingles (Most Popular):
-
Low End: $8,500 - $10,500
- Economy architectural shingles
- Standard underlayment
- Basic ventilation
- 10-year labor warranty
-
Mid Range: $10,500 - $11,500
- Quality architectural shingles (Owens Corning, GAF)
- Synthetic underlayment
- Ridge vent system
- 15-year labor warranty
-
High End: $11,500 - $13,500
- Premium architectural shingles (CertainTeed Landmark)
- Ice & water shield entire roof
- Upgraded ventilation system
- 25-year labor warranty
Other Material Options:
- 3-Tab Shingles: $6,500 - $8,500
- Impact-Resistant: $10,000 - $13,000
- Metal Roofing: $13,500 - $22,000
- Tile Roofing: $18,000 - $28,000
What's Included: ✓ Complete tear-off of old roof ✓ New underlayment ✓ New shingles/material ✓ New ridge cap ✓ New starter shingles ✓ Drip edge ✓ Valley flashing ✓ Pipe boot seals ✓ Disposal of old materials ✓ Cleanup ✓ Permits and inspections
2,000 Square Foot Home
Typical Specs:
- Single-story or small two-story
- 22-26 roofing squares
- Various roof pitches
- 3-4 valleys, 1-2 chimneys, 4-6 vents
Architectural Shingles Breakdown:
Economy Package: $11,000 - $13,000
- GAF Timberline HDZ or equivalent
- Standard felt underlayment
- Basic ventilation upgrade
- 1-year labor warranty
- Standard cleanup
Mid-Grade Package: $13,000 - $15,000
- Owens Corning Duration or CertainTeed Landmark
- Synthetic underlayment entire roof
- Ridge vent system
- Ice & water shield in valleys
- 10-year labor warranty
- Detailed cleanup and haul-off
Premium Package: $15,000 - $17,000
- CertainTeed Landmark Premium
- Ice & water shield entire roof deck
- Advanced ventilation system
- Upgraded flashing systems
- 25-year labor warranty
- Enhanced aesthetics and performance
Learn more about our roof replacement process →
Other Material Costs:
-
3-Tab Shingles: $8,500 - $12,000
-
Impact-Resistant (Class 4): $13,000 - $20,000
- Important for hail insurance discounts
- Can save 10-30% on insurance premiums
-
Designer Shingles: $16,000 - $25,000
- Luxury appearance
- Enhanced curb appeal
- Longer warranties
-
Standing Seam Metal: $18,000 - $35,000
- 40-60 year lifespan
- Energy efficient
- Low maintenance
-
Concrete Tile: $22,000 - $40,000+
- 50+ year lifespan
- Excellent for Texas heat
- Heavy (requires structure evaluation)
2,500 Square Foot Home
Typical Specs:
- Single-story ranch or two-story
- 28-32 roofing squares
- Complex roof lines common
- 4-6 valleys, 2 chimneys, 6-8 vents
Architectural Shingles Pricing:
Budget-Friendly: $13,500 - $16,500
- Entry-level architectural shingles
- Mixed felt/synthetic underlayment
- Standard ventilation
- Basic 1-year labor warranty
- Industry-standard materials
Most Popular: $16,500 - $18,500
- Mid-grade architectural shingles
- Full synthetic underlayment
- Complete ridge vent system
- Ice & water shield critical areas
- 10-15 year labor warranty
- Quality materials throughout
High-End: $18,500 - $21,000
- Premium lifetime architectural shingles
- Ice & water shield entire roof
- Premium ventilation system
- All upgrades included
- 25-year labor warranty
- Enhanced curb appeal
Material Alternatives:
- 3-Tab Economy: $10,500 - $14,000
- Impact-Resistant: $16,000 - $24,000
- Premium Designer: $20,000 - $30,000
- Metal Roofing: $22,000 - $42,000
- Tile Roofing: $27,000 - $50,000+
3,000 Square Foot Home
Typical Specs:
- Large single-story or two-story
- 34-38 roofing squares
- Often complex roof design
- 5-8 valleys, 2-3 chimneys, 8-10 vents
Architectural Shingles Options:
Standard Package: $16,000 - $19,000
- Basic architectural shingles
- Standard underlayment package
- Adequate ventilation
- 1-year labor warranty
- Meets building codes
Preferred Package: $19,000 - $22,000
- Quality architectural shingles (Owens Corning Duration, GAF Timberline HDZ)
- Synthetic underlayment throughout
- Optimal ridge vent system
- Ice & water shield in all valleys and eaves
- 10-15 year labor warranty
- Manufacturer certification available
Premium Package: $22,000 - $25,000
- Top-tier architectural shingles (CertainTeed Landmark Premium, Owens Corning TruDefinition Duration)
- Full ice & water shield coverage
- Maximum ventilation system
- Premium flashing details
- 25-year labor warranty
- Enhanced manufacturer warranties
Other Materials for 3,000 sf Home:
- 3-Tab Shingles: $12,500 - $17,000
- Impact-Resistant: $19,000 - $28,000
- Designer Shingles: $24,000 - $36,000
- Metal Roofing: $27,000 - $51,000
- Tile Roofing: $33,000 - $60,000+
4,000 Square Foot Home
Typical Specs:
- Large two-story or sprawling ranch
- 44-50 roofing squares
- Very complex roof systems
- Multiple levels, 6-10 valleys
- 3-4 chimneys, 10-15 vents
Architectural Shingles Pricing:
Basic Package: $21,000 - $25,000
- Economy architectural shingles
- Standard materials throughout
- Code-compliant installation
- 1-year labor warranty
Standard Package: $25,000 - $29,000
- Mid-grade architectural shingles
- Synthetic underlayment
- Full ventilation upgrade
- Ice & water where needed
- 10-year labor warranty
Premium Package: $29,000 - $33,000
- Premium architectural shingles
- Full synthetic underlayment
- Complete ice & water protection
- Maximum ventilation
- All upgrades included
- 25-year labor warranty
Material Options:
- 3-Tab Shingles: $16,500 - $22,000
- Impact-Resistant: $25,000 - $37,000
- Designer Premium: $32,000 - $48,000
- Metal Roofing: $36,000 - $68,000
- Tile Roofing: $44,000 - $80,000+
Material Cost Comparison
Asphalt Shingles (Most Common in Central Texas)
3-Tab Shingles
- Cost: $85-$120 per square ($0.85-$1.20 per sf)
- Total Installed: $5.50-$7.50 per sf
- Lifespan: 15-20 years in Texas
- Warranty: 20-25 years manufacturer
- Best For: Budget-conscious, rental properties
- Pros: Lowest upfront cost, easy to install
- Cons: Shorter lifespan, less wind resistance, basic appearance
Architectural/Dimensional Shingles
- Cost: $110-$160 per square ($1.10-$1.60 per sf)
- Total Installed: $7.50-$11.00 per sf
- Lifespan: 25-30 years in Texas
- Warranty: 30-50 years manufacturer
- Best For: Most residential homes
- Pros: Great value, attractive, widely available
- Cons: None significant for most homeowners
Impact-Resistant Shingles (Class 4)
- Cost: $130-$200 per square ($1.30-$2.00 per sf)
- Total Installed: $8.50-$12.50 per sf
- Lifespan: 25-35 years
- Warranty: 30-50 years + enhanced hail coverage
- Insurance Discount: 10-30% on premiums
- Best For: Hail-prone areas (entire Central Texas!)
- Pros: Insurance savings, superior protection, peace of mind
- Cons: Higher upfront cost (offset by insurance savings)
Designer/Premium Shingles
- Cost: $180-$280 per square ($1.80-$2.80 per sf)
- Total Installed: $11.00-$17.00 per sf
- Lifespan: 30-50 years
- Warranty: Lifetime limited
- Best For: Luxury homes, high curb appeal priority
- Pros: Beautiful appearance, longest lifespan, best warranties
- Cons: Highest cost, overkill for average homes
Metal Roofing
Corrugated/Agricultural Metal
- Cost: $150-$250 per square
- Total Installed: $9.00-$14.00 per sf
- Lifespan: 30-40 years
- Best For: Barns, sheds, modern industrial aesthetic
- Pros: Affordable metal option, long-lasting
- Cons: Noisy, less attractive, exposed fasteners
Standing Seam Metal
- Cost: $300-$500 per square
- Total Installed: $12.00-$20.00 per sf
- Lifespan: 40-70 years
- Warranty: 30-50 years paint, 20-30 years panel
- Best For: Modern homes, environmentally-conscious
- Pros: Longest lifespan, energy efficient, recyclable, beautiful
- Cons: High cost, requires skilled installer, can dent
Metal Tile/Shake Profiles
- Cost: $350-$650 per square
- Total Installed: $14.00-$25.00 per sf
- Lifespan: 50+ years
- Best For: Traditional homes wanting metal benefits
- Pros: Looks like tile/wood, metal performance
- Cons: Very expensive, limited availability
Tile Roofing
Concrete Tile
- Cost: $400-$600 per square
- Total Installed: $13.00-$18.00 per sf
- Lifespan: 50+ years
- Best For: Spanish/Mediterranean homes, hot climates
- Pros: Extremely durable, fire-resistant, energy-efficient
- Cons: Very heavy (requires structure evaluation), expensive
Clay Tile
- Cost: $600-$1,000+ per square
- Total Installed: $18.00-$30.00+ per sf
- Lifespan: 75-100+ years
- Best For: Luxury homes, historic properties
- Pros: Most durable, beautiful, low maintenance
- Cons: Most expensive, very heavy, fragile when walked on
Specialty Materials
Synthetic Slate
- Cost: $500-$800 per square
- Total Installed: $15.00-$25.00 per sf
- Lifespan: 50+ years
- Pros: Looks like real slate, lighter weight
- Cons: Expensive, less traditional
Cedar Shake/Shingles
- Cost: $450-$750 per square
- Total Installed: $14.00-$22.00 per sf
- Lifespan: 25-40 years
- Pros: Beautiful natural look
- Cons: High maintenance, fire concerns, not ideal for Texas climate
What's Included in Roof Replacement Cost?
Understanding what you're paying for helps you compare quotes accurately.
Standard Inclusions
1. Old Roof Removal (Tear-Off)
- Cost: $1.00-$1.75 per sf
- Removing old shingles, felt, nails
- Inspecting decking
- Proper disposal
2. Roof Decking Repairs
- Cost: $50-$75 per 4×8 sheet
- Replacing rotted or damaged plywood
- Usually 1-6 sheets needed
- More in older homes or water damage
3. Underlayment
- Felt Paper: $0.15-$0.25 per sf (basic)
- Synthetic: $0.40-$0.65 per sf (recommended)
- Ice & Water Shield: $0.75-$1.25 per sf (critical areas)
4. Drip Edge
- Cost: $2.00-$4.00 per linear foot
- Required by code in most areas
- Protects fascia from water damage
- Usually 150-250 linear feet per home
5. Starter Shingles
- Cost: $1.50-$3.00 per linear foot
- Special shingles at eaves and rakes
- Prevents wind uplift
- Ensures proper adhesion
6. Ridge Cap Shingles
- Cost: $3.00-$6.00 per linear foot
- Caps ridge line
- Typically 40-80 linear feet
- Critical for waterproofing
7. Valley Flashing
- Cost: $8.00-$15.00 per linear foot
- Metal or ice & water shield
- High-wear area requiring extra protection
- Usually 20-60 linear feet per roof
8. Pipe Boots/Vent Flashing
- Cost: $15-$35 per boot
- Seals around plumbing vents
- Usually 3-8 per home
- Prevents common leak points
9. Ventilation
- Ridge Vent: $4-$8 per linear foot
- Box Vents: $35-$75 each
- Soffit Vents: $3-$6 per linear foot
- Essential for attic health and roof longevity
10. Labor
- Cost: $2.00-$4.50 per sf
- Skilled installation crew
- Project supervision
- Quality control
11. Permits and Inspections
- Cost: $150-$500
- City building permit
- Required inspections
- Compliance with local codes
12. Debris Disposal
- Cost: $300-$800
- Dumpster rental
- Disposal fees
- Complete site cleanup
13. Workmanship Warranty
- Standard: 1-2 years
- Enhanced: 5-10 years
- Premium: 10-25 years
- Covers installation defects
Common Add-Ons & Upgrades
Attic Insulation
- Cost: $1.50-$3.50 per sf
- Often needed when removing old roof
- Improves energy efficiency
- May be required by code
Gutter Replacement
- Cost: $5-$12 per linear foot
- Seamless aluminum gutters
- Often done with roof replacement
- 150-250 linear feet typical
Fascia Board Replacement
- Cost: $6-$12 per linear foot
- Replaces rotted trim boards
- Found during tear-off
- Common in older homes
Skylight Replacement/Flashing
- Cost: $500-$1,500 per skylight
- Reflashing: $200-$400
- New skylight: $800-$2,000+
- Often advisable during re-roof
Chimney Repointing/Flashing
- Cost: $500-$2,000
- Critical for preventing leaks
- Often needed on older chimneys
- Step flashing and counter flashing
Solar Attic Fan
- Cost: $400-$800 installed
- Reduces attic heat
- Extends roof life
- Lowers cooling costs
Hidden Costs and Surprise Expenses
Budget for potential additional costs that aren't known until tear-off.
Decking Replacement
When Needed:
- Rotted plywood from old leaks
- Sagging or damaged boards
- Water damage in valleys
- Insufficient ventilation damage
Cost Impact:
- Minor: 3-5 sheets = $300-$600 extra
- Moderate: 6-12 sheets = $600-$1,200 extra
- Significant: 13-25 sheets = $1,200-$2,500 extra
- Extensive: 25+ sheets = $2,500-$5,000+ extra
Likelihood:
- New homes (under 15 years): 5-10%
- Older homes (15-30 years): 20-40%
- Very old homes (30+ years): 40-70%
Budget Recommendation: Add 10-15% contingency for decking
Structural Repairs
Rafter Damage:
- Rotted rafters: $200-$500 per rafter
- Sagging ridge: $1,000-$3,000
- Structural beam replacement: $2,000-$8,000
Fascia/Soffit Damage:
- Rotted fascia: $6-$12 per linear foot
- Soffit replacement: $8-$15 per linear foot
- Usually 20-60 linear feet affected
Code Upgrades Required
When Reroofing, Code May Require:
- Secondary water barrier in valleys
- Ice & water shield at eaves
- Increased attic insulation
- Upgraded ventilation system
- Seismic bracing (less common in Texas)
Cost Impact: $500-$2,500 additional
Weather Delays
Impact on Cost:
- Extended dumpster rental: $100-$200 extra
- Additional tarping: $200-$500
- Crew mobilization: Usually absorbed by contractor
Likelihood in Central Texas:
- Spring: High (storms)
- Summer: Low (hot but dry)
- Fall: Moderate (occasional rain)
- Winter: Low (dry season)
Regional Cost Variations in Central Texas
Prices vary by specific city and neighborhood within the region.
Austin Metro Pricing
Downtown/Central Austin:
- Premium: 10-15% above average
- Reasons: Difficult access, parking, HOA requirements
- 2,000 sf home: $12,500-$19,000
North Austin (Round Rock, Pflugerville):
- Standard Pricing: Baseline market rates
- Easy Access: Most contractors based here
- 2,000 sf home: $11,000-$17,000
View Round Rock-specific pricing and details →
South Austin (Buda, Kyle):
- Slightly Lower: 5-8% below Austin average
- Growing Market: More competition
- 2,000 sf home: $10,500-$16,000
West Austin/Hill Country:
- Premium: 15-20% above average
- Travel Time: Extra drive time for crews
- Custom Homes: Often more complex
- 2,000 sf home: $13,000-$20,000
Surrounding Communities
Georgetown:
- Pricing: On par with Round Rock
- 2,000 sf home: $11,000-$17,000
- Many Older Homes: May need more repairs
View Georgetown roofing information →
Cedar Park/Leander:
- Pricing: Standard rates
- 2,000 sf home: $11,000-$17,000
- New Construction: Often less complex
San Antonio:
- Slightly Lower: 10-15% below Austin
- 2,000 sf home: $9,500-$15,000
- More Competition: Larger market
Killeen/Temple:
- Lower Pricing: 15-20% below Austin
- 2,000 sf home: $9,000-$14,000
- Military Community: Competitive market
Cost Influencers by Location
What Drives Regional Variation:
- Local Labor Costs: Higher in Austin metro
- Permit Fees: Vary significantly by city
- HOA Requirements: More stringent in newer developments
- Access: Urban vs. suburban vs. rural
- Competition: More contractors = lower prices
- Market Demand: Austin's booming market drives prices up
Factors That Increase Roof Replacement Cost
Roof Complexity (+20-50%)
Simple Roof (Low Cost):
- Single plane or basic gable
- Few penetrations (3-4 vents)
- No valleys or 1 valley
- Standard pitch (4:12-6:12)
- Easy access
Complex Roof (High Cost):
- Multiple planes and levels
- Many penetrations (8+ vents)
- Multiple valleys (4-8)
- Steep pitch (8:12+)
- Turrets, dormers, unique features
- Difficult access
Cost Impact: 20-50% increase for complex roofs
Steep Pitch (+15-40%)
Pitch Categories:
- Low Slope (3:12-4:12): Standard pricing
- Medium (5:12-7:12): +10-15%
- Steep (8:12-10:12): +25-35%
- Very Steep (11:12+): +35-50%
Why It Costs More:
- Slower installation (safety)
- Additional safety equipment
- More difficult material handling
- Higher risk/insurance costs
Height (+10-25%)
Story Impact:
- Single Story: Standard pricing
- Two Story: +10-15%
- Three Story: +20-30%
Why:
- Additional safety requirements
- Slower material movement
- Equipment rental (scaffolding, lifts)
- Higher insurance costs
Accessibility Issues (+10-30%)
Access Challenges:
- No driveway access (must hand-carry materials)
- Gated community (requires passes, restrictions)
- Tight space between homes
- HOA restrictions on hours/days
- Limited staging area
- Downtown/urban (parking issues)
Material Removal (+15-35%)
Number of Layers:
- One Layer: Standard pricing
- Two Layers: +15-20%
- Three Layers: +30-40%
Note: Most codes now prohibit installing over existing shingles
Old Material Type:
- Shingles: Standard
- Wood Shake: +20-30% (labor-intensive removal)
- Tile: +30-40% (heavy, careful removal needed)
- Slate: +40-50% (specialty handling)
Season & Demand (+5-20%)
Peak Season (March-June, September-October):
- High demand after spring storms
- Contractors booked out weeks
- Prices at highest
- Material shortages possible
Shoulder Season (February, July-August, November):
- Moderate demand
- Standard pricing
- Good availability
Off-Season (December-January):
- Lowest demand
- Best pricing (10-20% discounts possible)
- Best availability
- Ideal if you have flexibility
How to Save Money on Roof Replacement
Smart Strategies (Not Compromises)
1. Time It Right (Save 10-20%)
- Schedule in winter (December-February)
- Book early before storm season
- Get multiple quotes in slow season
- Flexible scheduling = better deals
2. Bundle Projects (Save 5-15%)
- Gutters + roof = discount
- Multiple buildings = better per-roof price
- Siding + roof = combo discount
- Referral rewards for neighbors
3. Choose Mid-Grade Materials (Save 20-30%)
- Skip premium for architectural shingles
- Mid-grade performs nearly as well
- Best value proposition
- Still get manufacturer warranty
4. Keep Existing Ventilation (Save $300-$800)
- If current vents adequate
- Meets code requirements
- No attic issues
- Only replace if needed
5. DIY Cleanup (Save $200-$400)
- Pick up nails with magnetic roller
- Haul smaller debris yourself
- Organize materials area
- Requires time and effort
6. Compare 3-5 Quotes (Save 10-25%)
- Never accept first quote
- Look for value, not just price
- Compare scope carefully
- Negotiate with best contractor
7. Pay Cash (Save 2-4%)
- Avoid credit card fees
- Some contractors offer cash discount
- Financing has interest costs
- Only if you have funds available
8. Insurance Discount Programs
- Impact-resistant shingles: Save 10-30% on insurance
- Fortified Roof certification: Additional 5-15% discount
- Savings continue for life of roof
- Usually pays back within 5-7 years
What NOT to Compromise On
❌ Don't Skip:
- Quality underlayment (false economy)
- Ice & water shield in valleys
- Proper ventilation
- Drip edge
- Workmanship warranty
- Licensed, insured contractor
❌ Don't Fall For:
- 'We'll waive your deductible' (insurance fraud)
- Rock-bottom pricing (corners will be cut)
- No-name materials (warranty issues)
- No contract or vague terms
- 'Storm chaser' pressure tactics
Financing Your Roof Replacement
Payment Options
1. Cash/Savings
- Pros: No interest, no fees, clean transaction
- Cons: Large upfront outlay, depletes emergency fund
- Best For: Those with adequate savings, retirees
2. Home Equity Line of Credit (HELOC)
- Interest Rate: 7-10% currently
- Pros: Lower rate than personal loan, tax-deductible interest
- Cons: Uses your home as collateral
- Best For: Homeowners with equity, need flexibility
3. Home Equity Loan
- Interest Rate: 7-11% currently
- Pros: Fixed rate, predictable payment, tax-deductible
- Cons: Closing costs, uses home as collateral
- Best For: Those wanting fixed payment, have equity
4. Personal Loan
- Interest Rate: 8-20% depending on credit
- Pros: No collateral, quick approval, fixed rate
- Cons: Higher interest rate, shorter terms
- Best For: No home equity, good credit, smaller loans
5. Contractor Financing
- Interest Rate: 0-18% depending on program
- Pros: One-stop-shop, quick approval, promotional rates
- Cons: May be higher rates, limited terms
- Best For: Convenience, promotional 0% APR periods
6. Credit Cards
- Interest Rate: 15-25%
- Pros: Rewards points, quick, no application
- Cons: Highest interest if you can't pay quickly
- Best For: Small repairs, pay off in 1-2 months, rewards optimization
7. Property Assessed Clean Energy (PACE)
- Interest Rate: 6-9%
- Pros: Repay through property taxes, transferable to buyer
- Cons: Limited availability, adds to tax bill
- Best For: Energy-efficient upgrades, staying long-term
Sample Payment Scenarios
$15,000 Roof Replacement:
Cash:
- Pay: $15,000 upfront
- Total Cost: $15,000
HELOC (8%, 10 years):
- Monthly: $182
- Total Cost: $21,840
- Total Interest: $6,840
Personal Loan (12%, 5 years):
- Monthly: $334
- Total Cost: $20,040
- Total Interest: $5,040
Contractor 0% APR (18 months):
- Monthly: $833
- Total Cost: $15,000 (if paid in 18 months)
- Total Interest: $0
- Best short-term option if you can pay it off
Contractor Standard (15%, 5 years):
- Monthly: $357
- Total Cost: $21,420
- Total Interest: $6,420
Tax Benefits
Energy-Efficient Upgrades:
- Federal tax credit: Up to 30% of cost
- Applies to solar reflective (cool) roofing
- Metal roofing often qualifies
- Impact-resistant shingles may qualify
Home Improvement Loan Interest:
- HELOC interest may be tax-deductible
- Home equity loan interest deductible
- Must itemize deductions
- Consult tax professional
Return on Investment (ROI)
Resale Value Impact
National Averages:
- Cost: $15,000 roof replacement
- Home Value Increase: $12,000-$13,500
- ROI: 80-90%
- Recoups: Most of cost at resale
Central Texas Reality:
- Hot Market Boost: Up to 95% ROI in competitive market
- Buyer Expectations: New roof often mandatory in Austin metro
- Negotiating Power: Without new roof, buyers discount $20,000+
- Sale Timeline: Homes with new roofs sell 30% faster
Cost of Waiting
Delaying Necessary Replacement:
Year 1 (Leaking Roof):
- Emergency repairs: $500-$2,000
- Interior damage: $1,000-$5,000
- Lost energy efficiency: $200-$500/year
- Insurance claims: May affect rates
Year 2:
- More repairs: $1,000-$3,000
- Mold remediation: $2,000-$10,000
- Structural damage: $3,000-$15,000
- Reduced home value: $10,000-$30,000
Year 3:
- Major damage: $5,000-$20,000
- Destroyed belongings: Variable
- Health issues: Potential
- Home becoming unsellable
Total 3-Year Cost of Waiting: $12,000-$50,000+ vs. Replacing Now: $15,000
The Math: Waiting costs more than replacing promptly.
Energy Savings
Cool Roof vs. Dark Roof (2,000 sf home):
- Annual cooling cost savings: $200-$500
- 20-year savings: $4,000-$10,000
- Increased HVAC lifespan: +3-5 years = $4,000-$6,000 value
Proper Ventilation:
- Annual savings: $100-$300
- Extended roof life: +5-10 years = $3,000-$7,000 value
Total Energy ROI Over Life of Roof: $7,000-$23,000
Insurance Claim Considerations
When Insurance Covers Roofs
Covered Events:
- ✓ Hail damage
- ✓ Wind damage (missing shingles)
- ✓ Fallen tree damage
- ✓ Fire
- ✓ Lightning strike
- ✓ Vandalism
Not Covered:
- ✗ Wear and tear
- ✗ Lack of maintenance
- ✗ Pre-existing damage
- ✗ Cosmetic issues only
Working with Insurance
Filing Process:
- Report Claim Immediately: Within days of storm
- Document Everything: Photos, videos, storm reports
- Get Professional Inspection: Contractor finds all damage
- Attend Adjuster Visit: Be present with contractor
- Review Estimate: Compare with contractor's scope
- Negotiate Supplement: Submit for missed items
- Complete Work: Use insurance funds for full replacement
Typical Insurance Recovery (After Deductible):
- Small Claim ($10,000 damage, $2,000 deductible): $8,000
- Medium Claim ($18,000 damage, $3,000 deductible): $15,000
- Large Claim ($30,000 damage, $5,000 deductible): $25,000
Read Our Complete Insurance Claims Guide →
Getting Accurate Quotes
What to Ask Every Contractor
Licensing & Insurance:
- 'What's your Texas contractor license number?'
- 'Do you carry $2M+ general liability?'
- 'Do you have workers' compensation insurance?'
- 'Can I verify your insurance directly?'
Experience & Qualifications: 5. 'How many years in business?' 6. 'Are you certified by manufacturers?' 7. 'Can you provide local references?' 8. 'Do you have photos of completed projects?'
Scope & Materials: 9. 'What exactly is included in your quote?' 10. 'What brand and line of shingles?' 11. 'What type of underlayment?' 12. 'Is ice & water shield included, and where?' 13. 'How many layers are you removing?' 14. 'What if you find damaged decking?'
Project Details: 15. 'How long will the project take?' 16. 'How many crew members?' 17. 'Who supervises the job?' 18. 'How do you handle weather delays?'
Warranties & Guarantees: 19. 'What's your labor warranty?' 20. 'What does the manufacturer warranty cover?' 21. 'Are you certified to offer enhanced warranties?' 22. 'What happens if there's an issue after completion?'
Payment & Process: 23. 'What's your payment schedule?' 24. 'Do you handle permits?' 25. 'How do you handle cleanup?' 26. 'Do you offer financing?'
Red Flags in Quotes
❌ Run Away If:
- No physical business address
- Won't provide insurance certificates
- Requires full payment upfront
- Significantly lower than others (30%+ less)
- Pressure tactics or 'today only' pricing
- Can't provide written contract
- No local references available
- Door-to-door after storms
- Offers to 'waive deductible'
Comparing Quotes Apples-to-Apples
Create Comparison Spreadsheet:
| Item | Contractor A | Contractor B | Contractor C | |------|-------------|--------------|--------------| | Total Price | $14,500 | $16,200 | $13,800 | | Price per SF | $7.25 | $8.10 | $6.90 | | Shingle Brand | GAF Timberline | OC Duration | Unknown brand | | Underlayment | Synthetic | Felt | Mixed | | Ice & Water | Valleys only | Full coverage | Valleys only | | Labor Warranty | 5 years | 10 years | 1 year | | Layers Removed | 1 | 1 | 1 | | Permits Included | Yes | Yes | No ($400 extra) | | Timeline | 2 days | 2 days | 1 day (red flag!) | | Reviews | 4.8/5 (200) | 4.9/5 (150) | 4.2/5 (20) | | Insurance Certified | Yes (2M) | Yes (2M) | Can't verify |
Winner: Contractor B (best value for slight premium)
Frequently Asked Questions
How long does a roof replacement take?
Timeline by Home Size:
- 1,500 sf home: 1-2 days
- 2,000 sf home: 2-3 days
- 2,500 sf home: 2-4 days
- 3,000 sf home: 3-5 days
- 4,000+ sf home: 4-7 days
Factors That Extend Timeline:
- Complex roof design: +1-2 days
- Steep pitch: +1 day
- Extensive decking repairs: +1-3 days
- Weather delays: Variable
- Two-story height: +1 day
Typical Schedule:
- Day 1: Tear-off, decking inspection, repairs, underlayment
- Day 2: Shingle installation, finish work
- Day 3 (if needed): Final details, cleanup, inspection
What time of year is cheapest for roof replacement?
Best Pricing: December-February
- Lowest demand period
- Contractors need work
- Can save 10-20% off peak prices
- Best availability for scheduling
Shoulder Season: July-August, November
- Moderate pricing
- Decent availability
- Too hot (July-Aug) or pre-winter (Nov)
Peak Season: March-June, September-October
- Highest prices
- 2-6 week wait times
- After-storm surge pricing
- Material shortages possible
Note: Weather in Central Texas allows year-round roofing, unlike northern climates.
How often should I replace my roof in Texas?
By Material:
- 3-Tab Shingles: 15-20 years
- Architectural Shingles: 20-30 years
- Impact-Resistant: 25-35 years
- Metal Roofing: 40-70 years
- Tile Roofing: 50-100+ years
Texas Climate Impact:
- Intense UV accelerates aging
- Heat causes faster deterioration
- Hail can shorten lifespan significantly
- Expect lower end of manufacturer estimates
Warning Signs to Replace:
- Missing or damaged shingles
- Curling, cupping, or buckling
- Granule loss (bald spots)
- Multiple leaks
- Age over 20 years
- Sagging or structural issues
Can I install a new roof over my old one?
Technical Answer: Possibly, but not recommended
Texas Building Code:
- Most jurisdictions now prohibit it
- Maximum 2 layers allowed (if permitted at all)
- Must meet current code (often impossible with overlay)
- Must be approved by inspector
Why It's a Bad Idea:
- Adds weight to structure
- Hides decking damage
- Reduces new roof lifespan
- Voids or limits warranties
- Makes future replacement more expensive
- Doesn't fix underlying issues
When It Might Be OK:
- One layer of 3-tab shingles existing
- Decking is known to be excellent
- Budget is extremely tight
- Temporary solution (5-7 years max)
Our Recommendation: Always tear off for proper installation
How much does roof decking replacement cost?
Pricing:
- Per Sheet (4×8 OSB/plywood): $50-$75 installed
- Includes: Material, labor, disposal
- Average: 3-8 sheets needed = $300-$1,200
- Extensive: 15-30 sheets = $1,500-$3,500
When Needed:
- Visible rot or water damage
- Soft or spongy areas
- Sagging between rafters
- Previous leak damage
- Inadequate ventilation damage
Not Always Known Until Tear-Off:
- Reputable contractors include allowance
- Others charge as 'extra'
- Ask how this is handled upfront
Is financing available for roof replacement?
Yes, multiple options:
1. Contractor Financing (Most Common)
- Approval: Often same-day
- Terms: 12 months to 10+ years
- Interest: 0% promotional to 15-18%
- Credit Score: 640+ typically required
2. Home Equity
- HELOC or Loan: 7-11% rates
- Terms: Up to 30 years
- Pros: Tax-deductible interest, lower rates
- Cons: Uses home as collateral
3. Personal Loans
- Banks/Credit Unions: 8-15% rates
- Terms: 2-7 years
- Pros: No collateral needed
- Cons: Higher rates than secured loans
4. Credit Cards
- Only For: Small repairs or very short-term
- Pros: Rewards, convenience
- Cons: High interest (15-25%)
Learn More About Financing Options →
Will a new roof lower my insurance premiums?
Yes, potentially significant savings:
Impact-Resistant Shingles:
- Discount: 10-30% on wind/hail portion
- Annual Savings: $200-$800 depending on coverage
- Payback: 3-7 years on upgrade cost
- Lifetime Savings: $4,000-$16,000 over 20 years
New Roof vs. Old:
- 20+ Year Old Roof: May be surcharged 10-20%
- New Roof: Standard rates
- Difference: $150-$500/year
Requirements:
- Proof of installation (receipt, photos)
- Contractor certification
- Material specifications
- May require inspection
Call Your Insurance:
- Get discount in writing
- Apply before installation for maximum benefit
- Ask about all available credits
What roof color is best for Texas heat?
Energy Efficiency Rankings:
Best (Coolest):
- White/Light Gray: Reflects 70-80% of sun
- Light Tan/Beige: Reflects 60-70%
- Light Brown: Reflects 50-60%
- Medium Colors: Reflects 40-50%
- Dark Colors: Reflects 20-30%
Energy Savings (2,000 sf home):
- White vs. Black: $300-$600/year savings
- Light vs. Dark: $150-$300/year
Other Considerations:
- HOA Requirements: May mandate colors
- Aesthetics: Match home style
- Neighborhood: Blend with community
- Resale: Neutral colors sell better
Best Compromise: Light to medium colors in earth tones (tan, brown, gray)
Can I stay in my home during roof replacement?
Yes, absolutely!
What to Expect:
- Noise: Loud during work hours (7am-6pm typically)
- Vibration: Throughout house
- Dust: Minimal inside, more in attic
- Disruption: Access restrictions, driveway use
Recommendations:
- Work from elsewhere if noise-sensitive
- Pets: Keep inside or board for 2-3 days
- Babies/toddlers: Naps will be interrupted
- Elderly: May want to stay elsewhere
- Parking: Move cars from driveway
Contractor Should:
- Work during reasonable hours
- Provide daily cleanup
- Protect landscaping
- Keep work areas safe
- Respect your property
Most Homeowners: Stay in home with minimal issues
Ready to Get Your Roof Replaced?
Now that you understand roof replacement costs in Central Texas, you're ready to get accurate quotes and make an informed decision.
What We Offer:
- Free detailed roof inspection
- Transparent, itemized pricing
- Multiple package options to fit your budget
- Flexible financing with approved credit
- Certified installers
- Comprehensive warranties
- Hundreds of 5-star reviews
Get Your Free Quote:
- No-obligation consultation
- Drone roof inspection
- Detailed written estimate
- Material options explained
- Timeline and process overview
- Insurance claim assistance if needed
Schedule Free Roof Inspection →
Get Instant Estimate →
Call (512) 763-5277
Serving Central Texas Since [Year]:
Austin • San Antonio • Round Rock • Georgetown • Cedar Park • Pflugerville • Leander • Killeen • Temple • And Surrounding Communities
Prices accurate as of November 2025. Market conditions, material costs, and labor rates subject to change. All estimates should be confirmed with licensed contractor.