Average costs for the five biggest home-ownership expenses across all 50 US states and Washington-scale metros, each ranked against the national average. Use them to sanity-check contractor quotes, budget a renovation, or compare states before a move.
Average asphalt-shingle roof replacement (typical single-family home), installed.
| State | Average | vs national |
|---|---|---|
| Mississippi | $7,885 | -17% |
| Arkansas | $8,075 | -15% |
| Oklahoma | $8,075 | -15% |
| Alabama | $8,170 | -14% |
| West Virginia | $8,170 | -14% |
| New Mexico | $8,360 | -12% |
| South Carolina | $8,360 | -12% |
| South Dakota | $8,360 | -12% |
| Kentucky | $8,455 | -11% |
| Tennessee | $8,455 | -11% |
| Kansas | $8,550 | -10% |
| Louisiana | $8,550 | -10% |
| North Carolina | $8,550 | -10% |
| Missouri | $8,645 | -9% |
| Nebraska | $8,645 | -9% |
| Georgia | $8,740 | -8% |
| Iowa | $8,835 | -7% |
| North Dakota | $8,835 | -7% |
| Ohio | $8,835 | -7% |
| Idaho | $8,930 | -6% |
| Indiana | $8,930 | -6% |
| Texas | $8,930 | -6% |
| Wyoming | $8,930 | -6% |
| Arizona | $9,025 | -5% |
| Utah | $9,025 | -5% |
| Nevada | $9,120 | -4% |
| Virginia | $9,120 | -4% |
| Wisconsin | $9,120 | -4% |
| Delaware | $9,310 | -2% |
| Montana | $9,310 | -2% |
| Michigan | $9,405 | -1% |
| Minnesota | $9,500 | +0% |
| Pennsylvania | $9,500 | +0% |
| Florida | $9,690 | +2% |
| Vermont | $9,880 | +4% |
| Colorado | $9,975 | +5% |
| Maine | $9,975 | +5% |
| Illinois | $10,070 | +6% |
| Maryland | $10,070 | +6% |
| Oregon | $10,165 | +7% |
| New Hampshire | $10,260 | +8% |
| Rhode Island | $10,640 | +12% |
| Washington | $10,735 | +13% |
| New Jersey | $11,495 | +21% |
| Connecticut | $11,590 | +22% |
| Massachusetts | $11,780 | +24% |
| New York | $11,970 | +26% |
| Alaska | $12,160 | +28% |
| California | $12,540 | +32% |
| Hawaii | $13,110 | +38% |
Average 150-linear-foot wood privacy fence, installed.
| State | Average | vs national |
|---|---|---|
| Mississippi | $5,312 | -17% |
| Arkansas | $5,440 | -15% |
| Oklahoma | $5,440 | -15% |
| Alabama | $5,504 | -14% |
| West Virginia | $5,504 | -14% |
| New Mexico | $5,632 | -12% |
| South Carolina | $5,632 | -12% |
| South Dakota | $5,632 | -12% |
| Kentucky | $5,696 | -11% |
| Tennessee | $5,696 | -11% |
| Kansas | $5,760 | -10% |
| Louisiana | $5,760 | -10% |
| North Carolina | $5,760 | -10% |
| Missouri | $5,824 | -9% |
| Nebraska | $5,824 | -9% |
| Georgia | $5,888 | -8% |
| Iowa | $5,952 | -7% |
| North Dakota | $5,952 | -7% |
| Ohio | $5,952 | -7% |
| Idaho | $6,016 | -6% |
| Indiana | $6,016 | -6% |
| Texas | $6,016 | -6% |
| Wyoming | $6,016 | -6% |
| Arizona | $6,080 | -5% |
| Utah | $6,080 | -5% |
| Nevada | $6,144 | -4% |
| Virginia | $6,144 | -4% |
| Wisconsin | $6,144 | -4% |
| Delaware | $6,272 | -2% |
| Montana | $6,272 | -2% |
| Michigan | $6,336 | -1% |
| Minnesota | $6,400 | +0% |
| Pennsylvania | $6,400 | +0% |
| Florida | $6,528 | +2% |
| Vermont | $6,656 | +4% |
| Colorado | $6,720 | +5% |
| Maine | $6,720 | +5% |
| Illinois | $6,784 | +6% |
| Maryland | $6,784 | +6% |
| Oregon | $6,848 | +7% |
| New Hampshire | $6,912 | +8% |
| Rhode Island | $7,168 | +12% |
| Washington | $7,232 | +13% |
| New Jersey | $7,744 | +21% |
| Connecticut | $7,808 | +22% |
| Massachusetts | $7,936 | +24% |
| New York | $8,064 | +26% |
| Alaska | $8,192 | +28% |
| California | $8,448 | +32% |
| Hawaii | $8,832 | +38% |
Average full-house window replacement (10 standard double-hung windows), installed.
| State | Average | vs national |
|---|---|---|
| Mississippi | $8,134 | -17% |
| Arkansas | $8,330 | -15% |
| Oklahoma | $8,330 | -15% |
| Alabama | $8,428 | -14% |
| West Virginia | $8,428 | -14% |
| New Mexico | $8,624 | -12% |
| South Carolina | $8,624 | -12% |
| South Dakota | $8,624 | -12% |
| Kentucky | $8,722 | -11% |
| Tennessee | $8,722 | -11% |
| Kansas | $8,820 | -10% |
| Louisiana | $8,820 | -10% |
| North Carolina | $8,820 | -10% |
| Missouri | $8,918 | -9% |
| Nebraska | $8,918 | -9% |
| Georgia | $9,016 | -8% |
| Iowa | $9,114 | -7% |
| North Dakota | $9,114 | -7% |
| Ohio | $9,114 | -7% |
| Idaho | $9,212 | -6% |
| Indiana | $9,212 | -6% |
| Texas | $9,212 | -6% |
| Wyoming | $9,212 | -6% |
| Arizona | $9,310 | -5% |
| Utah | $9,310 | -5% |
| Nevada | $9,408 | -4% |
| Virginia | $9,408 | -4% |
| Wisconsin | $9,408 | -4% |
| Delaware | $9,604 | -2% |
| Montana | $9,604 | -2% |
| Michigan | $9,702 | -1% |
| Minnesota | $9,800 | +0% |
| Pennsylvania | $9,800 | +0% |
| Florida | $9,996 | +2% |
| Vermont | $10,192 | +4% |
| Colorado | $10,290 | +5% |
| Maine | $10,290 | +5% |
| Illinois | $10,388 | +6% |
| Maryland | $10,388 | +6% |
| Oregon | $10,486 | +7% |
| New Hampshire | $10,584 | +8% |
| Rhode Island | $10,976 | +12% |
| Washington | $11,074 | +13% |
| New Jersey | $11,858 | +21% |
| Connecticut | $11,956 | +22% |
| Massachusetts | $12,152 | +24% |
| New York | $12,348 | +26% |
| Alaska | $12,544 | +28% |
| California | $12,936 | +32% |
| Hawaii | $13,524 | +38% |
Average full HVAC system replacement (3-ton AC + furnace), installed.
| State | Average | vs national |
|---|---|---|
| Mississippi | $9,296 | -17% |
| Arkansas | $9,520 | -15% |
| Oklahoma | $9,520 | -15% |
| Alabama | $9,632 | -14% |
| West Virginia | $9,632 | -14% |
| New Mexico | $9,856 | -12% |
| South Carolina | $9,856 | -12% |
| South Dakota | $9,856 | -12% |
| Kentucky | $9,968 | -11% |
| Tennessee | $9,968 | -11% |
| Kansas | $10,080 | -10% |
| Louisiana | $10,080 | -10% |
| North Carolina | $10,080 | -10% |
| Missouri | $10,192 | -9% |
| Nebraska | $10,192 | -9% |
| Georgia | $10,304 | -8% |
| Iowa | $10,416 | -7% |
| North Dakota | $10,416 | -7% |
| Ohio | $10,416 | -7% |
| Idaho | $10,528 | -6% |
| Indiana | $10,528 | -6% |
| Texas | $10,528 | -6% |
| Wyoming | $10,528 | -6% |
| Arizona | $10,640 | -5% |
| Utah | $10,640 | -5% |
| Nevada | $10,752 | -4% |
| Virginia | $10,752 | -4% |
| Wisconsin | $10,752 | -4% |
| Delaware | $10,976 | -2% |
| Montana | $10,976 | -2% |
| Michigan | $11,088 | -1% |
| Minnesota | $11,200 | +0% |
| Pennsylvania | $11,200 | +0% |
| Florida | $11,424 | +2% |
| Vermont | $11,648 | +4% |
| Colorado | $11,760 | +5% |
| Maine | $11,760 | +5% |
| Illinois | $11,872 | +6% |
| Maryland | $11,872 | +6% |
| Oregon | $11,984 | +7% |
| New Hampshire | $12,096 | +8% |
| Rhode Island | $12,544 | +12% |
| Washington | $12,656 | +13% |
| New Jersey | $13,552 | +21% |
| Connecticut | $13,664 | +22% |
| Massachusetts | $13,888 | +24% |
| New York | $14,112 | +26% |
| Alaska | $14,336 | +28% |
| California | $14,784 | +32% |
| Hawaii | $15,456 | +38% |
Average annual full-coverage auto insurance premium.
| State | Average | vs national |
|---|---|---|
| Mississippi | $2,100/yr | -7% |
| Arkansas | $2,100/yr | -7% |
| Oklahoma | $2,400/yr | +7% |
| Alabama | $2,000/yr | -11% |
| West Virginia | $2,000/yr | -11% |
| New Mexico | $2,000/yr | -11% |
| South Carolina | $2,100/yr | -7% |
| South Dakota | $1,800/yr | -20% |
| Kentucky | $2,100/yr | -7% |
| Tennessee | $2,100/yr | -7% |
| Kansas | $2,000/yr | -11% |
| Louisiana | $3,300/yr | +47% |
| North Carolina | $1,900/yr | -16% |
| Missouri | $2,300/yr | +2% |
| Nebraska | $1,900/yr | -16% |
| Georgia | $2,300/yr | +2% |
| Iowa | $1,800/yr | -20% |
| North Dakota | $1,800/yr | -20% |
| Ohio | $1,900/yr | -16% |
| Idaho | $1,700/yr | -24% |
| Indiana | $1,900/yr | -16% |
| Texas | $2,600/yr | +16% |
| Wyoming | $1,900/yr | -16% |
| Arizona | $2,300/yr | +2% |
| Utah | $2,000/yr | -11% |
| Nevada | $2,900/yr | +29% |
| Virginia | $1,900/yr | -16% |
| Wisconsin | $1,900/yr | -16% |
| Delaware | $2,200/yr | -2% |
| Montana | $2,100/yr | -7% |
| Michigan | $3,400/yr | +51% |
| Minnesota | $2,100/yr | -7% |
| Pennsylvania | $2,200/yr | -2% |
| Florida | $3,600/yr | +60% |
| Vermont | $1,700/yr | -24% |
| Colorado | $2,700/yr | +20% |
| Maine | $1,800/yr | -20% |
| Illinois | $2,400/yr | +7% |
| Maryland | $2,400/yr | +7% |
| Oregon | $2,100/yr | -7% |
| New Hampshire | $1,800/yr | -20% |
| Rhode Island | $2,700/yr | +20% |
| Washington | $2,100/yr | -7% |
| New Jersey | $2,900/yr | +29% |
| Connecticut | $2,500/yr | +11% |
| Massachusetts | $2,600/yr | +16% |
| New York | $3,100/yr | +38% |
| Alaska | $2,100/yr | -7% |
| California | $2,600/yr | +16% |
| Hawaii | $2,400/yr | +7% |
Each table shows a state-level installed-cost average for 2026. Real quotes vary with property size, material grade, labour rates and permits — treat these as a mid-range baseline and expect metro areas to run 10–25% above the state figure. Combining tables is the fastest renovation budget: a roof plus windows in Mississippi lands near the national low, while the identical scope in California or Hawaii runs 30%+ above average, mostly from labour rather than materials.
Method: national baseline averages from installed-cost surveys, scaled per state with published regional construction-cost and insurance-rating indices; figures rounded to the nearest dollar.
Mississippi, Arkansas and Oklahoma consistently post the lowest averages across the trades, driven by lower labour rates and lower permitting overhead.
Labour rates, permit fees, climate-driven code requirements (for example hurricane-rated roofs in Florida) and material logistics all shift the state average.
Installed — they include typical labour. An itemised contractor quote should separate the two so you can compare against these baselines.
Insurance pricing follows state tort law, fraud rates, weather exposure and urban density rather than construction labour — which is why Michigan and Florida top that table while construction-cheap states dominate the others.