Estimate your roof's replacement cost by size and material, plus an illustrative $0-down monthly payment — then compare quotes from licensed, insured local pros.
Last updated June 6, 2026•Reviewed by the Energy Pros editorial team
Asphalt shingle
Metal
Tile
1 story
2+ stories
Estimated roof area
2,340 sq ft
Estimated replacement cost
$10,500–$18,700
Estimated $0-down monthly
$120–$255
Rough estimates for illustration only, based on typical installed price-per-square-foot ranges and a sample 12-year financing term. Your real cost depends on roof size, pitch, material, complexity, region, and a custom quote.
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How this estimate works
The calculator estimates your roof area from your home's footprint and pitch, then applies typical installed price ranges for your chosen material. The monthly figure illustrates a $0-down financing payment over a sample term — useful for planning, not a binding quote.
Why plan a roof replacement before you have to
Replacing proactively is usually cheaper than an emergency replacement, and it matters for insurance: many carriers now cover older roofs at Actual Cash Value (replacement cost minus depreciation) rather than full replacement. Learn how roof insurance is changing →
Planning solar too?
If you're considering solar, replacing an aging roof first avoids paying to remove and reinstall panels later — and you can often finance both together. See how to bundle roof and solar →
This calculator provides rough estimates for educational purposes only and is not a quote, offer, or guarantee of cost, pricing, or financing. Actual cost depends on exact roof measurements, pitch, complexity, material, region, and a custom quote. Energy Pros is not an insurance company, public adjuster, or legal advisor; financing terms vary by credit, lender, and project.
Frequently asked questions
How accurate is the roof replacement calculator?
It's a planning estimate, not a quote. It uses typical installed price-per-square-foot ranges and estimates roof area from your home's footprint and pitch. Actual cost depends on exact measurements, pitch, complexity, material, and region.
How is the monthly payment estimated?
It illustrates a $0-down payment amortized over a sample 12-year term across a range of rates. Real financing terms depend on your credit profile, the lender, and the final project cost.
Does insurance cover roof replacement?
Generally only for covered damage like wind or hail — not age or wear — and older roofs may be paid at Actual Cash Value (minus depreciation). See our guide on ACV vs. Replacement Cost.
Should I replace my roof before solar?
If the roof is aging, usually yes, so you don't pay to remove and reinstall panels later. Many homeowners finance roof and solar together.