Home Replacement Cost Calculator
Estimate the full replacement cost of your home — what it would cost to rebuild it from the ground up at today's construction prices.
Formula
Main Structure Cost = Finished Sq Ft × Quality Base Rate ($/sqft) × Stories Factor × Roof Multiplier × Exterior Multiplier × Regional Cost Index × Age/Complexity Factor
Basement Cost = Basement Sq Ft × Finish Rate ($/sqft) × Regional Cost Index
Garage Cost = Number of Cars × 400 sqft × Rate ($/sqft) × Regional Cost Index
(Attached: $50/sqft; Detached: $60/sqft)
Pool Cost = Selected Pool Base Cost × Regional Cost Index
Debris & Demolition = Subtotal × 7.5%
Total Replacement Cost = Main Structure + Basement + Garage + Pool + Debris
Quality Base Rates: Economy $80 | Standard $110 | Good $150 | Excellent $200 | Luxury $280 per sqft
Stories Factor: 1-story = 1.00 | 2-story = 0.92 | 3+-story = 0.88
(Multi-story homes share foundation/roof costs over more sqft, reducing per-sqft cost)
Age/Complexity Factor: ≤10 yrs = 1.00 | 11–25 = 1.03 | 26–50 = 1.08 | 51–75 = 1.13 | 75+ = 1.18