What to Know About Siding Replacement Cost and How to Pay for It in 2026

Siding replacement runs $5,550 to $17,700 for most homes, averaging about $11,600 nationwide. What you’ll actually pay comes down to three things: material, square footage, and location.

And no, you don’t need five figures in cash to pull this off. Financing options, such as home equity loans and HELOCs, allow you to tackle the project now and pay over time.

Costs in this article are sourced from contractor estimates via Angi.

Table of Contents

1. Siding replacement cost at a glance
2. How much does siding replacement cost?
   1. Siding costs by material
   2. Siding costs by home size
   3. Siding costs by location
3. Other factors that affect siding replacement cost
4. Is siding replacement worth the investment?
5. How to pay for siding replacement
   1. Home equity loan
   2. Home equity line of credit (HELOC)
   3. Home equity agreement (HEA)
   4. Other financing options
6. Tips for saving on siding replacement
7. FAQ
   1. Can you install new siding over old siding?
   2. How long does siding replacement take?
   3. Does siding replacement require a permit?
   4. What about lead paint on older homes?

Siding replacement cost at a glance

Cost factor	Amount
National average	$11,600
Typical range	$5,550 – $17,700
Labor costs	$1 – $4 per sq. ft. ($40 to $75/hour)
Permit costs	$150 – $1,500

How much does siding replacement cost?

Expect to spend between $5,550 and $17,700 for a complete siding job. The national average? About $11,600. Labor accounts for $1 to $4 per square foot—or $40 to $75 hourly, depending on where you are.

Then there are permits: anywhere from $150 to $1,500. Smaller jobs sometimes skip the permit process, but call your local building department before you assume yours can.

Siding costs by material

What you pick for material will swing your budget more than anything else. Vinyl sells more than any other option because the price is right, and it doesn’t fall apart after a few years. Fiber cement hits a nice sweet spot—you’ll pay more at the start, but the stuff lasts decades longer than vinyl.

Material	Cost per sq. ft.	Lifespan (yrs.)
Vinyl	$3 – $12	20 – 40
Wood	$1 – $15	20 – 40
Engineered wood	$1 – $6	20 – 40
Aluminum	$3 – $6	20 – 40
Steel	$4 – $16	50
Fiber cement	$5 – $14	50
Stucco	$7 – $9	50+
Brick	$10 – $20	100+
Stone	$7 – $30	100+
Brick/stone veneer	$3 – $11	20 – 100

Siding costs by home size

Your square footage drives the total cost in a pretty straightforward way. Here’s how the math shakes out for vinyl, wood, aluminum, and fiber cement:

• 1,000 sq. ft.: $1,000 to $13,500
• 1,500 sq. ft.: $1,500 to $20,250
• 2,000 sq. ft.: $2,000 to $27,000
• 2,500 sq. ft.: $2,500 to $33,750
• 3,000 sq. ft.: $3,000 to $40,500

Want brick or stone instead? Take those figures and multiply by three, maybe five.

I can speak to this from experience. My 3,100-square-foot ranch in Northern Indiana cost me about $14,000 for siding back in 2022. We went with plain white vinyl on most of the house and added gray shake accents across the front facade. (Stone veneer on the front was billed separately.)

Our costs were higher because we selected premium materials, and COVID-related supply chain issues had driven prices higher at the time.

One note: New-construction siding costs don’t include removal of old siding, underlying repairs, or other tasks that add to the replacement project total.

Siding costs by location

Your zip code changes things more than most people realize. Boston contractors charge Boston rates. Miami contractors don’t. Weather patterns push people toward certain materials in certain regions, and the cost to ship those materials varies, too.

City	Cost range
Boston	$9,800 – $24,300
New York City	$8,300 – $20,500
Chicago	$6,700 – $18,700
Denver	$7,000 – $19,200
Des Moines	$7,600 – $12,900
Los Angeles	$3,200 – $10,100
Miami	$1,800 – $6,300

Other factors that affect siding replacement cost

Several variables beyond material and square footage influence your final bill.
Multi-story homes, dormers, gables, and lots of windows require more labor and custom cuts—so expect design complexity to bump up your quote.

Old siding removal increases the price if your contractor can’t install over the existing material. Most pros recommend removal anyway. Why? Because once those boards come off, they can actually see what’s going on underneath. This can include rot, carpenter ants, and moisture damage—that stuff hides. I’ve heard too many stories from neighbors who budgeted tight and then found a nasty surprise behind the old vinyl. Leave yourself some financial cushion.

Timing your project for late fall or winter can save money. Fewer people want exterior work done when it’s cold out, so contractors sometimes lower their rates to fill the schedule.

Pre-1978 homes present a specific challenge: lead paint. The EPA’s RRP Rule says only certified contractors can handle the removal, and that certification costs money, which gets passed to you.

Is siding replacement worth the investment?

As far as home improvement ROI goes, siding ranks near the top. Remodeling Magazine’s Cost vs. Value Report puts vinyl siding replacement at roughly 80% recouped at resale. Fiber cement performs similarly well.

Curb appeal explains a lot of that return. Look at the data on what projects pay off best, and you’ll notice exterior work dominates—nine out of the top 10 spots.

Here’s another angle worth considering: the U.S. Department of Energy reports that insulated siding shaves 10% to 20% off heating and cooling costs. Uncle Sam might chip in, too—the IRS Energy Efficient Home Improvement Credit reimburses 30% of insulation material costs (capped at $1,200 per year) if you completed the project before the end of 2025.

Curious about other renovations that pay for themselves? We put together a guide on the highest ROI home improvements.

How to pay for siding replacement

Unless you’ve got $10,000 or more in cash sitting around, financing makes the upgrade possible without draining your savings.

Home equity loan

With a home equity loan, you borrow a lump sum at a fixed rate. Your monthly payment stays the same from the first bill to the last. Fixed payments make budgeting straightforward since you already know the project cost upfront.

They’re a good fit if you have solid equity and want predictable payments. We’ve reviewed the top options in our best home equity loans guide, including LendingTree and Spring EQ.

Home equity line of credit (HELOC)

A HELOC works like a credit card backed by your home. You draw funds as needed and only pay interest on what you borrow. Most carry variable rates, though some lenders offer fixed-rate options.

Consider a HELOC if you’re planning to combine siding with other exterior work, like window replacement or painting. See our recommendations for the best HELOCs, featuring lenders like Aven and Figure.

Home equity agreement (HEA)

A home equity agreement provides cash in exchange for a share of your home’s future appreciation. No monthly payments. No interest charges. You settle up when you sell the home or buy out the investor.

HEAs work well for homeowners with lower credit scores (below 700) or those who need to preserve their monthly cash flow. Browse the best home equity agreements from companies like Unlock and Hometap.

Other financing options

• Personal loans offer an unsecured option if you lack home equity. Rates run higher than home equity products, but you won’t put your house on the line.
• Cash-out refinancing works differently—you replace your current mortgage with a bigger one and pocket the difference. The math works when mortgage rates are lower than your current rate.
• Contractor financing sounds convenient, but it often carries higher rates. Read the terms carefully before signing.
• Credit cards should only cover small repairs. The APRs make them impractical for full replacement projects.

Tips for saving on siding replacement

• Get three quotes minimum. Prices vary more than you’d expect.
• Late fall and winter appointments often come with discounts—contractors have lighter schedules and may cut you a deal.
• Consider partial replacement if damage affects only one or two sides of your home.
• Veneers give you the premium look of brick or stone at a fraction of the cost.
• Mix materials strategically. I did this on my own home with white vinyl on most of the house and gray shake accents on the front. The combination added visual interest without the cost of premium materials everywhere.
• And don’t skip the rebate search—manufacturers sometimes offer them, and local utilities may have incentives for insulated siding.

FAQ

Can you install new siding over old siding?

Technically, yes—if the existing siding is flat and dry. But ask a contractor, and they’ll probably talk you out of it. The problem is you can’t see what’s hiding back there—rot, termites, water damage—unless you pull the old siding off first. There’s also the issue of weight and an uneven finished surface if you stack layers.

How long does siding replacement take?

One to two weeks covers most average-sized homes. Complicated rooflines, rain delays, or repairs to the sheathing underneath can stretch that timeline out.

Does siding replacement require a permit?

In most places, yes. Permit fees land anywhere from $150 to $1,500, depending on where you live. Ask your contractor—they deal with local rules all the time—or just pick up the phone and call the building department.

What about lead paint on older homes?

Houses built before 1978 sometimes have lead paint lurking on the original siding. The EPA has strict rules about how contractors remove it—no cutting corners allowed.