📊 Cornerstone Report · Updated May 13, 2026

The 2026 NailThePrice Home Cost Index

Real data on what U.S. homeowners pay for 90 home improvement projects across 289 cities.

Published: May 13, 2026 Last updated: May 13, 2026

This report aggregates the NailThePrice cost matrix — 90 home improvement projects across 289 U.S. cities (26,010 project-city price points in total) — into a single statistical overview. These figures are modeled estimates: national project price ranges adjusted for each city's labor and cost-of-living differences, with researched municipal permit data where available and modeled permit estimates elsewhere. Bloggers, journalists, and researchers are welcome to cite this page; a copy-ready citation appears at the bottom.

Top-line stats

The headline numbers from this year's index. Each card links to the underlying project or city page.

Cheapest Project
$215
Biggest Single-City Outlier
$84,140
Largest Regional Spread
1.82x
Install an Electrical Outlet · $170 in Huntington, WV → $310 in New York, NY
Avg Project Cost (National)
$6,100
Mean across all 90 projects in our index
Avg Permit Cost (National)
$300
Mean midpoint across permit-required projects

Top 10 most expensive cities

Average project cost across all 90 projects, compared to the national mean. Click a city to see the full local pricing breakdown.

RankCityStateAvg Project Costvs National
1New YorkNY$7,900+30.2%
2San FranciscoCA$7,800+28.0%
3San JoseCA$7,600+26.2%
4HonoluluHI$7,600+24.7%
5KailuaHI$7,600+24.7%
6CambridgeMA$7,500+24.3%
7FremontCA$7,500+23.9%
8IrvineCA$7,500+23.6%
9YonkersNY$7,500+23.5%
10Pearl CityHI$7,500+23.2%

Top 10 cheapest cities

The lowest-cost cities in our index for the same 90-project basket.

RankCityStateAvg Project Costvs National
1HuntingtonWV$5,200-14.1%
2Fort SmithAR$5,200-13.4%
3JacksonMS$5,300-12.9%
4TopekaKS$5,300-11.9%
5SpringfieldMO$5,300-11.9%
6CharlestonWV$5,300-11.9%
7GulfportMS$5,300-11.7%
8ShreveportLA$5,400-11.4%
9SouthavenMS$5,400-11.4%
10EvansvilleIN$5,400-11.4%

10 projects with the biggest regional cost spread

Where you live matters most for these projects. Spread is the ratio of the most expensive city to the cheapest.

ProjectCheapest CityMost Expensive CitySpread
Install an Electrical OutletHuntington, WV
$170
New York, NY
$310
1.82x
Unclog a Main Sewer LineHuntington, WV
$360
New York, NY
$650
1.81x
Remove a WallHuntington, WV
$2,030
New York, NY
$3,560
1.75x
Fix a Slab LeakHuntington, WV
$2,840
New York, NY
$4,980
1.75x
Refinish Hardwood FloorsHuntington, WV
$2,270
New York, NY
$3,980
1.75x
Paint a House ExteriorHuntington, WV
$2,870
New York, NY
$4,890
1.70x
Repipe a HouseHuntington, WV
$6,160
New York, NY
$10,480
1.70x
Rewire a HouseHuntington, WV
$6,980
New York, NY
$11,870
1.70x
Wire a Hot TubHuntington, WV
$1,480
New York, NY
$2,510
1.70x
Paint Interior RoomsHuntington, WV
$1,480
New York, NY
$2,510
1.70x

Climate zone premium

Average local cost across all 90 projects, grouped by climate. Cold-climate cities carry a labor and weather-window premium; freeze-protection and shorter build seasons drive the gap.

Homeowners in mild climates pay 7.4% more on average than homeowners in hot climates across the same 90 projects. Cold climates carry a labor and weather-window premium; permits, inspections, and freeze-protection requirements add to that gap.
mild
$6,300
76 cities · avg project cost
semi-arid
$6,100
19 cities · avg project cost
cold
$6,100
130 cities · avg project cost
hot
$5,900
64 cities · avg project cost

State averages

All 50 states ranked by the average project cost across cities we sample in that state.

RankStateAbbr.Avg Project CostCities Sampled
1HawaiiHI$7,5003
2District of ColumbiaDC$7,3001
3AlaskaAK$7,3003
4CaliforniaCA$7,00018
5New JerseyNJ$6,9005
6MassachusettsMA$6,8005
7WashingtonWA$6,8009
8MarylandMD$6,7005
9ConnecticutCT$6,5004
10New YorkNY$6,4006
11ColoradoCO$6,4008
12OregonOR$6,3007
13New HampshireNH$6,3003
14VirginiaVA$6,3007
15Rhode IslandRI$6,3003
16VermontVT$6,3002
17MinnesotaMN$6,20024
18IllinoisIL$6,1009
19NevadaNV$6,1004
20GeorgiaGA$6,1008
21FloridaFL$6,10015
22DelawareDE$6,1003
23ArizonaAZ$6,00011
24UtahUT$6,0005
25MaineME$5,9003
26PennsylvaniaPA$5,9005
27New MexicoNM$5,9002
28IdahoID$5,9004
29TexasTX$5,90020
30North CarolinaNC$5,8008
31WisconsinWI$5,8005
32MichiganMI$5,8009
33South CarolinaSC$5,8003
34MontanaMT$5,8003
35WyomingWY$5,7002
36IndianaIN$5,7005
37KentuckyKY$5,7002
38TennesseeTN$5,6006
39KansasKS$5,6004
40MissouriMO$5,6004
41OhioOH$5,6006
42South DakotaSD$5,6002
43LouisianaLA$5,6004
44NebraskaNE$5,6002
45North DakotaND$5,6003
46IowaIA$5,5003
47OklahomaOK$5,5003
48AlabamaAL$5,5005
49ArkansasAR$5,4003
50MississippiMS$5,3003
51West VirginiaWV$5,3002

Permit fee rankings

Top 10 cities by average permit cost across permit-required projects. Cities flagged in red have permits that exceed 10% of average project cost.

RankCityStateAvg Permit CostPermit % of Project
1San FranciscoCA$3002.3%
2FremontCA$3002.4%
3Los AngelesCA$3002.4%
4MiamiFL$3002.7%
5Fort LauderdaleFL$3002.7%
6AnaheimCA$3002.4%
7Santa ClaritaCA$3002.4%
8IrvineCA$3002.4%
9Coral SpringsFL$3002.7%
10Pembroke PinesFL$3002.7%

Methodology

Each project starts with a national price range I set from industry pricing and my own experience in the trades. I adjust that range for your city using two regional factors. The cost-of-living adjustment is the BEA Regional Price Parity (all-items, 2024 release) for your metro, applied at reduced weight on the material side because building materials vary less regionally than overall living costs. The labor adjustment is my own estimate from trade experience and general wage patterns, not computed from a live dataset. These are budgeting estimates, not quotes.

The cost-of-living adjustment is the BEA Regional Price Parity (all-items, 2024 release) for your metro, applied at reduced weight on the material side because building materials vary less regionally than overall living costs.

Permit costs are real municipal fee-schedule data for the cities I've researched directly (currently Minneapolis, Phoenix, and Atlanta). For every other city the permit figure is a modeled estimate, labeled as one. Climate notes: regional groupings used for project recommendations only. They do not affect price.

How to cite this report

Suggested citation

Kovalik, M. (2026). The 2026 NailThePrice Home Cost Index. Kovalik Digital, L.L.C. Retrieved May 13, 2026, from https://nailtheprice.com/2026-cost-index/
URL: https://nailtheprice.com/2026-cost-index/
Publication date: May 13, 2026
Publisher: Kovalik Digital, L.L.C.
Author: Matthew Kovalik
License: Free to cite with attribution. Contact us for syndication or expanded data exports.

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