📊 Cornerstone Report · Updated May 05, 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 05, 2026 Last updated: May 05, 2026

This report aggregates the NailThePrice cost matrix — 91 home improvement projects across 289 U.S. cities (26,299 project-city price points in total) — into a single statistical overview. Numbers are derived from Bureau of Labor Statistics trade wage data, U.S. Census Bureau cost-of-living indices, NOAA climate zone classifications, and municipal permit schedules. 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
$88,720
Largest Regional Spread
1.83x
Unclog a Main Sewer Line · $360 in Huntington, WV → $660 in New York, NY
Avg Project Cost (National)
$6,400
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$8,800+37.1%
2San FranciscoCA$8,600+33.8%
3San JoseCA$8,500+32.7%
4HonoluluHI$8,400+31.2%
5KailuaHI$8,400+30.8%
6CambridgeMA$8,400+30.5%
7Pearl CityHI$8,300+28.9%
8IrvineCA$8,300+28.9%
9FremontCA$8,200+28.6%
10YonkersNY$8,200+28.2%

Top 10 cheapest cities

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

RankCityStateAvg Project Costvs National
1HuntingtonWV$5,400-15.6%
2Fort SmithAR$5,500-14.2%
3JacksonMS$5,500-14.2%
4GulfportMS$5,600-12.9%
5EvansvilleIN$5,600-12.9%
6Fort WayneIN$5,600-12.9%
7CharlestonWV$5,600-12.9%
8SouthavenMS$5,600-12.8%
9TopekaKS$5,600-12.8%
10SpringfieldMO$5,600-12.8%

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
Unclog a Main Sewer LineHuntington, WV
$360
New York, NY
$660
1.83x
Install an Electrical OutletHuntington, WV
$170
New York, NY
$310
1.82x
Fix a Slab LeakHuntington, WV
$2,810
New York, NY
$5,100
1.81x
Refinish Hardwood FloorsHuntington, WV
$2,250
New York, NY
$4,080
1.81x
Remove a WallHuntington, WV
$2,010
New York, NY
$3,640
1.81x
Install an Outdoor OutletHuntington, WV
$280
New York, NY
$500
1.79x
Paint a House ExteriorHuntington, WV
$2,840
New York, NY
$5,040
1.77x
Wire a Hot TubHuntington, WV
$1,460
New York, NY
$2,590
1.77x
Paint Interior RoomsHuntington, WV
$1,460
New York, NY
$2,590
1.77x
Rewire a HouseHuntington, WV
$6,900
New York, NY
$12,230
1.77x

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 9.1% 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
$6,800
76 cities · avg project cost
semi-arid
$6,500
19 cities · avg project cost
cold
$6,500
130 cities · avg project cost
hot
$6,200
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$8,3003
2District of ColumbiaDC$8,0001
3AlaskaAK$8,0003
4CaliforniaCA$7,60018
5MassachusettsMA$7,4005
6New JerseyNJ$7,4005
7WashingtonWA$7,3009
8MarylandMD$7,3005
9ConnecticutCT$7,0004
10New YorkNY$6,9006
11ColoradoCO$6,8008
12OregonOR$6,7007
13VirginiaVA$6,7007
14VermontVT$6,7002
15New HampshireNH$6,7003
16Rhode IslandRI$6,7003
17MinnesotaMN$6,50024
18IllinoisIL$6,5009
19GeorgiaGA$6,5008
20NevadaNV$6,5004
21FloridaFL$6,40015
22DelawareDE$6,4003
23ArizonaAZ$6,40011
24UtahUT$6,3005
25MaineME$6,3003
26New MexicoNM$6,3002
27PennsylvaniaPA$6,2005
28IdahoID$6,2004
29TexasTX$6,20020
30North CarolinaNC$6,2008
31WisconsinWI$6,1005
32MontanaMT$6,1003
33South CarolinaSC$6,1003
34MichiganMI$6,1009
35WyomingWY$6,0002
36IndianaIN$6,0005
37KentuckyKY$6,0002
38KansasKS$5,9004
39TennesseeTN$5,9006
40South DakotaSD$5,9002
41LouisianaLA$5,9004
42MissouriMO$5,9004
43North DakotaND$5,9003
44NebraskaNE$5,9002
45OhioOH$5,8006
46IowaIA$5,8003
47OklahomaOK$5,8003
48AlabamaAL$5,8005
49ArkansasAR$5,7003
50MississippiMS$5,5003
51West VirginiaWV$5,5002

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
1New YorkNY$5002.9%
2San JoseCA$4002.9%
3San FranciscoCA$4002.9%
4HonoluluHI$4002.9%
5KailuaHI$4002.9%
6CambridgeMA$4002.8%
7Pearl CityHI$4002.9%
8IrvineCA$4002.9%
9FremontCA$4002.9%
10Los AngelesCA$4002.8%

Methodology

Labor rates are derived from U.S. Bureau of Labor Statistics Occupational Employment and Wage Statistics for the relevant trades — electricians, plumbers, HVAC mechanics, carpenters, roofers, and general construction laborers. Each city carries a labor multiplier indexed against the national mean wage for those occupations in that metro area.

Cost-of-living indices are derived from U.S. Census Bureau data on regional price parities and metro-level housing and goods costs. We apply this index to the material side of every project (with a 30% material-side scaling), which reflects how local goods, fuel, and disposal costs flow through to a real installed price.

Climate zone classifications follow NOAA climate region groupings (cold / hot / mild / semi-arid). Permit fees are scaled per-city using the cost-of-living index against published municipal permit schedules we maintain in data/permit_data.json. For the full data dictionary, source list, and update cadence, see /methodology/.

How to cite this report

Suggested citation

Kovalik, M. (2026). The 2026 NailThePrice Home Cost Index. Kovalik Digital, L.L.C. Retrieved May 05, 2026, from https://nailtheprice.com/2026-cost-index/
URL: https://nailtheprice.com/2026-cost-index/
Publication date: May 05, 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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