📊 Cornerstone Report · Updated October 23, 2026

The 2026 NailThePrice Home Cost Index

NailThePrice estimates for 90 home improvement projects across 289 cities, as of June 7, 2026. Project pages show observed figures where we have them.

Published: October 23, 2026 Last updated: October 23, 2026

This report aggregates the NailThePrice cost matrix of 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: national project prices adjusted for each city with the trade's local wage (BLS Occupational Employment and Wage Statistics, May 2025) and the local price of goods (BEA Regional Price Parities, 2024). 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
$81,160
Install an Inground Pool in San Jose, CA
Largest Regional Spread
2.00x
Unclog a Main Sewer Line · $330 in Fort Smith, AR → $660 in San Jose, CA
Avg Project Cost (National)
$6,100
Mean across all 90 projects in our index

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
1San JoseCA$7,400+22.7%
2San FranciscoCA$7,400+22.3%
3FremontCA$7,400+22.3%
4FairbanksAK$7,300+20.2%
5HonoluluHI$7,200+18.9%
6Pearl CityHI$7,200+18.9%
7KailuaHI$7,200+18.9%
8ChicagoIL$7,200+18.9%
9NapervilleIL$7,200+18.9%
10AuroraIL$7,200+18.9%

Top 10 cheapest cities

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

RankCityStateAvg Project Costvs National
1El PasoTX$5,000-18.2%
2Fort SmithAR$5,000-17.9%
3Little RockAR$5,100-16.0%
4KilleenTX$5,100-15.0%
5OcalaFL$5,200-14.7%
6AthensGA$5,200-14.6%
7MontgomeryAL$5,200-14.5%
8New BraunfelsTX$5,200-13.9%
9San AntonioTX$5,200-13.9%
10Corpus ChristiTX$5,200-13.8%

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 LineFort Smith, AR
$330
San Jose, CA
$660
2.00x
Fix a Slab LeakFort Smith, AR
$2,620
San Jose, CA
$5,080
1.94x
Repipe a HouseFort Smith, AR
$5,710
San Jose, CA
$10,680
1.87x
Install a French DrainFort Smith, AR
$3,870
San Jose, CA
$6,990
1.81x
Waterproof a BasementFort Smith, AR
$4,260
San Jose, CA
$7,680
1.80x
Remove a WallEl Paso, TX
$1,850
Fairbanks, AK
$3,260
1.76x
Refinish Hardwood FloorsEl Paso, TX
$2,080
Fairbanks, AK
$3,650
1.75x
Add a BathroomFort Smith, AR
$19,670
San Jose, CA
$34,270
1.74x
Install an Outdoor OutletOcala, FL
$270
San Francisco, CA
$470
1.74x
Install Roof VentsEl Paso, TX
$380
Worcester, MA
$650
1.71x

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 cold climates pay 12.7% 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.
cold
$6,200
130 cities · avg project cost
mild
$6,100
76 cities · avg project cost
semi-arid
$5,800
19 cities · avg project cost
hot
$5,500
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$7,2003
2WashingtonWA$7,0009
3AlaskaAK$7,0003
4New JerseyNJ$7,0005
5IllinoisIL$6,9009
6CaliforniaCA$6,80018
7MassachusettsMA$6,7005
8OregonOR$6,6007
9MinnesotaMN$6,60024
10New YorkNY$6,5006
11District of ColumbiaDC$6,3001
12MarylandMD$6,3005
13ConnecticutCT$6,3004
14Rhode IslandRI$6,2003
15WisconsinWI$6,1005
16PennsylvaniaPA$6,1005
17MichiganMI$6,1009
18NevadaNV$6,0004
19ColoradoCO$6,0008
20DelawareDE$6,0003
21New HampshireNH$5,9003
22VermontVT$5,9002
23IndianaIN$5,9005
24MissouriMO$5,9004
25OhioOH$5,8006
26MaineME$5,8003
27MontanaMT$5,8003
28KansasKS$5,8004
29North DakotaND$5,7003
30IowaIA$5,7003
31VirginiaVA$5,7007
32ArizonaAZ$5,60011
33KentuckyKY$5,6002
34IdahoID$5,6004
35UtahUT$5,5005
36New MexicoNM$5,5002
37WyomingWY$5,5002
38NebraskaNE$5,5002
39West VirginiaWV$5,5002
40TennesseeTN$5,5006
41GeorgiaGA$5,5008
42South CarolinaSC$5,5003
43TexasTX$5,50020
44FloridaFL$5,40015
45North CarolinaNC$5,4008
46South DakotaSD$5,4002
47MississippiMS$5,3003
48LouisianaLA$5,3004
49OklahomaOK$5,3003
50AlabamaAL$5,3005
51ArkansasAR$5,1003

Methodology

Each project starts from my national estimate as of June 2026. The index uses estimates for all 90 projects so it compares the same kind of number everywhere; the project pages show observed permit and Census prices where they exist. I adjust each estimate to each city with two factors from federal data. The labor factor is the metro's average hourly wage for the trade that does the job, over the national average for that trade (BLS OEWS, May 2025). The material factor is the metro's Regional Price Parity for goods (BEA, 2024), applied at full strength. The labor and material shares for each project are my own model, not a data source. Cities without a clean metro match use the state's nonmetropolitan area or the neighboring metro, and each one is listed in the data files with the reason.

City permit fees are not part of this index: I only publish a fee where I've read the city's own fee schedule. Climate groupings are for project recommendations only; they don't affect price. Wage factors update each May, material factors each December. These are budgeting estimates, not quotes.

How to cite this report

Suggested citation

Kovalik, M. (2026). The 2026 NailThePrice Home Cost Index. Kovalik Digital, L.L.C. Retrieved October 23, 2026, from https://nailtheprice.com/2026-cost-index/
URL: https://nailtheprice.com/2026-cost-index/
Publication date: October 23, 2026
Publisher: Kovalik Digital, L.L.C.
Author: Matt Kovalik
License: Free to cite with attribution. Contact us for syndication or expanded data exports.

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