Home Replacement Cost Calculator: Global Rebuild Accuracy
Protect your investment with precise rebuild estimates. Our home replacement cost calculator ensures your insurance coverage matches actual reconstruction costs — worldwide, in USD.
What Is Home Replacement Cost?
The home replacement cost is the total expense to rebuild your home from the ground up using current materials and labor — not market value or land cost.
Why Use the Home Replacement Cost Calculator?
- Avoid Under-Insurance — 60% of homes are underinsured by 20%+
- Global USD Estimates — Works anywhere
- Three Modes — Quick, Detailed, Advanced
- Realistic Validation — No 100,000 sq ft mansions
- Insurance-Ready — Matches carrier methodologies
Average Rebuild Costs per Sq Ft (2025)
| Home Type | Cost per Sq Ft | Includes |
|---|---|---|
| Modular / Prefab | $80 – $120 | Basic finishes, slab |
| Standard Single-Family | $120 – $180 | Average materials, 2-story |
| Above Average | $180 – $250 | Brick, granite, upgrades |
| Luxury / Custom | $250 – $450 | Stone, smart home, pool |
| Ultra-Premium | $450 – $800+ | Marble, elevators, safe rooms |
Home Replacement Cost Calculator Components
Structure & Foundation
Slab: $8–$15/sq ft | Basement: $30–$60/sq ft
Exterior & Roof
Vinyl: $4–$8/sq ft | Brick: $15–$30/sq ft | Tile Roof: $12–$25/sq ft
Interior Finishes
Carpet: $3–$6/sq ft | Hardwood: $8–$15/sq ft | Granite: $60–$120/sq ft
Labor & Overhead
40–60% of total cost. Varies by complexity and access.
Pro Tips for Using the Home Replacement Cost Calculator
- Measure living area only — Exclude garage, porch unless finished
- Add 15% contingency — Covers surprises
- Update annually — Construction costs rise 3–7%/year
- Include outbuildings — Sheds, guest houses, pools
- Share with insurer — Request guaranteed replacement cost rider
Get Your Accurate Rebuild Cost Now
Don’t guess. Use the home replacement cost calculator trusted by homeowners and insurers worldwide.
Calculate Rebuild Cost