Cost to Rebuild a House Calculator (2026)
Estimate what it would cost to rebuild your home from the ground up — the replacement cost your insurance should cover — by state, size and build quality. Add a ZIP code to compare the rebuild cost with what a similar home sells for there.
—
Directional 2026 estimate: national rebuild rates × a state construction-cost index, construction only (no land, site work, permits or design fees). Not an insurance valuation.
Rebuild cost per square foot by build quality
National 2026 rates for the living area, construction only. The calculator scales these by a state construction-cost index (from $89/sq ft standard new-build cost in Alabama to $263 in Hawaii, against a $120 national average).
| Build quality | $ / sq ft | 2,000 sq ft house |
|---|---|---|
| Standard builder-grade finishes, standard layout | $150 | $300,000 |
| Above average upgraded kitchen and baths, better windows and siding | $190 | $380,000 |
| Custom architect-designed, high-end materials, complex roof lines | $250 | $500,000 |
| Luxury premium everything, extensive millwork, smart systems | $340 | $680,000 |
Cost to rebuild a house by state
Every state’s construction-cost index, the standard-to-custom rebuild range per square foot, what a standard 2,000 sq ft rebuild costs, and the market price per square foot of existing homes for comparison. Click a state for its full page.
| # | State | Cost index | Rebuild $/sq ft | 2,000 sq ft standard | Market $/sq ft |
|---|---|---|---|---|---|
| 1 | Hawaii | 2.19× | $329–$548 | $658,000 | $689 |
| 2 | California | 1.67× | $250–$417 | $500,000 | $451 |
| 3 | New York | 1.66× | $249–$415 | $498,000 | $241 |
| 4 | Massachusetts | 1.58× | $238–$396 | $476,000 | $355 |
| 5 | New Jersey | 1.52× | $229–$381 | $458,000 | $327 |
| 6 | Rhode Island | 1.46× | $219–$365 | $438,000 | $352 |
| 7 | Washington | 1.45× | $218–$363 | $436,000 | $312 |
| 8 | Alaska | 1.44× | $216–$360 | $432,000 | $266 |
| 9 | Connecticut | 1.43× | $215–$358 | $430,000 | $265 |
| 10 | Delaware | 1.32× | $198–$329 | $396,000 | $221 |
| 11 | District of Columbia | 1.27× | $191–$319 | $382,000 | $489 |
| 12 | Maryland | 1.27× | $191–$319 | $382,000 | $233 |
| 13 | Illinois | 1.26× | $189–$315 | $378,000 | $134 |
| 14 | Vermont | 1.25× | $188–$313 | $376,000 | $251 |
| 15 | New Hampshire | 1.23× | $184–$306 | $368,000 | $296 |
| 16 | Maine | 1.22× | $182–$304 | $364,000 | $259 |
| 17 | Oregon | 1.22× | $182–$304 | $364,000 | $294 |
| 18 | Pennsylvania | 1.18× | $176–$294 | $352,000 | $165 |
| 19 | Colorado | 1.14× | $171–$285 | $342,000 | $269 |
| 20 | Minnesota | 1.12× | $168–$279 | $336,000 | $188 |
| 21 | Nevada | 1.12× | $168–$279 | $336,000 | $257 |
| 22 | Virginia | 1.07× | $160–$267 | $320,000 | $221 |
| 23 | Michigan | 1.04× | $156–$260 | $312,000 | $187 |
| 24 | Florida | 1.02× | $153–$254 | $306,000 | $229 |
| 25 | Arizona | 1.01× | $151–$252 | $302,000 | $248 |
| 26 | Montana | 1.01× | $151–$252 | $302,000 | $280 |
| 27 | Utah | 1.01× | $151–$252 | $302,000 | $238 |
| 28 | Ohio | 1.00× | $150–$250 | $300,000 | $160 |
| 29 | Wisconsin | 1.00× | $150–$250 | $300,000 | $207 |
| 30 | Iowa | 0.97× | $145–$242 | $290,000 | $133 |
| 31 | New Mexico | 0.97× | $145–$242 | $290,000 | $205 |
| 32 | West Virginia | 0.97× | $145–$242 | $290,000 | $118 |
| 33 | Idaho | 0.96× | $144–$240 | $288,000 | $278 |
| 34 | North Dakota | 0.96× | $144–$240 | $288,000 | $122 |
| 35 | Wyoming | 0.95× | $143–$238 | $286,000 | $215 |
| 36 | Indiana | 0.94× | $141–$235 | $282,000 | $154 |
| 37 | North Carolina | 0.94× | $141–$235 | $282,000 | $203 |
| 38 | South Dakota | 0.94× | $141–$235 | $282,000 | $165 |
| 39 | Louisiana | 0.93× | $140–$233 | $280,000 | $133 |
| 40 | South Carolina | 0.93× | $140–$233 | $280,000 | $177 |
| 41 | Texas | 0.93× | $140–$233 | $280,000 | $171 |
| 42 | Kansas | 0.93× | $139–$231 | $278,000 | $118 |
| 43 | Nebraska | 0.93× | $139–$231 | $278,000 | $139 |
| 44 | Georgia | 0.92× | $138–$229 | $276,000 | $175 |
| 45 | Kentucky | 0.92× | $138–$229 | $276,000 | $152 |
| 46 | Missouri | 0.92× | $138–$229 | $276,000 | $159 |
| 47 | Tennessee | 0.91× | $136–$227 | $272,000 | $213 |
| 48 | Oklahoma | 0.88× | $131–$219 | $262,000 | $140 |
| 49 | Arkansas | 0.75× | $113–$188 | $226,000 | $144 |
| 50 | Mississippi | 0.75× | $113–$188 | $226,000 | $126 |
| 51 | Alabama | 0.74× | $111–$185 | $222,000 | $150 |
What the estimate includes
- Living area at the tier rate × your state index: foundation, framing, roof, exterior, windows and doors, plumbing, electrical, HVAC, insulation, drywall, interior finishes, and builder overhead.
- Garage at 55% of the living-area rate for 250 sq ft per bay; finished basement at 60%.
- Demolition and debris removal of the existing structure at about $10 per square foot nationally.
- Not included: land, site work and utilities, permits and impact fees, architectural and engineering fees, landscaping, decks, pools and fences.
Sources and method: national rebuild rates from 2026 construction-cost guides; state index from RSMeans-based standard-finish construction cost per square foot by state (costtobuildhouse.com, 2026); market prices from the SmarterSquares ZIP dataset (Zillow and Realtor.com research). Rebuild costs vary with lot access, local code requirements, and material prices at the time — get a contractor or insurer estimate for a policy.
Related: see what your home is worth with the home value estimator, the average cost of a house in the U.S., and the renovation cost estimator for partial projects.