How Much Does It Cost to Replace a Roof in Texas?

Reviewed by Cameron Bates remodeling expert. Written by Fixr.com.

Your roof plays a significant role in protecting both you and your home from the elements. But due to the harsh Texas weather, your roof can begin to suffer and slowly deteriorate. This can often lead to your roof needing ongoing repairs and, eventually, an entire roof replacement.

A roof replacement is not a project to be taken lightly and can become a sizeable investment of time and money. Keep reading to learn more about getting a roof replacement in Texas, including what will affect the price and ways you can save.

The average cost of a roof replacement in Texas

On average, it costs between $6,000 and $20,000 to replace a roof in Texas, with most homeowners spending around $12,000 to replace a 2,000 sq. ft. shingle roof. This cost will vary depending on your choice of material, the square footage of the roof, the pitch and shape of your roof, and the labor costs in your area.

It is important to note that these figures, as well as the rest you will find in this guide, are estimated costs of a roof replacement in Texas. To get an exact figure for your roof replacement, request a quote from two to three local roofing contractors who can inspect your home in person.

Factors that affect the cost of a new roof in Texas

Roofing material

The material you choose for your roof replacement will have the most significant impact on your overall cost. Roofs in Texas can feature one of several different materials, all with a different price range.

In Texas, the most common materials used for residential roofing include architectural shingles and metal roofing. Other common materials include 3-tab asphalt shingles and concrete clay and slate tiles.

If you live in an area of Texas that is prone to hail storms, it is recommended that you use hail-resistant architectural shingles, stone-coated metal tiles, or another material that can withstand them. If you live in an area of Texas with wildfires, it is recommended that you avoid wooden roofs.

Below are the average costs per square foot for installing these materials in Texas and the national average costs.

Size of your roof

As you likely suspected, the roof size will considerably impact the price of your roof replacement. More often than not, the bigger the roof, the more material you will need, and as a result, the higher the overall costs.

As well as a larger roof increasing your material costs, it will also affect your labor costs. It will take more time and effort to install the new roof and take longer to tear out and dispose of the current roof.

To work out the cost of a roof replacement based on the size of your roof, all you need to do is take the cost per square foot (installed) of the material of your choice and multiply it by the square footage of your roof.

The pitch of your roof

While it will not be the biggest price factor, the pitch of your roof will impact the overall cost of your roof replacement. This is due to the roof pitch influencing both the materials you can use and the installation cost.

The pitch or slope of a roof refers to the angle of the roof and is usually presented as the inches of vertical rise over 12 inches of horizontal run. A flat roof is anything from 0/12 to 2/12, a conventional pitched roof is 4/12 and 7/12, and a steep roof is anything over 8/12.

Most roofs in Texas have a conventional slope, while both steep and true flat roofs are rare in residential settings. You are more likely to find a low-slope roof that uses conventional materials than a truly flat roof.

The shape of your roof

One factor that you might have yet to consider but will influence your costs is the shape and style of your roof. Complex roofs or those that change pitch or have many protrusions will typically have a higher labor cost. Certain roof shapes are also more compatible with certain materials, which can also vary the cost.

The most common roof shapes in Texas include gable, hipped, and dutch. Other styles, like butterfly roofs and mansards, may be found in certain areas, while dormer and flat roofs are rarely seen in residential properties.

Hipped and Dutch use more material than gable roofs. So, a home with a hipped roof will have higher total costs than a home with a gable roof, even if the two homes are the same size.

Below are the average costs per square foot of roof replacement for homes in Texas with different styles and the national average costs for replacement.

Labor cost in Texas

The labor cost to replace a roof in Texas will vary depending on the roofing material you choose and the complexity of the installation. But you can expect the cost of labor to range from $1 to $5 a square foot for most roof types. These labor costs can increase dramatically if your new roof requires additional underlayment, decking, or other major structural changes.

Unless you do it yourself, you will also incur some labor costs for removing your old roof. This will usually cost between $1 and $2 per square foot for most materials. However, some heavier materials can cost more.

Texas roof replacement pricing tiers

Replacing your roof on a low budget in Texas

If you’re concerned about the overall costs of a roof replacement, there are plenty of ways to make the roofing project more budget-friendly. The best way to keep your costs down is by selecting an affordable roofing material. In Texas, this would mean using either asphalt or architectural shingle.

You can also shave off some of the costs of a roof replacement if you are able to pick up the tools and do some of the work yourself. While it is strongly recommended that you leave the installation process to the professionals to maintain warranties and building codes, removing your old roof could be well within your wheelhouse. Just make sure you take the appropriate safety precautions and have researched, as every type of roof is removed a little differently.

Lastly, a great tip for achieving a roof replacement on a low budget is to look around for a good deal. Roofing contractors will vary their prices based on their demand or reputation, so take the time to find one in your price range. We recommend getting a quote from at least three contractors before making any decisions.

Mid-range roof replacement in Texas

If you are less stressed about keeping the costs down and simply want to get the job done, you will have a lot more freedom and flexibility with your options. You will be less limited in your options and can opt for any low to mid-range roofing material. Two popular mid-range materials, which are both great aesthetically and offer a long lifespan, include concrete tiles and metal roofing.

A mid-range roof replacement will also see the professionals handle everything from start to finish. This means you will not have to get your hands dirty with any DIY and can just let the professionals do their thing. You also will not need to go with that bottom-dollar roofing company and can instead be pickier with your contractors.

Top-tier roof replacement in Texas

With a high-end roof replacement, all options are open. You can choose any materials, contractor, or roof style. You can choose more expensive but extremely durable materials like clay or slate tiles or stick with the popular architectural shingles.

It is also important to remember that materials with a higher price might not mean better performance. The best way to find the right roofing materials is by discussing them with your contractor. Once they know you are less concerned about price and more about quality, they can identify the best-suited material for your home.

Since you are not too fussed about the budget, you will also be free to choose the roofing contractor with the best reputation and workmanship, regardless of the price. This will ensure you get the best new roof installation in a timely manner.

3 ways to finance a new roof in Texas

Home equity loan or HELOC

One of the most popular options for financing your roof replacement is a fixed-rate home equity loan (HELOC).

Home equity loans allow homeowners to borrow against the equity they have built up in their homes. Your home equity is the difference between the perceived market value of your home and the amount you still owe on your mortgage. In most cases, if you have over 15% equity in your home, you could be eligible for a home equity loan.

A home equity loan gives you access to the fund quickly, and you’ll pay a fixed low-interest rate with lower borrowing costs. However, make sure you are confident that you can make the monthly repayments, as your home will be used as collateral.

Insurance claim

Using an insurance claim to pay for your new roof can be a more tricky and challenging method, but it may be worth investigating.

If you want to replace your roof due to its deteriorating condition over the years, financing through an insurance policy will be virtually impossible. This is because homeowners’ insurance companies will rarely cover wear and tear on your roof. If this is your situation, you may not be able to lean on an insurance claim to finance your new roof.

However, if a weather-related event majorly damaged your roof, you may have more success making an insurance claim. If your roof has substantial damage from something such as wind or hail, then you should get in contact with your insurance company as soon as possible.

Personal loans

You can also pay for your new roof with a personal loan. To get a personal loan, you have the option of going directly to one of the many lenders offering loans or through certain roofing contractors who will offer financing options.

While a personal loan can be a great financing option for many homeowners, not everyone will get through the application process. When applying for a personal loan, the lender will look thoroughly into your financial situation. The lender will also run a hard credit history check which may temporarily affect your credit score. After examining your financial position, the lender will decide on your eligibility. You will need to have a good credit score of over 600 to qualify for most personal loans.

If you choose to finance your roof replacement with a personal loan, do your research. Before getting any personal loan, you should review all the terms of the loan, including the interest rate, loan length, and monthly payments. This will ensure you avoid getting stuck in a dangerous or predatory loan.

Other factors to consider

Permits in Texas

In Texas, you are required to obtain the necessary building permits before making any changes to your roof. Permits typically cost between $400 and $1,000, but vary depending on location.

In almost all cases, your roofing contractor will handle the task of acquiring building permits, so you will not have to worry about it. However, you should discuss this with your contractor and ensure the permit cost is included in the pricing.

Contractor licensing

You should always ensure your contractor is licensed and insured, no matter where you live. Making sure that your roofer has the proper licensing will not only protect you and your home but will also protect those working on your roof.

Inspection cost in Texas

Before you decide to make any changes to your roof, it is strongly recommended that a roof inspection is conducted every 3 to 5 years. A professional roof inspection can help you to find faults in your roof layout and allows you to catch problems before they lead to major repairs or a complete roof replacement.

A qualified roof inspector can also provide you with possible measures that can be taken to ensure your roof is capable of withstanding the Texas climate. The average cost of a roof inspection in Texas is between $100 to $600.

Replacing your roof in Texas

Your home’s roof is the first line of defense, protecting you and your home from whatever mother nature throws at it. In Texas, this means combatting heavy hail, strong winds, and raging storms. 

For that reason, it is vital that you keep on top of the quality and condition of your roof. Ignoring any faults or damages to your roof will only worsen things, and the Texas weather conditions won’t be forgiving.

If you’re experiencing any issue with your roof, it's essential that you get on top of the problem, whether that means making minor roof repairs or an entire roof replacement. Take a look at your options, and don’t wait for things to get worse.

If you’re still looking for more information and want to know exactly what you will pay for a new roof, the next step is to contact local roofing contractors and receive some estimates.