Roof Financing & Cost Calculator
See roughly what a roof runs per month.
Drag the slider to about what you think your project costs, and you will see what that looks like spread over time instead of all at once.
Paid up front
No lender, no interest, nothing financed.
Simplest route if you have the cash on hand.
Short term
Paid off inside a year or two.
Stretched out
Lowest monthly, spread over the long haul.
These are example figures, not an offer of credit. We are finalizing our lending partner, so the rates above are illustrative only. Actual terms, APR, and approval depend on the lender and your credit. Ask us where financing stands when we come out and we will tell you exactly what is available.
What actually determines what your roof costs
A roof is priced by area, not by house. The unit is the roofing square — 100 square feet of roof surface — and the first thing any quote does is work out how many squares your roof has. Everything after that is a multiplier or an addition: how steep it is, how complicated it is, what has to come off first, what is found underneath, and what goes back on besides shingles.
We are not going to print a price range on this page. Every roofing company in metro Atlanta publishes one and almost none of them will tell you where it came from — not how many jobs it is based on, not over what period, not on what size of house. A range with no derivation behind it is decoration. What is genuinely useful is knowing the structure of the number, because that is what lets you read three quotes and see which one is missing something.
Squares, not square feet of house
Your roof area is always larger than your floor area, because a roof is a slope rather than a flat plane, and because it overhangs the walls. A single-story 2,000 square foot house does not have 20 squares of roof; it has more, and how much more depends on the pitch. This is the single most common reason two quotes for the same house differ: they measured differently, or one of them did not measure at all.
Ask what roof area a quote is based on. A contractor who has measured — from the roof, from aerial imagery, or from a satellite measurement report — can tell you the number. One who cannot is estimating from the curb.
Pitch and complexity
Steeper roofs cost more per square because they are slower and more dangerous to work on, and above a certain pitch a crew cannot walk them at all and has to stage them. Complexity does the same thing: valleys, hips, dormers, skylights, chimneys and multiple roof planes all add cut-in labor and flashing work that a simple gable roof does not have. Two roofs of identical area can differ substantially on these two factors alone.
What has to come off, and what is under it
Tear-off and disposal is real cost: labor to strip the roof, plus a dumpster and landfill fees for the old material. A second layer of shingles roughly doubles that portion. And decking is the line that genuinely cannot be priced in advance, because nobody knows what is under the old roof until it is off.
This is the item to scrutinise in a contract. A quote should state a per-sheet price for replacement decking and how it will be measured and documented, so that if rotten sheathing is found you already know what it costs and you are not negotiating on the day with a stripped roof over your head. A quote that is silent on decking is not cheaper; it is just deferring the conversation.
The parts that are not shingles
A roof quote that is only shingles and labor is incomplete. A full replacement should include underlayment, new drip edge, new valley metal, new pipe boots, new step and counter flashing where it meets walls and chimneys, ridge cap, and ventilation corrected to what the roof actually needs. These are a meaningful share of the material cost and they are where the cheapest quotes usually make up the difference.
Reusing old flashing under new shingles is the classic shortcut. It does not show, it passes a glance from the ground, and it is one of the most common causes of a leak in a roof that is only a few years old.
How to compare three quotes properly
Put them side by side on five things: the roof area each one used, the shingle line and whether it is the same tier, whether new flashing and drip edge are included or reused, the per-sheet decking price and how it is documented, and who honors the workmanship warranty and for how long. A cheaper number is only cheaper if those five are equal. Usually one of them is not, and the gap explains the price.
The homeowner's guide goes through what a roofing estimate should contain and what the warranty terms actually mean. If your roof is a storm claim rather than a purchase, what Georgia law says about roofing contractors covers the contract rules and the five-day cancellation right that applies when an insurer denies part of a claim. And if you are working out whether a permit is in your quote, permit requirements and fees by jurisdiction are published per county and city.
Why there is no price on this page. We would rather measure your roof and give you a real number than publish an average and have you anchor on it. The inspection is free, the written report is yours whether you hire us or not, and the quote that follows names every one of the items above as its own line.