The Homeowner’s 2026 Guide to Average Home Repair Costs
Owning a home has always been a primary pillar of the American Dream, but in 2026, that dream comes with a sophisticated—and sometimes staggering—price tag for maintenance. While the “supply chain chaos” of the early 2020s has largely smoothed out, homeowners now face a different challenge: a critical shortage of skilled tradespeople and the rising cost of high-efficiency, “smart” home components.
Industry data for 2026 suggests the average U.S. homeowner should budget between $6,000 and $11,000 annually for routine maintenance and repairs. This aligns with the 1% Rule (budgeting 1% of your home’s value for annual repairs), though owners of aging homes or those in high-cost-of-living metros like Seattle or Boston may need to push that to 2% or 3%.
Section 1: The Heavy Hitters (Roofing & Foundation)
The “envelope” of your home is your first line of defense. In 2026, roofing costs are driven by a shift toward more …
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