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How To Budget for Window Replacement: Plan Ahead To Save

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Key Takeaways

  • To create a window replacement budget, audit your current windows and weigh value against price.
  • Factors affecting your total window cost include the window type, size, and energy efficiency.
  • You can save on window replacement by buying standard sizes and asking about discounts.

If you experience sticker shock when shopping for new windows, you’re not alone. A single window replacement costs between $400 and $1,000 on average, but some types and sizes can cost up to $7,000. Fortunately, you can create a budget by auditing your home and reviewing your options.

“There’s two different ways to approach it — new construction or replacement,” said Dave Toussaint, the owner of Hudson Valley Windows & Siding in Poughkeepsie, New York. “In most cases, a new construction window is ultimately going to cost you more, because there’s more interior and exterior work. A replacement window is usually a better option, but neither of these options are going to be cheap. However, it should never be about cost — it should be about the longevity of the product.”

Window replacement offers a high return on investment (ROI), which can help in case you ever decide to sell your home. On average, homeowners recover 95.5% of the cost of wood window replacement. Selecting new energy-efficient windows could also result in lower energy costs.

In this guide, we cover how to budget for window replacement, what affects window costs, and ways to save hundreds or even thousands of dollars on your window replacement.

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How Much Does It Cost To Replace Windows?

On average, most homeowners spend $400–$1,000 on window replacement, but you could pay as little as $100 or up to $7,000, depending on the window type.

Cost data in this article is sourced from RSMeans, a price estimator database for contractors.

Factors Affecting Replacement Window Cost

The window material is one of the primary factors affecting the total cost. Vinyl and aluminum are among the most affordable window options, often ranging from $400 to $850. Wood is typically the most expensive, at $600–$1,500.

Window MaterialLow-End CostHigh-End Cost
Aluminum$400$850
Vinyl$450$800
Fiberglass$500$1,000
Wood$600$1,500

Here are other factors that influence the cost of window replacement:

  • Type of window: Your interior design and energy efficiency goals usually dictate the best window style. A single-hung window averages $200–$400, while bow and bay can set you back thousands, typically $2,000–$4,000 and $1,000–$7,000, respectively.
  • Brand: Some window companies are more expensive than others. Menards is on the lower end, and Renewal by Andersen is on the high end.
  • Glass type: The stronger and more energy-efficient the glass, the more it’ll cost. Single-pane is the least expensive, at $400 on the high end, but triple-pane averages $700–$1,000. Impact-resistant glass can cost $2,800 or more.
  • Size: Larger windows have higher prices than smaller ones, and you’ll pay additional fees for custom designs.
  • Number of windows: Multiple windows will cost more than a single window, but companies offer deals on larger projects. If you replace several windows at once rather than one at a time, you’ll save on each.
  • Additional costs: Labor, installation, project scope, window location, warranty, and window removal can also affect the total window replacement cost.

How To Budget for Window Replacement 

Many homeowners find window replacement expensive, but if you go in with a game plan, you can effectively create a budget and prioritize your purchases.

Today’s Homeowner Tip

We recommend using a spreadsheet to track your findings as you move through these steps.

Audit Your Existing Windows

Windows typically last around 15 years, but some, such as fiberglass-framed windows, can last more than 30.

Start planning your window replacement budget by auditing your existing windows. Inspect each one’s condition, age, and performance. If you notice these signs, it’s time for replacement:

  • Physical damage: Rotted, spongy, or warped frames — especially on wood windows — point to water damage. You’ll also need to replace your windows if they have cracked glass, condensation between the panes, or water leaks.
  • Poor performance: Feel for air drafts and test your windows’ performance. If they have difficulty opening, closing, or locking, it’s time to replace them.
  • Energy efficiency issues: Older windows lead to higher energy bills or ultraviolet (UV) damage within the home. Select energy-efficient models if you have single-pane or poorly insulated windows.
  • Age: Windows decline in performance as they age. Consider replacing any over 15 years old sooner rather than later to get a better deal with a larger installation project.
  • Outdated design: Worn, outdated windows might not match your home’s style.

Prioritize

If you have a limited budget, prioritize replacing windows based on need, starting with those that are damaged, leaky, or have high energy loss, to improve the home’s energy efficiency and comfort.

You can also prioritize window replacement based on the projected ROI, especially if you plan to sell your home soon. With wood and vinyl windows, you could recoup around 95.5% and 90.1% of your investment, respectively. Give special attention to front-facing and street-facing windows to boost curb appeal and increase interest in your home.

Today’s Homeowner Tip

You don’t have to replace all of your windows at once. Consider your budget and home improvement goals to determine which windows you should replace first.

Review Window Options

While double-hung windows with vinyl frames are among the most common types of windows, they won’t fit every home. You should consider factors such as design goals, existing window sizes, energy efficiency, durability, and security to determine the best products that fit your budget.

If you’re having trouble deciding on the best windows for your home, talk it over with an installer or interior designer.

Weigh Value Vs. Price

Understanding the expected cost of your new windows is only half the battle. To arrive at the best products for your home, you need to weigh value against price.

A more durable and reliable window will cost more upfront than a cost-effective option, but it’ll also last longer. Higher efficiency windows deliver more energy savings.

“The difference in price might only be $100 to $200, but [the best windows] are going to last forever. You’re never going to have to redo them,” Toussaint said. He recommends customers come back when they’re ready to purchase the better options, as it’s a better investment in the long run.

Instead of solely focusing on price, think about your needs and wants, today and in the years to come. If you’re on a strict budget, delaying the purchase until you can pay more may help you improve the value of your home or reel in energy savings and rebates later. Financing options may allow you to buy new windows now and start enjoying the benefits.

In some cases, you can’t afford to wait. Broken windows, rotted frames, and other issues can pose safety and health hazards and should be replaced sooner rather than later.

Estimate Costs

Once you have an idea of what you need, you can start determining your estimated costs. You’ll need to account for these common window replacement expenses:

  • Typical costs: Research the average window replacement costs based on factors such as size, brand, window location, and frame material.
  • Potential surprises: Issues, such as frame rot, can add to the total cost. Give your budget some wiggle room.
  • Old window disposal: Most professionals include old window disposal in their quotes. If your installer doesn’t, you’ll pay $20–$170 on average per window.
  • Permits: In some areas, you’ll need a permit to replace your windows, especially if you’re making structural changes. Your contractor will likely pull the permit, but you’ll need to cover the cost.
  • Window trim: Adding or repairing window trim often costs between $1 and $15 per linear foot, but the price depends on materials, trim design, size, and more.

You may also have to pay for product delivery, frame painting, and taxes.

If you’ve discovered you’ve gone over what you can comfortably afford, consider financing options or return to your spreadsheet. Reprioritize or remove additional features you can do without. You can also start contacting contractors for advice and quotes to better visualize the cost.


How To Save on Window Replacement

Fortunately, there are several ways to save hundreds or even thousands on this home improvement project.

Buy Windows Through the Installer

You can save on sales tax by buying your windows through the installer.

“If you’re purchasing windows from the same company that’s doing the installation, there’s no sales tax charged to the customer. It’s a capital improvement,” Toussaint said.

A capital improvement is a renovation that improves the market value of a home that the homeowner can’t take with them should they sell the house. However, if you purchase the window directly from a store or manufacturer without installation, you’ll have to pay sales tax.

Choose Energy-Efficient Models

Energy-efficient windows, such as those with low-emissivity (low-e) glass, can deliver energy savings and significantly reduce your federal taxes. Qualifying products meet ENERGY STAR Most Efficient certification requirements, and homeowners can claim up to $600 on their taxes.

Replace Multiple Windows

While replacing multiple windows has a higher upfront cost, you’ll save more than if you were to purchase them individually. Installers charge less per window when you buy in bulk, and their overhead remains the same whether you purchase one window or 10.

“If you’re doing one to two windows, you’re going to pay more per unit,” Toussaint said. “A typical window crew is two workers. If you’re sending them to install two windows, they’re done by noon. The company has to pay them the rest of the day, even if they don’t work.”

He explained that contractors rarely schedule two window replacement jobs in one day. “If you send the crew to another job after the first and they run into something you didn’t see during inspection — rotted wood — now all of a sudden that job doesn’t take a couple of hours. It goes into the night.”

Stick With Standard Sizes

Custom window designs and sizes can quickly become expensive — you could spend hundreds or even thousands of dollars more. It’s cost-effective to opt for standard or stock options. Custom products also take longer to arrive, as the manufacturer specifically creates them for your home.

Get Multiple Quotes

You shouldn’t necessarily choose the first window replacement company you contact. Shopping around gives you a better idea of your options and potential costs. 

We recommend gathering at least three quotes to compare included services, project scopes, and timelines. Let the contractors know your budget beforehand so they can provide you with the best recommendations for your needs. Professionals can also provide insight into unexpected costs and potential savings.

Inquire About Discounts

Some window brands and contractors offer seasonal discounts or promotions, including for veterans, military members, and senior citizens. Additionally, you may qualify for a financing plan with 0% interest for a specified period.

Ask about off-brand or overstock inventory, which the company might be willing to sell at a discount.


Financing Options

Many homeowners can’t afford larger window replacement projects upfront. Financing strategies, including these, can help you tackle the initial cost and better plan your financial future:

  • Work with a financial institution. Banks and credit unions often offer home improvement loans. Review and compare interest rates and repayment terms before signing.
  • Use a contractor’s financing plan. Some contractors work directly with financial institutions to offer financing plans with low or 0% interest rates to qualifying customers.
  • Apply for a government home repair assistant program. The Department of Housing and Urban Development (HUD) grants home improvement loans. Eligibility requirements vary depending on the program.

Next Steps

When budgeting for window replacement, don’t only consider costs. Plan wisely to be sure you’re making a smart investment for you. Start by performing an audit, prioritizing your needs, and reviewing your options. With average window replacement costs, you can estimate how much you’ll need to spend to meet your goals.

Next, start researching and vetting window installers. Watch for red flags, including avoiding companies that use persistent sales tactics. Toussaint also suggested researching the window manufacturer. “In my experience in the last 39 years, the installation is usually not the issue — it’s the product. I’ve ripped out several windows that were only five years old.”

When you’re ready to buy, we recommend contacting at least three window contractors to get accurate quotes, ask about discounts, and learn more about your options.


FAQs About Budgeting for Window Replacement

What is a realistic budget for replacing 10 windows?

Homeowners can expect to spend around $7,000 to replace 10 windows, as each window costs between $400 and $1,000, on average.

Most homes have around 10 windows, but you might need to replace them all at once. If you need to install six windows, your quote could be closer to $4,200. However, contractors will often offer discounts if you purchase multiple windows. You’ll save by replacing all 10 windows at the same time.

Several factors can affect the total cost, including the type of windows, size, custom versus standard, and frame material. For example, you’ll pay more for a skylight than a standard double-pane window. A vinyl window frame is less expensive than a wood frame.


Are there tax credits for window replacements?

Yes, there are tax credits for window replacements. The IRS offers the Energy Efficient Home Improvement Credit. To qualify, you need to purchase windows that meet the ENERGY STAR Most Efficient certification requirements and were produced by a qualified manufacturer. Homeowners can claim up to $600 on exterior windows and skylights per year.

To claim the tax credit, complete Form 5695, Residential Energy Credits Part II, and return it with your taxes. You can only receive the credit after you’ve installed the window.


How do I estimate labor costs for window installation?

Window installation labor tends to cost between $40 and $60 per worker per hour. Since each crew usually includes two, you’ll pay $80 to $120 per hour. More intricate or difficult installations take more time, so they cost more. For example, you’ll spend more on labor to install a bay window than a standard double-hung.

However, many window contractors include labor in the base quote. “They price it up as a job, not hourly,” Toussaint explained. You likely won’t see “labor” as a separate line on your estimate. 

You could save by taking a DIY approach, especially if you have experience, but window warranties generally require professional installation through a certified company. Doing it yourself could void the warranty.es


Is it cheaper to replace all windows at once?

Yes, in most cases, it’s cheaper to replace all of your windows at once rather than a few at a time. You’ll pay more upfront, but since you’re buying in bulk, window contractors offer discounts that help you save in the long run.

Replacing all of your windows at once provides other benefits. You’ll have a consistent appearance throughout the home and improved energy efficiency, as all of the windows have the same features. 

Homeowners typically need to replace at least five windows to start seeing savings. To maximize the discount, buy 10 or more. If you’re on a budget, you can consider financing options or purchase windows that meet your immediate needs.


Editorial Contributors
avatar for Hilary Cairns

Hilary Cairns

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Hilary Cairns is a writer with 12 years of professional writing experience. She has covered a diverse set of topics such as custom home building, plumbing, HVAC, energy efficiency, and others. A graduate of SUNY New Paltz with a bachelor's degree in English and a concentration in Creative Writing, she discovered her passion for helping businesses and organizations deliver impactful content that changed lives. Originally from New York, Hilary now calls Florida home (along with 2 cats). When not immersed in her writing work, she enjoys playing video games, reading Stephen King, and researching her (and her friends') genealogy.
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Erika Skorstad

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Erika Skorstad is a senior editor for Today's Homeowner. She covers home services topics such as window replacement and HVAC repair. Previously, Erika edited content about venture capital, marketing, and cloud computing. She has a BS in professional writing with a minor in interactive narrative. Her fiction has been published in Marathon Literary Review, Levitate Literary Magazine, and the Burlington Writers Workshop Cold Lake Anthology. Outside of work, Erika enjoys reading and writing psychological thrillers, performing in plays and musicals, going on nature walks, and spending time with her sassy black cat, Cassie. She lives in Washington.