If you’re wondering, “How much does it cost to renovate a house,” then estimates vary between $15-150 per square foot in 2025, depending on your project scope, materials used, location and timeline. Most homeowners spend between $50,000-150,000 for full house renovation projects, while high-end projects may exceed $300,000. Your final price depends on whether you’re doing an update or a complete gut renovation.
Planning a renovation requires understanding how your money is spent. Labour usually accounts for 20-35%, with materials making up 50-60%. Permit fees, design fees and unexpected repairs typically cover the remainder. Smart homeowners make sure they obtain multiple quotes before setting aside 15-20% extra as contingencies, like old wiring or water damage repairs may arise unexpectedly.
Table of Contents
Quick Cost Overview: What to Expect
Before diving into specific projects, here’s what most homeowners pay for different renovation levels:
- Budget renovations: $15-$60 per square foot. Basic updates like paint, flooring, and fixture swaps. Perfect for rental properties or first-time buyers.
- Mid-range projects: $75-$150 per square foot. Quality materials, semi-custom features, and layout changes. This sweet spot balances cost and quality.
- Luxury renovations: $150-$300+ per square foot. Premium finishes, custom everything, and high-end appliances. Expect exceptional results with designer touches.
For a 2,000 square foot home, you’re looking at $30,000 to $600,000 depending on the scope. Location matters too. Urban areas like New York or San Francisco cost 30-50% more than suburban markets due to higher labor costs and stricter building codes.
High-end renovation costs
Luxury renovations use top-tier materials and expert craftsmanship. These projects transform homes into showcase properties with lasting value. Expect to invest $200 to $400 per square foot for premium work.
High-end projects include imported tiles, commercial-grade appliances, custom cabinetry, smart home systems, and architectural details. Every element gets carefully selected for both beauty and function.
Premium Bathroom Renovation
Average cost: $65,000-$85,000
A luxury bathroom remodel completely reimagines the space. You’re not just updating fixtures you’re creating a spa-like retreat.
Key features include a freestanding soaking tub, walk-in shower with multiple body jets and rain shower heads, heated floors, custom vanities with integrated lighting, frameless glass enclosures, high-end faucets and fixtures, and premium tile work throughout.
The project involves relocating plumbing, upgrading electrical systems, improving ventilation, and extending HVAC. Quality materials like marble, porcelain, or natural stone elevate the space. Professional installation ensures everything functions perfectly for decades.
You may also read: Bathroom remodel Cost
Upscale Bedroom Suite Addition
Average cost: $280,000-$350,000
Adding a main suite creates valuable living space. This major project builds a new 24×20-foot bedroom with a full bathroom and a walk-in closet.
Highlights include custom built-in shelving, luxury flooring throughout, a gas fireplace with a stone surround, spa-style bathroom with separate tub and shower, dual vanities with premium countertops, extensive closet systems, smart lighting controls, and dedicated HVAC zones.
Construction requires foundation work, framing, roofing, electrical and plumbing installation, insulation, drywall, and finishing. The home improvement adds significant square footage and boosts resale value considerably.
Major Kitchen Overhaul
Average cost: $120,000-$175,000
A high-end kitchen remodel transforms your home’s heart. This goes beyond appliance swaps; it’s a complete redesign.
Expect custom cabinets with soft-close drawers and pull-out organizers, professional-grade appliances including a built-in refrigerator and commercial cooktop, stone or quartz countertops, designer tile backsplash, undermount sink with touchless faucet, pendant and under-cabinet lighting, high-end flooring, and built-in wine storage.
The remodel typically includes moving walls for better flow, upgrading electrical for modern appliances, adding gas lines if needed, and improving ventilation. Quality of materials drives costs but ensures durability.
Mid-range renovation costs
Mid-range projects offer excellent value. You get quality materials and professional results without luxury price tags. Most homeowners find this level hits the sweet spot for remodel cost per square foot, typically $100-$200.
These renovations use semi-custom features, energy-efficient appliances, and durable finishes. The work improves function and style while maintaining reasonable budgets.
Updated Bathroom
Average cost: $18,000-$35,000
A mid-range bathroom update refreshes a tired space. The project replaces old fixtures, improves lighting, and modernises finishes.
Updates include a walk-in shower with tile surround, a new vanity with double sinks, an updated toilet, ceramic or porcelain tile flooring, improved lighting fixtures, an exhaust fan upgrade, and fresh paint throughout.
The work improves daily comfort and efficiency. Energy-efficient fixtures reduce water bills. Better ventilation prevents mold issues. The overall cost remains manageable while delivering noticeable improvements.
Kitchen Refresh
Average cost: $40,000-$75,000
Mid-range kitchen remodeling balances upgrades with budget. You’re replacing key elements without moving walls or plumbing.
Changes include semi-custom cabinets with modern hardware, laminate or solid-surface countertops, stainless steel appliances, ceramic tile backsplash, new sink and faucet, updated lighting, vinyl or laminate flooring, and fresh paint.
The renovation might add a small island for extra workspace. Electrical work supports new appliances. The project typically takes 4-6 weeks from start to finish.
Room Addition
Average cost: $65,000-$95,000
Adding a bedroom, home office, or family room expands living space. This involves building onto your existing footprint.
The addition includes foundation work, framing and roofing, windows and doors, electrical and HVAC extension, insulation and drywall, flooring installation, and interior finishing.
Permits add $2,000-$5,000 depending on location. Factor in design fees if working with an architect. The finished space should match your home’s existing style and quality.
Lower-cost renovation costs
Budget-friendly renovations deliver fresh looks without breaking the bank. These projects cost $15-$75 per square foot and work well for first-time buyers or rental properties.
Smart choices maximize impact while minimizing spend. Focus on cosmetic updates that improve appearance and function without major construction.
Simple Kitchen Update
Average cost: $12,000-$28,000
A budget kitchen makeover refreshes the space economically. Skip the gut job and focus on visible improvements.
Updates include cabinet refacing or painting, new hardware and fixtures, laminate countertops, basic appliances, peel-and-stick backsplash or paint, vinyl flooring, and updated lighting.
You’re working with the existing layout, which saves on plumbing and electrical work. The house renovation cost stays low while creating a cleaner, more modern space.
Basic Bathroom Makeover
Average cost: $6,000-$18,000
Budget bathroom updates tackle the essentials. Replace worn fixtures and surfaces without moving plumbing.
Changes include new toilet and vanity, updated faucets and showerhead, fresh tile or waterproof panels, vinyl or laminate flooring, new lighting, and paint.
Keep the existing layout to avoid expensive plumbing changes. Shop sales for fixtures and materials. DIY the painting and demolition to reduce labor costs.
Cosmetic Improvements Throughout
Average cost: $8,000-$25,000
Interior updates refresh multiple rooms economically. These changes improve appearance and comfort house-wide.
Projects include fresh paint throughout, new flooring in high-traffic areas, updated light fixtures and switches, door hardware replacement, baseboard and trim work, and minor repairs.
The work requires minimal construction knowledge. Many homeowners tackle painting themselves. Hiring professionals for flooring and electrical work ensures quality results. These improvements boost appeal for buyers if selling soon.
How Much Does It Cost to Gut Renovate a House?
A gut renovation strips everything down to studs and rebuilds from scratch. This intensive process costs $100-$250 per square foot, or $200,000-$500,000 for a 2,000 square foot home.
Gut renovations make sense for homes with major structural issues, outdated systems, or poor layouts. Older houses built before 1970 often need this level of work.
The process involves complete demolition, structural repairs or changes, new plumbing and electrical systems, HVAC replacement, insulation and drywall, new flooring throughout, updated kitchen and bathrooms, and fresh finishes everywhere.
Hidden costs add up quickly. Asbestos removal runs $1,500-$3,500. Lead paint abatement costs $8,000-$15,000. Mould remediation adds $2,000-$6,000. Foundation repairs can hit $10,000-$30,000.
Permits for full renovations cost more, too. Expect $3,000-$10,000 for comprehensive licenses, depending on location. Inspections occur at multiple stages, extending timelines.
The work typically takes 4-6 months minimum. Complex projects can stretch to a year. You’ll need temporary housing during construction. Factor that into your full-house renovation cost planning.
Despite high costs, gut renovations let you customize everything. You control layout, systems, and finishes completely. The finished home becomes new, with modern efficiency and updated style.
Factors That Influence Renovation Costs
Understanding what drives home renovation costs helps you budget accurately. Several key factors determine your final price.
Project Scope and Complexity
Larger projects cost more, obviously. But complexity matters as much as size. Moving plumbing or load-bearing walls requires engineers and permits. Simple cosmetic updates skip those expenses.
Structural changes, opening floor plans, and adding square footage increase costs significantly. Working within existing layouts saves money. Depending on the scope of your project, costs swing dramatically.
Quality of Materials
Material choices create huge price differences. Stock cabinets cost $100-$300 per linear foot. Custom cabinetry runs $500-$1,200. Laminate counters cost $20-$50 per square foot. Marble or granite hits $75-$200.
Appliances range from $350 basic models to $15,000 professional units. Flooring spans $2-$25 per square foot. Every material decision impacts your bottom line.
Mid-range materials offer good value. They look nice, last well, and cost reasonably. Splurge on high-traffic areas like the kitchen and bath. Save on bedrooms and closets.
Labor Costs and Location
Labor typically represents 30-50% of home remodel costs. Rates vary by region and specialty. Urban markets pay more than rural areas.
General contractors charge $50-$150 per hour. Electricians run $75-$150. Plumbers cost $80-$175. Specialty trades like tile setters or cabinet installers command premium rates.
Getting multiple quotes reveals local rate ranges. Interview at least three contractors. Check licenses, insurance, and references. The cheapest bid isn’t always the best value.
Permit and Inspection Fees
Most renovation work requires permits. Costs depend on project type and location. Electrical permits run $50-$500. Plumbing permits cost $75-$350. Building permits for additions or structural work hit $500-$3,000.
Skipping permits risks fines and complicates future sales. Unpermitted work may need removal or re-inspection. Always pull required permits even though they add costs and time.
Hidden Issues and Contingencies
Older homes hide problems. Opening walls reveals outdated wiring, damaged framing, or water damage. Asbestos and lead paint require professional abatement.
Set aside 15-20% of your budget for surprises. This contingency covers unexpected repairs without derailing projects. Homes built before 1980 need larger cushions due to higher risk of issues.
Can I Get Financing for a Home Repair or Improvement?
Most homeowners use financing for major remodeling projects. Several options suit different situations and budgets.
Home Equity Loan
Borrow a lump sum using your home as collateral. Fixed interest rates typically run 6-9%. Repayment stretches 5-30 years.
Best for homeowners with significant equity who want predictable payments. The entire amount funds upfront, perfect for contractors requiring deposits. Interest may be tax deductible consult your accountant.
Risks include foreclosure if you can’t repay. Only borrow what you can comfortably afford monthly.
HELOC (Home Equity Line of Credit)
A HELOC works like a credit card. Borrow as needed up to your credit limit. You only pay interest on what you use.
Rates are variable, currently 7-11%. Draw periods last 10 years with interest-only payments. Then you repay principal and interest over 10-20 years.
HELOCs suit projects with uncertain costs or phased work. You’re not paying interest on unused funds. Variable rates mean payments can increase if rates rise.
Personal Loan
Unsecured loans don’t require home equity. Borrow $1,000-$100,000 with fixed rates of 8-18%. Terms run 2-7 years.
Approval is faster than home equity products. Your home isn’t collateral, so no foreclosure risk. Higher rates reflect the increased lender risk.
Good for smaller projects or homeowners without much equity. Compare offers from banks, credit unions, and online lenders.
FHA 203(k) Loan
Government-backed loans combine purchase and renovation financing. Buy a fixer-upper and renovate with one loan. Rates run 5-7% with 3.5% down minimum.
Two types exist: standard for major work over $35,000 and limited for smaller projects under $35,000. The program works for primary residences only.
Perfect for buyers wanting to renovate after purchase. The process involves more paperwork and inspections than conventional loans.
Credit Cards
Use credit cards for small projects under $10,000. Some cards offer 0% intro APR for 12-21 months, letting you avoid interest.
Rewards cards earn cash back or points. Sign-up bonuses provide extra value on large purchases. Regular APRs run 15-25% after intro periods end.
Only charge what you can repay before interest kicks in. Credit cards suit minor updates or emergency repairs when you’ll repay quickly.
Comparing Financing Options
Loan Type | Interest Rate | Term | Best For |
Home Equity Loan | 6-9% | 5-30 years | Major renovations with equity |
HELOC | 7-11% variable | 10-20 years | Flexible or phased projects |
Personal Loan | 8-18% | 2-7 years | Smaller projects, no equity |
FHA 203(k) | 5-7% | 15-30 years | Buying and renovating together |
Credit Card | 0-25% | Varies | Small urgent repairs |
Shop multiple lenders. Compare interest rates, fees, and terms. Read the fine print carefully. Choose financing that fits your budget and timeline comfortably.
Final Thoughts
Understanding home renovation costs helps you plan successfully. Whether tackling bathroom remodeling, kitchen remodeling, or room remodeling, realistic budgets prevent stress and overruns.
The average cost to remodel a house depends heavily on your choices. Prioritize projects that improve daily life and add value. Get honest renovations by working with licensed contractors who provide detailed estimates.
San Diego Home Remodeling specializes in transparent pricing and quality workmanship. Our experience with home remodeling in San Diego CA means we understand local costs, permitting, and building requirements. We guide homeowners through every decision, ensuring smart investments that last.
Start by defining goals clearly. Decide which spaces need attention most. Get multiple quotes to understand fair pricing. Set aside contingency funds for surprises. Choose quality materials that suit your budget level.
Financing options make renovation projects accessible. Compare loan products carefully. Understand total costs including interest over time. Only borrow amounts you can repay comfortably.
The right renovation improves comfort, function, and home value. Whether you spend $20,000 or $200,000, smart planning delivers results you’ll enjoy for years.
FAQs
Is $100,000 enough to renovate a house?
Yes, $100,000 covers substantial mid-range renovations for most homes. You can fully remodel a kitchen and two bathrooms, or complete a whole-house refresh with new flooring, paint, and fixtures. Luxury finishes or major additions require larger budgets.
What is a realistic budget for home renovation?
Plan to spend 5-15% of your home’s value on renovations. A $400,000 home supports $20,000-$60,000 in updates comfortably. Larger projects may require more, but this range covers most common improvements without over-improving for your neighborhood.
Is $50,000 enough to renovate a house?
$50,000 works well for focused projects like a complete kitchen remodel or two bathroom updates. It also handles whole-house cosmetic improvements including paint, flooring, lighting, and fixtures. Gut renovations or major additions need bigger budgets.
Is it cheaper to renovate or build new?
Renovating costs less unless your home needs extensive structural repairs. Building new runs $150-$400 per square foot including land prep. Renovations average $50-$200 per square foot. Renovation makes sense for homes with good bones and desirable locations.
What is the most expensive part of renovating a house?
Kitchens and bathrooms cost most due to plumbing, electrical work, cabinetry, and appliances. Expect $25,000-$75,000 for kitchens and $10,000-$35,000 per bathroom for mid-range work. Structural changes like foundation repairs or adding square footage also run high.
How long does a full house renovation take?
Complete renovations take 3-8 months depending on scope. Cosmetic updates finish in 4-8 weeks. Gut renovations need 4-6 months minimum. Major additions can stretch to 12 months. Timeline depends on project complexity, permit approvals, and material availability.
Do I need permits for home renovations?
Most substantial work requires permits including electrical changes, plumbing modifications, structural alterations, room additions, and window replacements. Cosmetic work like painting or flooring usually doesn’t. Check local building departments for specific requirements. Unpermitted work causes problems when selling.
Should I live in my house during renovation?
Minor projects allow you to stay home with minimal disruption. Major renovations affecting kitchens, bathrooms, or creating extensive dust may require temporary housing. Gut renovations definitely need you to move out. Consider project scope, timeline, and your tolerance for construction chaos.
How can I save money on renovation costs?
Keep existing layouts to avoid plumbing and electrical moves. Do your own demolition and painting. Shop sales for materials and fixtures. Time projects for contractor off-seasons. Get multiple quotes. Choose mid-grade materials over luxury options. Avoid changing plans once work starts.
What renovations add the most value?
Kitchen and bathroom updates return 60-80% of costs. Adding a bathroom returns 50-60%. Minor upgrades like paint, flooring, and fixtures return nearly 100%. Major additions return 40-60%. Energy-efficient improvements add appeal to buyers while reducing utility bills.
