Roofing price per square: how much to charge for a roof, crew pay and your real margin (free rate sheet)

Published November 3, 2026 · Numbers checked November 2026

• Free. The rate sheet comes as a Google Sheets copy or an Excel file; the links come by email.
• Deepsel is our product: free estimate, invoice and scheduling software for contractors (scheduling, quotes, invoicing, card payments, a price book). One section, the one before the FAQ, says how it connects to this page.
• The owner prices are what US roofers said on Reddit, counted by us, one figure per person. That's not a survey, and nobody measures what roofing companies charge by state.
• Not legal, tax or insurance advice. Workers comp rates change every year, and the rate on your own quote has the last word.

A plain asphalt reroof sells for about $536 a square, all-in. That's the median of 86 US roofers who posted their price, and the middle half of them charge $443 to $670.¹ About $98 of it goes to the crew. The rest pays for shingles and underlayment, the dumpster and permit, workers comp, insurance, the truck, your own pay and a profit, and when you add those up from your own costs you get your price per square. In the example on this page it's $565, at a 37% gross margin. Repairs run on a minimum (owners' median is $525), and gutters sell by the foot, about $10.90, with a minimum job.

The rate sheet does that arithmetic with your own costs and your state's workers comp figure, then gives you a repair minimum, gutter prices and a margin check. Get it two ways: make your own copy in Google Sheets or download the Excel version (.xlsx). Pick one, enter your email and I'll send the link.

Search "roofing price per square" and Google mostly shows homeowner cost pages. Between them sit a thread on r/RoofingSales and a roofers' Facebook group, where roofers ask each other the same thing you're asking. This page is for that side of the table: what to charge, built from what a square costs you.

Roofing price per square: all-in versus labor only

A square is 100 square feet of roof. Roofers quote two very different numbers per square, and new owners mix them up. The all-in price is what the homeowner pays for the whole job. The labor price is what a crew or sub gets to tear off and install. Here's what roofers on Reddit said they charge, one figure per person, from August 2024 to November 2026:¹

Most of these people say "we charge" without saying they own the company, so read the counts as rough tiers. Few name a state, and no state has more than seven of them, so this page doesn't give a price by state.

The mix-up shows up in the first bid. An installer going out on his own asked for help: "I'm familiar with the work but not bidding, I'm trying to branch out on my own and have only given price for my labor." He'd bid $350 a square. An owner one year in replied: "Im easily at 550-600 a sq."² Copying the competition is the other trap. A new owner got quotes of $460 to $505 a square on his own house, "So we used this pricing when creating our own pricing," and showed a profit of a couple of thousand dollars on a 27-square job. The reply: "If you're making $100 a square you will be out of business in the first year my friend."³

For a measured number, Angi puts the national average roof replacement at $9,610, "based on 32,999 verified projects from Angi Pros," with most homeowners paying $5,903 to $13,378.⁴ Angi doesn't give that per square. Spread over the 13 to 18 squares it gives for an average home, it's $534 to $739 a square (my arithmetic). So the owners' median isn't out of line with what homeowners pay.

Owners argue about the unit itself. One: "Pricing per square is for the birds," with a spreadsheet of every job cost in its place. Another: "Price per square is a good starting point or price floor."^{3, 5} Both are right. Build the cost of a square from your own numbers once, then use that as the floor for every job and price the extras on top. One rough check: the sell price runs about five to six times crew pay (the owners' medians are $536 and $98).

How to price a roofing job: your price per square from your costs

Here's the method, with the example from the rate sheet. In the sheet, sourced numbers are marked EXAMPLE and placeholders MADE-UP EXAMPLE; replace each with a bill, a quote or your supplier's price.

1. Crew pay per square: $98.
2. Materials per square, with waste: $214.50.
3. The dump fee, permit and the decking sheets you include, spread over a typical 25-square job: $28.03.
4. Workers comp and payroll tax, if the crew is on your payroll: $9.94 on Iowa's 2026 rate, plus $7.50. That makes the job cost $357.97 a square.
5. Overhead for the year, your own pay included, spread over the squares you'll sell: $89,951 over 750 squares is $119.93.
6. Profit as a share of the price. At a made-up 15%: $477.90 ÷ 0.85 = $562.24, rounded up to $565 a square.

That's a 36.6% gross margin, a 57.8% markup on job cost, $87.10 a square of profit and 5.8 times crew pay. It sits inside the owners' middle half. Each step is below.

Roofing labor cost per square: what crews get

The 31 roofers who said what they pay a crew or sub per square put the median at $98. "I pay the crew that gets most of my work 110 per square on shingles, 200 per square on hot work," says one. A Virginia roofer pays "100 per square, plus steep charges (20-40 a square from 8 to 12 pitch)," and a Colorado one: "We pay our crews $105/square in Colorado. Labor just went up $5/square this year."⁶ Ask a crew for its price per square on a plain one-layer tear-off, and get its adders for pitch, stories, layers and decking in writing.

Materials per square

Every line there is made up. Only seven roofers gave an all-in material cost, and the middle of them said $148 to $267 a square. Prices move, too.¹ "5 years ago, we could get shingles around 60 -70 dollars a square (that's material only) now it ranges between 130-150 a square," one wrote in late 2024. In March 2026 another: "Just heard from our suppliers on April 13th there's going to be a 20% across the board price hike."⁷ Price from this month's supplier quote, and put an expiry date on your own.

Dump fee, permit and the decking you include

These are per job, so spread them over a typical job's squares. In the example a $450 dumpster and a $150 permit (both made up) plus two included decking sheets come to $700.67, or $28.03 a square over 25 squares. Including a couple of sheets is common: "I always include 2 to 3 boards in my quote."⁸ Sheets past those get a per-sheet price (below), and both go in the contract.

Workers comp per square, by state

Workers comp is charged per $100 of payroll, and roofing costs far more than most trades. In Massachusetts the official rate is $31.21 for roofing against $1.47 for electrical work.⁹ So when the crew is on your payroll, comp becomes a cost per square: the rate ÷ 100 × crew pay. On top of that you pay the employer's 6.2% Social Security and 1.45% Medicare, 7.65% in all, or $7.50 a square on $98.¹⁰ State unemployment tax comes on top; ask your accountant.

Here's the official roofing figure in each state on our list (class 5551; Massachusetts calls it 5545), next to what employers pay a roofer there.^{9, 11, 12, 13, 14, 15, 16, 17, 18} The wage is employee pay, so treat it as a floor under your own pay. I read each figure from the rating bureau or the state on November 3, 2026.

Three kinds of number sit in that column. A rate is what insurers start from. A loss cost covers expected claims only, and each insurer multiplies it by its own factor, so your rate will be higher than Colorado's $5.40 or Connecticut's $10.59. An assigned risk rate is what the insurer of last resort charges when no company will write you, which can happen to a new roofing company with no history. Louisiana, Utah and Nebraska approve loss costs but don't post the class pages. Rates move, too. Massachusetts' was $38.36 until July 2024, and a Boston owner wrote in March 2025, "My comp rate is 38%," probably on a policy written before the cut.^{9, 19} A policy has a minimum premium as well ($1,200 in New Jersey), which matters in a slow first year.¹¹

Swap Iowa's comp for Massachusetts' and the same example costs $20.65 a square more before margin. That's why the price gap between an insured crew and one you cover is real: "100/sq for an insured sub and 75-80 if I'm having to cover WC for them."¹⁹ If you use an insured sub that carries its own comp, the comp and payroll tax lines drop out (the example comes to $545 at the same $98). Keep the sub's certificate for every job. An insurer's audit charges you for uninsured subs' payroll, and one California owner's audit "came out to over 200k!"¹⁹

Overhead, your own pay, and how many squares you'll sell

Overhead is everything that isn't on one job: insurance, the truck and trailer, ladders and fall protection, measurement reports, the license or registration, phone and software, the accountant, advertising and leak callbacks. The example's general liability line is a real quote from a roofer starting out alone: "I applied for $1million in coverage, $10,000 deductible, the best quote I got so far is $5,500 a year."²⁰ At bigger firms it runs nearer 1% of revenue: "I should be paying around 1% of revenue," wrote one, and others in the thread gave $10,000 on $2 million and $35,000 on $3.8 million.²⁰ The rest of the example's lines are made up.

Your own pay goes in overhead too. If you sell, measure and run jobs instead of swinging a hammer, someone has to pay for that time. The example uses Iowa's median roofer wage for a full year, $48,651, as a floor.¹⁸ With your pay the year comes to $89,951.

Then divide by the squares you'll sell. It's the easiest number to guess too high. The example's 750 squares is 30 roofs of 25 squares. At 500 squares the same costs give $635 a square; at 1,000, $530. Guess low in year one and check it every quarter.

Roofing profit margin: margin versus markup

Markup is your profit divided by your cost. Gross margin is the same profit divided by the price. Mixing them up is how a roofer who means to keep half keeps a third. One roofer correcting another's advice: "Cost + 50% works out to roughly a 32% margin. Margin for full replacements should be a MINIMUM of 40% (cost x 1.67) and hopefully closer to 50% (cost x 2). Repairs should be priced with 60%+ margins (cost x 2.5)."²¹ The exact figure is 33%.

The 11 roofers who gave a target said 35 to 50% gross margin on reroofs and 50 to 70% on repairs.¹ A New Jersey owner works it the other way round and lands in the same place: "I typically add 40-60% of labor and materials on top and then check to see where that lands in terms of price per square which is usually 600-675 per square."²² The contractor markup page has the arithmetic in more detail.

Gross margin isn't profit. In the example the 36.6% gross margin pays $119.93 of overhead and your pay before the $87.10 of profit. A sales rep comes out of it too. One owner pays "a flat 10% on anything with a 40% gross profit or greater," and a rep at another firm explains the knock-on: "$430 per sq is our cost. To keep it above margin and actually make 7% commission we need to charge $750 per square."²³ The rate sheet has a commission line, set to zero until you hire one.

Adders: steep pitch, extra stories, extra layers and decking

The price per square covers a plain job: one layer off, a pitch you can walk, two stories or fewer. Everything else gets an adder, priced in the rate sheet as the extra cost divided by one minus your gross margin. In the example:

• Steep roof, about 8/12 and up: the crew's extra $30 a square becomes $60 a square.
• Third story and up: an extra $10 to the crew becomes $20 a square (made up).
• Each extra layer torn off: $10 to the crew plus $5 of dump cost becomes $30 a square. Owners sell it at $15 to $40. One learned the hard way: "I've missed layers jobs before and had to eat the cost. Now my contract mentions any additional layers are $25/sq."²⁴
• Decking past the included sheets: a $15 sheet and $30 of crew pay become $80 a sheet. Owners' median is $85: "I charge 85 a sheet for plywood and will do volume discount to 60 a sheet for full re-deck."⁸

Those prices belong in the contract the customer signs, before anyone's on the roof.

Roof repair minimum charge

Repairs don't price per square, and they don't price well by the hour either. Owners set a minimum for anything that puts a ladder up: a median of $525 among the 20 who stated one.¹ "We have a $750 minimum for roof repairs," says one. Another: "Most minimums are $500 these days in most states 1k if near a coast."²⁵

Work yours out from the visit. One roofer lays it out: "Any work on a roof is a minimum of two guys since one needs to be able to call emergency services for the other if a fall takes place. Since climbing up on roofs is dangerous and tedious each guy gets paid $200 and then we buy the cap for $50. Cost of repair is ~$450. Price = cost x 2 therefore the quote is $900." Another adds up the same pieces: "After minimum charge of 4 hours between 2 guys, truck fee, full bundle of cap for 8', tool fees you're looking at $600 on average."²⁵

The rate sheet's example: two people for three hours each, door to door, at Iowa's median roofer wage with comp and payroll tax ($27.55 an hour each) is $165.30. Add $50 of materials and $60 for the truck and tools, and the visit costs $275.30. At a 50% repair margin that's $550.60, rounded up to $575. Bigger repairs are priced on their own from the same hours and margin.

Flat roofs and metal roofs: ranges, with warnings

Owners price these differently, and the spread is wide:¹

• Flat roofs (TPO, EPDM, modified bitumen): the middle half charge $763 to $1,350 a square (18 roofers), or $5.60 to $21.50 a square foot (15). The full spread runs from $400 to $4,000 a square, and in one thread two roofers gave $500 to $550 a square and $20 a square foot for the same kind of job.
• Metal: the middle half charge $938 to $1,538 a square (15 roofers), and $11 to $17 a square foot for standing seam (8).

Don't stretch your shingle numbers to cover them. The crew pay is different (the roofer above pays $200 a square on hot work against $110 on shingles), and so are the materials and the details. Price your first ones from a supplier's system quote and a crew that has done that system before, and say on the quote whether you priced by the square or the square foot.

Insurance claim pricing is a different number

Where storms are common, the insurer's estimate, usually written in Xactimate, often pays more than retail. Seven sources put claim pricing about 10 to 35% above retail. A Colorado Springs roofer in 2024: "Insurance is paying around $600-$700/ square. I'm not getting many bids back at anything over $500/square." Another: "their quotes come out %10-%20 higher than my price typically would be."²⁶ Not everyone agrees: "My price per square is higher than insurance. Its very common, and good roofers don't compete for prices."

Keep the two numbers apart. A claim price comes with hours of paperwork ("Some of these claims can end up being upwards of 10 or 20 hours of time spent getting it approved") and months of waiting, so it's no benchmark for a retail bid.²⁶ Some states also limit what a roofer may promise or do on a claim, so check your state's rules before you advertise claim work.

Gutter price per foot, with a minimum

Ten of the 18 roofing firms on our list whose websites I could read sell siding or gutters too, and gutters are easy money when they're priced right. One roofer: "I own a gutter machine. I offer upgrades for gutters and leaf guards on every project. Most accept. Gutter materials are incredibly cheap and install is quick. Best 25k I've spent."²⁷

• Price per foot: a median of $10.90 installed, middle half $8.50 to $13.90 (36 roofers).¹ Downspouts often sell at the same price per foot.
• What subs charge you: "Shit the subs charge $6-$7/LF," one roofer says, who sells at $10 a foot and up.²⁷
• Height: a north Florida gutter owner charges "$12/foot on 1 story, 14 for 2 story and up to 20 for 3 story."²⁷
• Guards: "Decent guards should be an additional $8-$10 a ft."²⁷
• A minimum job: "I charge $350 minimum for single story work," says one gutter owner, and another quotes "a $500-750 minimum to pull the trailer out and get set up."²⁷

In the rate sheet, a $7 sub price at a 35% margin gives $11 a foot, guards at $8 a foot more, and a $350 minimum that takes over below 32 feet. A 140-foot job with 40 feet of downspout comes to $1,980.

On your next bid

1. Get this month's material prices from your supplier and a written per-square price from your crew, with its adders.
2. Ask an insurance agent for your workers comp rate for roofing (class 5551, or 5545 in Massachusetts) and your general liability premium. Put both in the sheet.
3. Fill in your overhead with your own pay, and be honest about how many squares you'll sell this year.
4. Read your price per square and gross margin. If the margin is under 35%, find out which line did it before you lower anything.
5. Measure the roof, then price it: squares × your price, plus the adders, never under your repair minimum.
6. Write the decking price per sheet, the extra-layer price and a quote expiry date into the contract.
7. Price the gutters on the same quote, by the foot, with a minimum.

Roofing price per square calculator (free rate sheet)

The rate sheet has six tabs. Price per square is the internal one, with two columns: a worked example in blue, and yours to fill. Pick your state and it fills in the official comp figure and the median roofer wage; type the rate from your own quote to override it. It works out the job cost, overhead per square, the price, gross margin, markup and the adders. Repair minimum, Gutters and Margin check do what their names say. State comp holds the table above with sources, and Notes explains every formula and where each example comes from. Sourced examples are marked EXAMPLE, placeholders MADE-UP EXAMPLE.

To fill it in:

1. Copy the Google Sheet or open the .xlsx and start on Price per square, in the Yours column.
2. Pick your state, then say whether the crew is on your payroll or an insured sub.
3. Put in your crew's price per square and your supplier's prices, line by line.
4. Add your per-job costs, your comp rate if you have a quote, and a year of overhead.
5. Set a profit and read the checks. Then fill in Repair minimum and Gutters.

More for new roofing companies

• Roofing estimate template and checklist: every line from tear-off to dump fee, with a free spreadsheet and roof sheet.
• Roofing contract template: the decking and extra-layer clauses that stop you eating the cost.
• Roofing insurance and workers comp: what it costs in your state, the official comp rates and what can sink you, with a free checklist.
• Your roofing license, whether gutters and siding are included, and your first 30 days: Louisiana, Massachusetts, Minnesota, Utah, Virginia.
• Insurance claims, what a roofer may and may not say, and the notice your contract needs: Colorado, Iowa, Louisiana, Minnesota, Nebraska.

Where Deepsel fits

A spreadsheet is the right place to work the price out. Bidding happens at the kitchen table. In Deepsel, each price book item has a name, a description that shows on the quote, a unit you type (square, sheet, foot), a price, and a cost the customer never sees; the edit screen shows the markup and gross margin those two give. Put in your price per square, the adders, decking per sheet, the repair minimum and gutters per foot. The unit shows when you pick an item, but the quote line carries the name, quantity and price, so put the unit in the name too ("Reroof, per square"). Quantities take decimals, so 27.33 squares works. A quote can carry options, say two shingle lines, and optional lines the customer ticks when approving, such as gutter guards, with an on-screen signature and an optional card deposit that comes off the final invoice. The terms text you write once is copied onto every new quote, which is where the decking and extra-layer prices go. What it won't do: measure a roof, work your price per square out from your costs, apply a markup or a minimum by itself, or handle an insurance claim. Estimate templates are on Pro. The Free plan covers 30 estimates and 30 invoices a month for your whole team; Pro is $29 a month for unlimited estimates and invoices. Details are on the pricing page.

Frequently asked questions

How much should a roofer charge per square?

Enough to cover crew pay, materials, the dump fee and permit, workers comp, insurance, overhead and your own pay, plus a profit. Among 86 US roofers who stated an all-in price for a plain asphalt reroof on Reddit, the median was $536 a square and the middle half charged $443 to $670. Built from this page's example costs (an Iowa crew on payroll at $98 a square, $214.50 of materials, 750 squares a year and a 15% profit), it comes to $565 a square at a 37% gross margin. Your number comes from your costs, not from the competitor's quote.

What is the roofing labor cost per square?

Roofers on Reddit who pay a crew or sub per square stated a median of $98, with the middle half at $84 to $106 (31 people). One Virginia roofer pays $20 to $40 a square more for steep roofs. If the crew is on your payroll, add workers comp and payroll tax on top: at $98 a square that's $9.94 of comp on Iowa's 2026 rate and $30.59 on Massachusetts', plus $7.50 of Social Security and Medicare.

How do you price a roofing job?

Measure the squares, then build a price per square from your costs: crew pay, materials per square with waste, the dump fee and permit spread over the job, workers comp and payroll tax if the crew is on your payroll, and your overhead (including your own pay) spread over the squares you'll sell in a year. Divide that by one minus your profit share. Add the adders for pitch, stories, extra layers and decking, and check the gross margin lands at 35% or more.

What is a good profit margin for a roofing company?

The 11 roofers on Reddit who gave a target said 35 to 50% gross margin on reroofs and 50 to 70% on repairs. Gross margin is what's left after job costs (crew, materials, dump, comp), before overhead and your pay. In this page's example a 37% gross margin leaves a 15% profit after overhead.

Is cost plus 50% a 50% margin?

No. A 50% markup on cost is a 33% gross margin: $100 of cost sold at $150 leaves $50, and $50 is a third of $150. One roofer put it this way: "Cost + 50% works out to roughly a 32% margin." For a 50% margin you double the cost.

What should a roofer charge for a small roof repair?

Most roofers set a minimum for anything that puts a ladder up. Among 20 who stated one on Reddit, the median was $525 and the middle half was $431 to $750. Work yours out from two people's time door to door, materials and the truck, at a 50% or higher repair margin: this page's example comes to $575.

How much should I charge for gutter installation per foot?

Roofers on Reddit who stated a price for installed gutters gave a median of $10.90 a foot, with the middle half at $8.50 to $13.90 (36 people), downspouts often at the same price per foot and a minimum job of $350 to $500. If a gutter sub charges you $7 a foot, a 35% margin gives $11.

Does insurance pay more per square than retail?

Often, where storms are common. Roofers who compared the two put Xactimate (claim) pricing about 10 to 35% above their retail price, from 7 sources. A Colorado Springs roofer: "Insurance is paying around $600-$700/ square. I'm not getting many bids back at anything over $500/square." Claims take hours to get approved, so keep the claim number out of your retail price.

Sources

1. Deepsel research, prices stated by US roofing pros on Reddit (r/Roofing, r/RoofingSales, r/Contractor and other trade and small-business subs), August 2024 to November 2, 2026, one figure per person (the midpoint of a stated range), known promotional accounts removed, homeowner quotes kept out. Asphalt reroof all-in: 86 people, median $536 a square, middle half $443 to $670. Crew or sub labor: 31, median $98, middle half $84 to $106. Asphalt materials all-in: 7, middle half $148 to $267 a square. Decking: 55, median $85 a sheet, middle half $70 to $100. Extra layer: 5 sold $15 to $40 a square; 4 pay crews $5 to $15. Repair minimum: 20, median $525, middle half $431 to $750. Flat roof: 18, middle half $763 to $1,350 a square, full range $400 to $4,000; 15 per square foot, $5.60 to $21.50. Metal: 15, middle half $938 to $1,538 a square; standing seam 8, $11 to $17 a square foot. Gutters: 36, median $10.90 a foot, middle half $8.50 to $13.90. Gross margin targets: 11 people, 35 to 50% on reroofs, 50 to 70% on repairs. About three in four say "we charge" without saying they own the firm. No state has more than 7 people. Counted November 2, 2026.
2. r/Roofing, a roofer going out on his own (October 12, 2024) - "I'm familiar with the work but not bidding, I'm trying to branch out on my own and have only given price for my labor." Reply, October 13, 2024: "Im easily at 550-600 a sq." reddit.com, reddit.com, quotes checked November 2, 2026.
3. r/Roofing, a new owner pricing from competitors' quotes (February 6, 2025; the post is gone from live Reddit and was read in an archive) - "So we used this pricing when creating our own pricing." Replies: "If you're making $100 a square you will be out of business in the first year my friend." (reddit.com); "Pricing per square is for the birds. You need to make a spreadsheet that calculates your expected cost based off of an eagle view or other measurement software and should include ALL costs of goods sold (COGS)." (reddit.com). Post: reddit.com. Quotes checked November 2, 2026.
4. Angi, Mizuki Hisaka, "How Much Does Roof Replacement Cost? [2026 Data]" (updated October 22, 2026) - "In 2026, the national average cost to replace a roof is $9,610, based on 32,999 verified projects from Angi Pros. Most homeowners pay between $5,903 and $13,378"; "The average home has a roof size between 1,300 and 1,800 square feet". Homeowner-side and national. angi.com, read November 3, 2026.
5. r/Roofing comment, November 23, 2024 - "Price per square is a good starting point or price floor." reddit.com, quote checked November 2, 2026.
6. Crew pay per square, r/RoofingSales and r/Roofing - "I pay the crew that gets most of my work 110 per square on shingles, 200 per square on hot work." (February 7, 2025, reddit.com); a Virginia roofer: "100 per square, plus steep charges (20-40 a square from 8 to 12 pitch), and $1 a foot for dnr gutter guard, step flashing, ridge vent. Usually comes out to something between 110 and 130" (February 8, 2025, reddit.com); "We pay our crews $105/square in Colorado. Labor just went up $5/square this year." (November 24, 2024, reddit.com). Quotes checked November 2, 2026.
7. Material prices, r/Roofing - "5 years ago, we could get shingles around 60 -70 dollars a square (that's material only) now it ranges between 130-150 a square." (November 9, 2024, reddit.com); "Just heard from our suppliers on April 13th there's going to be a 20% across the board price hike" (March 25, 2026, reddit.com). Quotes checked November 2, 2026.
8. Decking, r/Roofing - "I always include 2 to 3 boards in my quote." (April 23, 2026, read in an archive, reddit.com); "I charge 85 a sheet for plywood and will do volume discount to 60 a sheet for full re-deck." (February 7, 2025, reddit.com); an Alabama roofer: "I charge $100 per sheet in Alabama. 1/2 osb $15 a sheet and I pay my guys $50 per sheet to install." (August 13, 2026, reddit.com). Quotes checked November 2, 2026.
9. Workers' Compensation Rating and Inspection Bureau of Massachusetts, manual rates effective July 1, 2024 (class 5545, roofing, $31.21; 5190, electrical, $1.47) and Circular Letter 2431: "5545 ROOFING NOC & YARD EMP, DRIVERS 38.36 31.21 (18.6%)". wcribma.org, wcribma.org. Still in force: Circular Letter 2445 (May 16, 2025), "the Commissioner of Insurance has disapproved the WCRIBMA's rate filing to change rates effective July 1, 2025. The rates and rating values currently in effect will remain in effect." wcribma.org. Read November 3, 2026.
10. IRS, "Topic no. 751, Social Security and Medicare withholding rates" (last reviewed or updated September 24, 2026) - "The current tax rate for Social Security is 6.2% for the employer and 6.2% for the employee, or 12.4% total. The current rate for Medicare is 1.45% for the employer and 1.45% for the employee, or 2.9% total." irs.gov, read November 3, 2026.
11. New Jersey Compensation Rating & Inspection Bureau, "New Jersey Rate & Classification Handbook, Numerical Order, Effective January 1, 2026" - class 5551, Roofing - All Kinds & Drivers: rate $25.334 per $100 of payroll, minimum premium $1,200. njcrib.com, read November 3, 2026.
12. Iowa: NCCI, "Iowa Advisory Rates, Assigned Risk Rates, and Rating Values Filing, Proposed Effective January 1, 2026" (August 19, 2025) - class 5551 advisory rate $10.139, assigned risk rate $12.349 (iid.iowa.gov); Iowa Insurance Division order of November 25, 2025: "It is ORDERED that the August 2025 rate filing is APPROVED to be effective January 1, 2026." (iid.iowa.gov). Read November 3, 2026.
13. Connecticut: NCCI, "Voluntary Loss Costs, Assigned Risk Rates, and Rating Values Filing, Proposed Effective January 1, 2026" - class 5551 voluntary loss cost $10.587, assigned risk rate $19.596 (portal.ct.gov); Connecticut Insurance Department memorandum and order of October 27, 2025: "NCCI's Voluntary Loss Costs and Assigned Risk Rates are accepted as filed." (portal.ct.gov). Read November 3, 2026.
14. Idaho Industrial Commission, "Idaho Workers Compensation Rates Effective Jan 1, 2026" - class 5551 rate $11.303 per $100 of payroll (iic.idaho.gov); Idaho Department of Insurance, October 10, 2025: the department "has reviewed and accepted a National Council on Compensation Insurance (NCCI) filing that will reduce workers' compensation rates by 2.5%, effective January 1, 2026." (doi.idaho.gov). Read November 3, 2026.
15. Colorado: NCCI, "Colorado Advisory Loss Cost Filing - January 1, 2026" - "ADVISORY LOSS COSTS - NOT RATES"; "Advisory loss costs exclude all expense provisions except loss adjustment expense"; class 5551 loss cost $5.404 (doi.colorado.gov); Colorado Division of Insurance, Order O-26-010: "The Filing is approved as filed, effective January 1, 2026." (doi.colorado.gov). Read November 3, 2026.
16. Virginia State Corporation Commission, "Virginia Assigned Risk Workers' Compensation Rates effective 4-1-2026" - "APPLICABLE TO ASSIGNED RISK POLICIES ONLY"; class 5551 rate $7.773, minimum premium $1,365. The SCC page doesn't post the voluntary loss costs. scc.virginia.gov, read November 3, 2026.
17. Minnesota Workers' Compensation Assigned Risk Plan, "Assigned Risk Plan Rates Effective New and Renewal January 1, 2026" - class 5551 rate $44.006, minimum premium $655 (mwcarp.org); MWCIA Circular 25-1867 (October 2, 2025) announcing the approved rates (mwcia.org). Minnesota's voluntary pure premium base rates sit behind the MWCIA member login. Read November 3, 2026.
18. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025, median hourly wage, Roofers (47-2181): NJ $36.83, MN $35.81, MA $34.98, CT $29.84, ID $27.78, CO $24.88, LA $23.44, UT $23.40, IA $23.39, VA $23.28, NE $22.34, US $26.65. Read from the BLS public data API (series OEUS3400000000000047218108 for New Jersey, and the same pattern for each state); tables at bls.gov, read November 3, 2026.
19. Workers comp, r/Roofing - "100/sq for an insured sub and 75-80 if I'm having to cover WC for them." (July 12, 2025, reddit.com); a Boston owner: "My comp rate is 38%." (March 23, 2025, reddit.com); a California owner: "I got audited by my previous workman's comp insurance and the bill came out to over 200k!" (May 14, 2025, read in an archive, reddit.com). Quotes checked November 2, 2026.
20. General liability, r/Roofing - "I quit my job to start my own roofing business, (I work alone), I applied for $1million in coverage, $10,000 deductible, the best quote I got so far is $5,500 a year." (February 13, 2025, read in an archive, reddit.com); "I should be paying around 1% of revenue" (January 2, 2026, with $10,000 on $2 million and $35,000 on $3.8 million in the same thread, reddit.com). Quotes checked November 2, 2026.
21. r/Roofing comment, August 19, 2024 - "Your advice on pricing is terrible. Cost + 50% works out to roughly a 32% margin. Margin for full replacements should be a MINIMUM of 40% (cost x 1.67) and hopefully closer to 50% (cost x 2). Repairs should be priced with 60%+ margins (cost x 2.5)." reddit.com, quote checked November 3, 2026.
22. r/Roofing comment by a New Jersey owner, March 11, 2025 - "I typically add 40-60% of labor and materials on top and then check to see where that lands in terms of price per square which is usually 600-675 per square." reddit.com, quote checked November 2, 2026.
23. Sales commission, r/RoofingSales - "we pay our reps a flat 10% on anything with a 40% gross profit or greater, plus a stipend for their truck and gas, plus a phone." (October 7, 2026, reddit.com); a rep at a firm that subs out its installs: "$430 per sq is our cost. To keep it above margin and actually make 7% commission we need to charge $750 per square." (February 28, 2026, reddit.com). Quotes checked November 2, 2026.
24. r/Roofing comment, December 4, 2025 - "I've missed layers jobs before and had to eat the cost. Now my contract mentions any additional layers are $25/sq" reddit.com, quote checked November 2, 2026.
25. Repair minimums, r/Roofing - "We have a $750 minimum for roof repairs." (August 12, 2024, read in an archive, reddit.com); "After minimum charge of 4 hours between 2 guys, truck fee, full bundle of cap for 8', tool fees you're looking at $600 on average." (same thread, August 12, 2024, reddit.com); "Most minimums are $500 these days in most states 1k if near a coast." (September 4, 2024, reddit.com); "Any work on a roof is a minimum of two guys since one needs to be able to call emergency services for the other if a fall takes place. Since climbing up on roofs is dangerous and tedious each guy gets paid $200 and then we buy the cap for $50. Cost of repair is ~$450. Price = cost x 2 therefore the quote is $900." (September 20, 2024, reddit.com). Quotes checked November 2 and 3, 2026.
26. Claim pricing, r/Roofing - a Colorado Springs roofer: "Insurance is paying around $600-$700/ square. I'm not getting many bids back at anything over $500/square." (August 13, 2024, reddit.com); "their quotes come out %10-%20 higher than my price typically would be." (January 27, 2025, reddit.com); "My price per square is higher than insurance. Its very common, and good roofers don't compete for prices." (January 12, 2025, reddit.com); "Some of these claims can end up being upwards of 10 or 20 hours of time spent getting it approved" (February 11, 2026, reddit.com). Quotes checked November 2, 2026.
27. Gutters, r/Roofing - "I own a gutter machine. I offer upgrades for gutters and leaf guards on every project. Most accept. Gutter materials are incredibly cheap and install is quick. Best 25k I've spent." (June 24, 2025, reddit.com); "My gutters price isn't 5x either, in my area low retail pricing is $10/LF. Shit the subs charge $6-$7/LF." (November 21, 2025, reddit.com); "I own a gutter machine in north Florida and charge $12/foot on 1 story, 14 for 2 story and up to 20 for 3 story." (November 19, 2024, reddit.com); "Gutters should cost around $10 a ft including downspouts. Decent guards should be an additional $8-$10 a ft." (March 14, 2025, reddit.com); "I charge $350 minimum for single story work. My price is $2 per ft tear off, $9 a ft for 6 inch gutter and same for downspout." (November 27, 2025, reddit.com); "Gutters in my area are about $6-8/ft (including downspouts) or a $500-750 minimum to pull the trailer out and get set up." (August 10, 2025, reddit.com). Quotes checked November 2 and 3, 2026.