// Homeowner Guide
Metal Roofing vs Shingle Roofing
Shingles are cheaper up front; metal lasts 2–3x longer and often earns an insurance discount in hail and wildfire zones. The right pick depends on how long you plan to own the home, your climate, and your resale strategy.
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Asphalt Shingles
- • $4–$8 per sq ft installed
- • 20–30 year lifespan
- • Widest color and style range
- • Every roofer can install and repair them
- • Best value if you'll sell within 10 years
Metal Roofing
- • $9–$16 per sq ft installed (standing seam)
- • 40–70 year lifespan
- • Class 4 impact rating — often earns insurance credit
- • Energy-reflective; lowers cooling costs
- • Best ROI if you'll stay 15+ years
The Break-Even Point
Over a 40-year window, metal usually costs less because you avoid at least one full shingle replacement. But if you're moving within 10 years, shingles almost always win on payback. Ask any roofer you interview to model both options side-by-side, including insurance discounts.
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