Insulation ROI Calculator (by Climate Zone)
Attic, wall, or basement insulation payback by climate zone. Includes federal 25C tax credit.
Based on IECC climate zones. Cold zones save more from insulation.
Attic floor area for attic; wall surface for walls; basement floor + walls for basement.
From your utility bills. Includes both heating and cooling.
Attic blown-in: $1.50/sqft. Wall retrofit: $3/sqft. Basement: $2.50/sqft.
Estimated payback period
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Based on climate zone, R-value increase, and current heating/cooling cost.
Annual savings
$0
Federal 25C credit
$0
Net upfront cost
$0
25-year savings
$0
Estimates based on DOE Energy Saver guidance and IECC climate zone savings curves. Actual savings depend on home tightness, air sealing, HVAC efficiency, and local fuel prices. Federal 25C insulation credit is 30% of cost (capped at $1,200 combined with other 25C improvements). Not financial advice.
Free calculator by CalcCottage