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Metal Roof VS Asphalt Shingles Cost: A Complete Guide for Homeowners
When planning a new roof, one of the biggest decisions homeowners face is whether to invest in a metal roof or stick with traditional asphalt shingles. Both materials have their own strengths, but cost often becomes the deciding factor. Comparing metal roof vs asphalt shingles cost requires looking beyond just the initial price tag—you also need to consider longevity, maintenance, energy efficiency, and long-term savings.
This guide will break down the upfront expenses, hidden costs, lifespan, and value of both materials so you can make a confident choice that fits your budget and goals.
Why Cost Matters in Roofing Decisions
A roof is one of the most significant investments you’ll make for your home. Not only does it protect your family and belongings, but it also contributes to curb appeal and property value. Because roofs last for decades, making the wrong decision could cost thousands of dollars in repairs or replacements.
While asphalt shingles remain the most popular option due to their affordability, metal roofing has been steadily gaining traction because of its durability and long-term value. Understanding both the short-term and long-term costs is key to making the right decision.
Upfront Cost Comparison
Asphalt Shingles
Asphalt shingles are known for being cost-effective and easy to install.
- Material cost: $90–$120 per square (100 square feet).
- Installation cost: $3.50–$6.00 per square foot (including labor).
- Average total: $9,000–$18,000 for a standard 1,500–2,000 sq. ft. roof.
Shingles are often chosen because the upfront investment is significantly lower than metal roofing.
Metal Roofing
Metal roofing costs more upfront but offers a much longer lifespan.
- Material cost: $150–$600 per square (depending on type—steel, aluminum, copper, or zinc).
- Installation cost: $7.00–$14.00 per square foot (including labor).
- Average total: $15,000–$35,000 for a standard 1,500–2,000 sq. ft. roof.
While these figures may seem high, metal roofing provides savings in the long run through durability and efficiency.
Lifespan and Long-Term Value
A major factor when comparing metal roof vs asphalt shingles cost is how long each roof lasts.
- Asphalt shingles: 15–30 years depending on quality and climate.
- Metal roofing: 40–70 years, with some copper and zinc roofs lasting over 100 years.
If you plan to stay in your home for decades, metal roofing may actually cost less in the long term because you’ll likely only install it once, compared to replacing asphalt shingles two or more times.
Maintenance and Repair Costs
Asphalt Shingles
- Susceptible to cracking, curling, and granule loss.
- May require patching or partial replacement after storms.
- Vulnerable to algae, moss, and mildew growth.
- Average annual maintenance cost: $200–$500.
Metal Roofing
- Resistant to rot, insects, and mildew.
- Minimal maintenance, usually just inspections and occasional tightening of fasteners.
- More resistant to wind and hail damage.
- Average annual maintenance cost: $100–$300.
Metal roofs cost more upfront but reduce ongoing repair expenses.
Energy Efficiency and Utility Savings
Another hidden factor in cost is energy efficiency.
- Asphalt shingles: Absorb heat, especially dark-colored shingles. May increase cooling costs in summer.
- Metal roofing: Reflects solar radiant heat, reducing cooling expenses by 10–25%.
Over time, energy savings can add up to thousands of dollars, especially in hot climates.
Insurance and Warranty Differences
Insurance premiums and warranties can also affect the metal roof vs asphalt shingles cost comparison.
- Asphalt shingles: Standard warranties of 20–30 years, often prorated. Insurance may cover storm damage but premiums remain average.
- Metal roofing: Warranties often 40–50 years, sometimes lifetime. Many insurers offer discounts due to fire resistance and wind durability.
This means metal roofs may save money on both insurance and replacement costs.
Resale Value and ROI
If you plan to sell your home, your choice of roofing can impact resale value.
- Asphalt shingles: Add moderate curb appeal but are seen as a standard option.
- Metal roofing: Considered a premium feature by buyers, often increasing resale value by 1–6%.
While ROI depends on your local market, a metal roof often provides stronger resale benefits.
Climate Considerations
Cost-effectiveness can vary based on climate:
- Hot climates: Metal roofing saves more on cooling costs.
- Cold climates: Metal sheds snow and ice more easily, reducing damage.
- Storm-prone regions: Metal roofs resist wind and hail better, lowering repair costs.
- Mild climates: Asphalt shingles may be sufficient if extreme weather isn’t common.
Environmental Impact
Sustainability also plays a role in long-term cost:
- Asphalt shingles: Petroleum-based, less eco-friendly, often end up in landfills.
- Metal roofing: Often made from recycled materials and fully recyclable at end of life.
If you value sustainability, metal may be worth the added expense.
Breaking Down the Lifetime Cost
Let’s compare a 50-year period for a 2,000 sq. ft. roof:
Asphalt Shingles
- Initial cost: $12,000 (average).
- Replacement every 20–25 years: 2 replacements = $24,000.
- Maintenance and repairs: $10,000 (average).
- Total lifetime cost: ~$46,000.
Metal Roofing
- Initial cost: $25,000 (average).
- No replacement needed within 50 years.
- Maintenance and repairs: $5,000 (average).
- Energy savings: -$8,000 (average over 50 years).
- Total lifetime cost: ~$22,000.
While asphalt shingles seem cheaper at first, over decades, metal often proves more cost-effective.
Styles and Aesthetic Costs
Appearance also influences roofing choice:
- Asphalt shingles: Wide variety of colors and styles, lower design costs.
- Metal roofing: Available in standing seam, corrugated, and shingle-style panels. Premium finishes can add cost but also elevate curb appeal.
Financing and Budgeting
Most homeowners choose asphalt shingles when budget constraints are tight. However, financing options like home equity loans or roof-specific financing can make metal roofing more accessible. When monthly payments are spread out, the long-term savings of metal roofing may outweigh the initial investment.
Common Myths About Metal Roof Costs
- “Metal roofing is too expensive for average homeowners.”
While the upfront price is higher, financing and long-term savings make it affordable. - “Shingles are always the cheapest option.”
This is true initially but not always over a 50-year span. - “Metal roofs are noisy and require more insulation.”
Proper installation with underlayment makes noise a non-issue.
Pros and Cons Recap
Asphalt Shingles
Pros:
- Lower upfront cost.
- Widely available.
- Easy installation and replacement.
- Many color and style options.
Cons:
- Shorter lifespan.
- Higher maintenance and repair costs.
- Less energy-efficient.
- Lower resale value.
Metal Roofing
Pros:
- Long lifespan (40–70+ years).
- Energy-efficient.
- Durable and low maintenance.
- Higher resale value.
- Eco-friendly.
Cons:
- Higher upfront cost.
- Requires skilled installation.
- Some styles cost significantly more.
Frequently Asked Questions
1. Which is cheaper to install, metal or shingles?
Asphalt shingles are cheaper upfront.
2. Which lasts longer?
Metal roofing lasts two to three times longer than shingles.
3. Do metal roofs save money on utilities?
Yes, by reflecting heat and lowering cooling costs.
4. Are metal roofs worth the investment?
If you plan to stay in your home long-term, absolutely.
5. Can I install a metal roof over shingles?
In some cases, yes—this reduces tear-off costs.
Final Thoughts
When comparing metal roof vs asphalt shingles cost, the decision comes down to priorities. If you need a quick, affordable solution, asphalt shingles may be the right choice. But if you’re planning for the long haul, metal roofing often proves to be the smarter investment thanks to its durability, efficiency, and resale benefits.
While asphalt shingles win in upfront affordability, metal roofing wins in lifetime value. By weighing short-term budget against long-term savings, you’ll be able to choose the roof that best protects your home and finances. 440-235-3124
