Renovate works with reputable contractors who offer affordable and flexible financing options so you can make your home more comfortable and reduce energy bills. The financing options for insulation, the amounts, and loan terms vary based on your creditworthiness and the companies that offer financing.
For example, if you get financing for an insulation upgrade that costs $5,000 at an APR of 10% over 24 months, you would pay about $231 per month. Your total cost to repay the loan would be $5,537.
There is no shortage of insulation options to choose from. Each type has benefits, but some are better than others for your home and climate. Our knowledgeable contractors can help explain the types of residential insulation and select one that is best for your needs.
On average, the cost to install insulation is $0.65 to $8.00 per square foot, but your total project costs will depend on the material, application method, labor rate, and the size of the area you’re sealing.
| Insulation Material | Cost Estimate |
| Fiberglass | $0.40–$1.60 |
| Cellulose | $0.60–$2.30 |
| Rockwool | $1.50–$4.20 |
| Wood Fiber | $0.25–$0.65 |
| Polystyrene | $4.50–$7 |
In addition, your insulation costs vary by the type of insulation, such as spray foam or rolled insulation.
| Insulation Type | Cost Estimate |
| Batts and rolls | $0.30–$2.60 |
| Spray foam | $0.60–$4.50 |
| Blown-in | $1–$2.80 |
| Foam board | $1.20–$3.70 |
Our qualified contractor can help you resolve some of the following common problems associated with poor insulation.
Choosing the wrong insulation for your home could make your home less energy efficient, but our network of seasoned contractors can help walk you through the following buying considerations before starting an insulation project:
R-value is the term used to describe an insulation’s resistance value, which determines how much your insulation resists hot air. Higher R-values on insulation materials are more effective at better resisting heat—for example, R38. Different climates need different R-value insulation. Talk with your contractor about where you’re installing the insulation, so they can choose the right insulation value for your home and climate.
Aside from where you want to install the insulation (attic, basement, walls), your climate zone plays the biggest role in determining the correct R-value. Renovate’s reputable network of contractors can help you choose insulation with the right density and thickness according to your location.
Insulation varies by material and the method used to apply it. While batt and roll insulation may require wall removal, other insulation types like spray foam and blown-in fiberglass or cellulose are applied using a hose without requiring any structural changes. Also, your contractor may recommend a certain application method for specific areas of your home.
Your insulation’s fire rating is also something to consider when making an insulation upgrade. While no insulation is fireproof, certain materials are more resistant to flames than others — a Class 1 fire rating, for example, indicates an insulation’s ability to slow smoke development and flame spread. Finding experienced contractors can help ensure you install safe, sturdy insulation throughout your home.
Renovate helps homeowners seal and insulate their homes affordably. Here are some of the benefits of using Renovate to secure an insulation loan to make energy-efficient home upgrades:
It’s free to use our financing request form and connect with experienced contractors who may offer flexible financing solutions. Renovate will reference its network of pre-screened professionals and show you affordable payment plans for financing insulation projects without a high upfront cost.
Renovate strives to connect homeowners with varying credit profiles to reputable, pre-screened contractors and direct financing options. Our large, inclusive lender network secures more opportunities for increasing comfort and decreasing utility costs by offering financing for insulation.
With Renovate, you may get a pre-qualification offer in minutes. Submit your request using our online form, and we’ll try to connect you with insulation contractors near you, so you can get started sealing your home one step at a time.
Fiberglass and foam board insulation is typically the most affordable option when it comes to material costs and the labor required to install it. That said, spray foam insulation is the most effective at reducing energy costs, which helps ensure a return on your investment. It’s important to talk with your insulation contractor about the best insulation for your home, location, and climate.
Local and federal rebates for insulation are available, and your installation professional can help you leverage the savings available in your area.
Adding insulation to your home may increase its sale value compared to uninsulated homes if you live in climates where insulation is preferred. More than resale value, insulated homes will enjoy reduced energy bills because the home is more efficient—this can also be seen as a potential benefit to homebuyers.
R60 insulation is commonly recommended for colder climates because its R-value is higher and the insulation is thicker. While these features can help block airflow during extreme temperatures, they are also more expensive. It may be worth buying R60 insulation if you’re insulating an attic and live in zones 7 or 8 (Alaska and cities near the northern U.S. border).
Yes, insulation financing typically helps cover the cost of the project, including materials. Terms vary by lender and home improvement company offering the loan, so it’s important to confirm spending guidelines before agreeing to the financing option.
