How Much Does a Roof Replacement Cost in St. Louis?
Most St. Louis homeowners pay between $9,000 and $22,000 for a full roof replacement in 2026, and a typical 2,000 sq ft home with architectural shingles lands around $13,000 to $16,000. That is a wide range, and the spread is real: it depends on how big your roof is, how steep it is, how many layers have to come off, and what shape the decking is in underneath. Below we break down exactly what moves the number, so you can tell a fair bid from a bad one before anyone knocks on your door.
We are a family-run roofing and siding company based in Kirkwood, and we have been replacing roofs across the St. Louis area since 2001. These are the ranges we actually see.
Key Takeaways
- Most full asphalt shingle roof replacements in St. Louis run $9,000 to $22,000 in 2026, with a typical 2,000 sq ft home landing around $13,000 to $16,000.
- Installed pricing works out to roughly $4.50 to $9.00 per square foot, or $450 to $900 per roofing square.
- Pitch, tear-off layers, decking condition, and roof complexity are the biggest reasons two bids on the same house come back different.
- Missouri homeowners policies generally cover sudden hail and wind damage but not age-related wear, and most carry a 1 to 2 percent wind and hail deductible.
- The cheapest bid almost always differs from the others for a reason. Find the reason before you sign.
Cost per square foot in St. Louis
Roofers price by the “square,” and one square equals 100 square feet of roof surface. Note that your roof area is always larger than your home’s floor area, usually by 10 to 30 percent depending on pitch and overhangs.
| Installed cost | |
|---|---|
| Per square foot | $4.50 to $9.00 |
| Per square (100 sq ft) | $450 to $900 |
Where you land inside that range comes down to material, pitch, and access. A simple one-story ranch in Affton sits near the bottom. A steep, cut-up two-story in Webster Groves with three valleys and a chimney sits near the top.
Cost by home size
These assume architectural asphalt shingles, one layer torn off, and decking in sound condition.
| Home size | Approx. roof area | Typical 2026 cost |
|---|---|---|
| 1,000 sq ft | about 12 to 14 squares | $6,500 to $11,000 |
| 1,500 sq ft | about 18 to 20 squares | $9,000 to $15,000 |
| 2,000 sq ft | about 24 to 26 squares | $12,000 to $19,000 |
| 2,500 sq ft | about 30 to 33 squares | $15,000 to $24,000 |
| 3,000 sq ft | about 36 to 40 squares | $18,000 to $30,000 |
Cost by roofing material
| Material | Installed cost / sq ft | Typical 2,000 sq ft home | Lifespan |
|---|---|---|---|
| 3-tab asphalt shingles | $4.50 to $6.00 | $11,000 to $15,000 | 15 to 20 yrs |
| Architectural asphalt shingles | $5.50 to $8.00 | $13,000 to $19,000 | 25 to 30 yrs |
| Impact-resistant (Class 4) shingles | $7.00 to $10.00 | $17,000 to $24,000 | 30+ yrs |
| Standing seam metal | $12.00 to $18.00 | $28,000 to $43,000 | 40 to 70 yrs |
| Cedar shake | $12.00 to $20.00 | $28,000 to $48,000 | 25 to 40 yrs |
| Slate | $20.00 to $30.00 | $48,000 to $72,000 | 75 to 100 yrs |
Architectural shingles are what the large majority of St. Louis homes get, and for good reason. They handle our wind and hail far better than 3-tab and carry a much longer warranty for a modest step up in price.
Worth knowing about Class 4: impact-resistant shingles cost more up front, but many Missouri insurers discount your premium 5 to 20 percent for them. On a hail-prone area like ours, that can pay the difference back over the life of the roof. Ask your agent for the exact discount before you decide.
What actually drives your price up
- Pitch. Anything over 6/12 needs harnesses, staging, and slower work. Steep roofs add 15 to 25 percent.
- Layers to tear off. A second layer of old shingles adds roughly $1,000 to $2,000 in labor and disposal on an average home.
- Decking condition. Rotted plywood is invisible until the old roof comes off. We charge $85 per sheet of OSB decking, or $95 per sheet on a steep roof. Most homes need a few sheets, some need none. Any honest estimate states the per-sheet price up front instead of surprising you mid-job. Ask every contractor for theirs in writing.
- Complexity. Valleys, dormers, skylights, chimneys, and multiple roof planes each add labor and flashing.
- Access. Tight lots, steep driveways, and landscaping that a dump trailer cannot reach all add time.
- Ventilation and code. Ridge vent, new underlayment, and ice-and-water shield in the valleys and eaves are required for the warranty to hold, and included in a proper bid.
- Season. Late spring through fall is peak. Winter scheduling is often a little cheaper if the weather cooperates.
What should be included in the price
If a bid is unusually low, something on this list is usually missing. A complete St. Louis roof replacement includes:
- Full tear-off and disposal of the old roof
- Decking inspection and replacement of rotted sheathing
- Synthetic underlayment across the whole deck
- Ice-and-water shield in valleys, eaves, and around penetrations
- New drip edge and all new flashing, not reused
- Ridge and soffit ventilation to code
- Starter strip and ridge cap shingles
- Manufacturer warranty registration
- Magnetic nail sweep and full property cleanup
- All permits pulled
Will insurance pay for it?
If your roof took storm damage from hail or wind, often yes. Missouri homeowners policies typically cover sudden storm damage but not age-related wear. The practical difference:
- Covered: hail bruising, wind-lifted or missing shingles, impact damage from falling limbs.
- Not covered: shingles that have simply reached end of life, curling from age, poor previous installation.
Most St. Louis policies carry a separate wind and hail deductible, often 1 to 2 percent of your home’s insured value rather than a flat dollar amount. On a $300,000 home a 1 percent deductible is $3,000, so that is your realistic out-of-pocket on an approved claim.
Two things matter a great deal here. First, document the damage before you file, with dated photos and a written inspection report. Second, get an independent inspection from a roofer, not just the adjuster’s read. Adjusters cover a lot of properties after a storm and details get missed. We do free inspections with drone documentation for steep or hard-to-reach roofs, and we will tell you honestly if we do not think you have a claim.
Be careful with anyone who knocks on your door after a storm promising to “waive your deductible.” That is insurance fraud in Missouri, and it puts you at risk, not just them.
How to pay for a roof
Most homeowners use one of four routes: an insurance claim, cash or savings, contractor financing with monthly payment plans you can apply for before you commit, or a home equity line. If cash flow is the constraint, ask about financing at the estimate stage rather than after. It often changes which shingle makes sense for you.
How to read three estimates side by side
Getting three bids is good advice, but only if you compare like with like. Ask every contractor:
- Is this a full tear-off, or a layover on top of the existing shingles?
- What is your per-sheet price for replacing rotted decking?
- Which exact shingle line, meaning brand and product, not just “architectural”?
- What is the workmanship warranty, in years, in writing? (Manufacturer warranty and workmanship warranty are two different things.)
- Are you licensed, insured, and can I see the certificate?
- Who is actually on my roof, your crew or a subcontractor?
- Is the permit included?
The cheapest bid usually differs from the others for a reason, so find the reason before you sign. The most common ones are a layover instead of a tear-off, reused flashing, or a thinner shingle.
Frequently asked questions
How much does a new roof cost in St. Louis in 2026?
Most St. Louis homeowners pay $9,000 to $22,000 for a full asphalt shingle roof replacement. A typical 2,000 sq ft home with architectural shingles runs about $13,000 to $16,000. Price depends on roof size, pitch, material, number of layers removed, and decking condition.
How much does it cost to replace a roof on a 1,500 square foot house?
In the St. Louis area, expect roughly $9,000 to $15,000 for a 1,500 sq ft home with architectural asphalt shingles. That home typically has 18 to 20 squares of roof surface, since roof area exceeds floor area once pitch and overhangs are counted.
What is the average cost per square for roofing in St. Louis?
Figure $450 to $900 per square (100 sq ft) installed in 2026, or $4.50 to $9.00 per square foot, depending on material, pitch, and complexity.
Does homeowners insurance cover roof replacement in Missouri?
Missouri policies generally cover sudden storm damage such as hail, wind, and impact, but not wear from age. Most policies carry a wind and hail deductible of 1 to 2 percent of the home’s insured value, so a $300,000 home usually means about $3,000 out of pocket on an approved claim.
How long does a roof replacement take?
Most St. Louis homes are done in one day. Larger or steeper roofs, or homes needing significant decking repair, can run two to three days. Weather is the main variable.
Can I put new shingles over my old roof?
Missouri code allows one layover in many cases and it saves $1,000 to $2,000, but we generally do not recommend it. A layover hides decking problems, shortens the new roof’s life, traps heat, and can void the shingle warranty. A full tear-off is the right call on almost every home.
What do you charge to replace rotted decking?
We charge $85 per sheet of OSB decking, or $95 per sheet on a steep roof. We cannot know how many sheets your roof needs until the old shingles come off, but you will know our per-sheet price before we start, because it is written into the estimate, so there is no mid-job surprise.
Is a more expensive roof worth it?
Usually the step from 3-tab to architectural is worth it, because you get better wind and hail performance and 10 or more added years for a modest increase. Beyond that it depends on how long you plan to stay. Impact-resistant Class 4 shingles make sense in hail country if your insurer discounts the premium.
Do you charge for a roofing estimate?
No. Every job starts with a free five-point inspection covering roof, siding, gutters, soffit and fascia, and attic ventilation, with drone documentation for steep or hard-to-access roofs, plus a written estimate.
Get a real number for your roof
Ranges are a starting point, but your roof is specific. We will inspect it, show you photos of what we find, and give you a written estimate with the shingle line, the decking price per sheet, and the warranty spelled out. No pressure and no deductible games. Schedule a free inspection and we will get you a real number.
St. Louis Roofing & Siding, Kirkwood, MO. Serving 22 St. Louis communities since 2001. Owens Corning Preferred Contractor. FORTIFIED Certified. 5-year workmanship warranty.
