The right tool depends on the stage of the project and how much accuracy you need. This guide compares the main options. For the full process, see our residential construction estimating guide.
Comparing the Options
| Tool | Good for | Limits |
|---|---|---|
| Free home construction estimator (online) | First budget by size and quality | No real quantities or local details |
| National cost books | Unit costs for repair, remodeling and new work, with area modifiers | You still need your own quantities |
| Residential estimating software | Assemblies, price lists and proposals | Needs setup and accurate takeoffs |
| Builder management platforms (such as CoConstruct and similar) | Estimates, selections and budgets in one system | Estimates depend on the data you enter |
| Xactimate | Insurance repair and restoration pricing | Built for claims pricing, not typical new-build bidding |
| Takeoff services | Quantities and estimates from your actual plans | Cost per project |
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Free Online Estimators
A free home construction estimator or new build estimator multiplies floor area by a cost per square foot for your area and finish level. Use it for a first budget only: it cannot see your foundation type, roof complexity or selections.
Cost Books
Annual cost books such as the National Repair & Remodeling Estimator and National Home Improvement Estimator list unit costs for common tasks, with labor hours and regional adjustments. They are useful references for pricing quantities you have measured yourself.
Xactimate and New Construction
Xactimate is widely used by insurance adjusters and restoration contractors to price repairs. Some builders also use its price lists, but pricing new construction usually works better from a project-specific takeoff. See our Xactimate estimating services.
When to Use a Professional Takeoff
When you need a firm bid, a lender budget or a supplier order, a takeoff from the plans gives quantities you can rely on. See our residential takeoff services guide and quantity estimation for a residential building.
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Frequently Asked Questions
Quick answers to the questions contractors ask us most.
Is there a free home construction estimator?
Yes, online calculators give quick square-foot budgets, but they are not accurate enough for bids.
What is the National Repair & Remodeling Estimator?
An annual cost book with unit costs and labor hours for repair and remodeling tasks, with regional adjustments.
Can Xactimate be used for new construction?
It is built mainly for insurance repair pricing; new construction is usually priced from a project takeoff.
What software do home builders use for estimating?
Spreadsheets, residential estimating software and builder management platforms, often combined with takeoff tools.
When should I hire an estimator instead of using a tool?
When you need a firm bid, lender budget or material order based on your actual plans.
Can you estimate my new home from plans?
Yes. We prepare residential takeoffs and estimates from your plans, typically in 24 to 48 hours.
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