| Metric | Asphalt | Metal | Winner |
|---|---|---|---|
| Cost per square installed | $350–$550 | $700–$1,200 | Asphalt |
| Lifespan | 20–30 years | 40–70 years | Metal |
| Energy efficiency | Absorbs heat | Reflects heat (10–25% cooling savings) | Metal |
| Insurance discount | None | Up to 30% in some states | Metal |
| Wind resistance | 110–130 mph | 140–180 mph | Metal |
| Fire rating | Class A (most) | Class A (non-combustible) | Metal |
| Noise in rain/hail | Quiet | Louder (attenuated with insulation) | Asphalt |
| Resale value | Standard — no premium | Positive — buyers value longevity | Metal |
| Maintenance | Granule loss, cracking after 15 yrs | Minimal — check fasteners every 10 yrs | Metal |
| Hail damage | Dents/bruises shingles | Dents but rarely needs replacement | Tie |
Choose Asphalt If
- • You're on a tight budget ($8K–$15K range)
- • You plan to sell within 10 years
- • Your roof pitch is standard (4/12 to 9/12)
- • You want the widest contractor availability
Choose Metal If
- • You plan to stay 15+ years
- • You're in a high-wind or hail zone
- • Energy efficiency matters to you
- • You want a "forever roof" (50+ years)
Planning estimate
$25,000
A reference midpoint, not a bid. Real quotes vary by pitch, access, and local labor — get at least three estimates from licensed, insured roofers before deciding.
FAQ
Is a metal roof worth the extra cost?
If you plan to stay 15+ years, yes. A metal roof costs 2x upfront but lasts 2–3x longer, saves 10–25% on cooling, and may qualify for insurance discounts. Over 30 years, metal is often cheaper per year of service.
Does a metal roof increase home value?
Yes — Remodeling magazine estimates a metal roof recovers 60–85% of cost at resale, versus 40–60% for asphalt. Buyers increasingly value energy efficiency and storm resistance.
Can you put a metal roof over asphalt shingles?
In most cases yes, if local code allows and there's only one existing layer. This saves $1,000–$2,000 in tear-off costs. However, inspecting the deck for rot is impossible without removal.