Siding helps protect your home from weather and pests and plays a major role in the look of your home. If yours has seen better days, or you’ve never liked the look of your siding, it may be time to consider replacing it. Yes, it can be a big (i.e., expensive) job, currently averaging $11,529, according to the home improvement site Angi. But you will likely get a significant portion of what you spend back when you sell your home, since this home renovation generally has a high return on investment (ROI).
Read on for a look at a few different siding ideas at a variety of price points and their expected ROI.
Key Points
• Siding protects homes from weather and pests and also establishes the look and style of your property.
• The average new siding project currently costs $11,529, with a high return on investment.
• Custom quotes are advised due to varied project costs.
• Siding lasts decades, unlike painting, which needs frequent touch-ups.
• Home equity loans and personal loans are financing options.
Eco-Friendly Options
One way to live more sustainably is to choose eco-friendly siding options that reduce the carbon footprint of the project. For example, using recyclable siding materials is one way to be more environmentally friendly, as is selecting material known to be more energy-efficient.
Wood can be a good choice because it’s a renewable and sustainable material that can be sourced locally. Manufacturing processes of wood siding can be more environmentally friendly as well.
Aluminum or steel siding can be a green choice when made from recycled materials. It’s also considered to be an energy-efficient option since metal reflects the sun’s rays, unlike materials that absorb them. In addition, metal siding can be a low-maintenance material.
Fiber cement siding is eco-friendly, crafted from natural materials. Although vinyl siding isn’t formed from the most environmentally friendly materials, there is little waste with this type of siding, and insulated options can be energy-efficient.
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Colors with Curb Appeal
Siding color plays a big part in a home’s curb appeal. Combinations of colors and textures can evoke certain feelings, such as using green siding with wood accents to create a natural feel to a home.
When selecting a color scheme, personal taste enters in, but an overall goal might be a compromise between your favorite hues and materials and blending in with the neighborhood.
Some communities may have homes with more subdued hues while others boast more colorful options.
Colonial homes may look best in a single classic color, while cottage-style or Victorian homes may provide a homeowner with more freedom of expression.
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Realistic Textures
In the past, siding materials could look “plastic,” rather than mimicking natural grains and textures. Today, though, siding materials often look more attractive and realistic.
When on a budget, vinyl siding can masterfully imitate wood siding at a lower cost with a greater ease of installation. If on a mid-range budget, an option might be fiber cement siding, which combines sand, cellulose and cement; comes in a variety of colors; and can be imprinted with various patterns.
With a bigger budget, stone and brick veneers are an option, as are stucco and new materials that mimic stucco. These choices can give a home a distinctive appearance.
Costs of Home Siding
The cost of new siding will depend on the size of your house, the type of siding you choose, and where you live. Generally, new siding costs as follows:
• Vinyl siding: $3-$12 per square foot
• Stucco: $7-$9 per square foot
• Wood: $1-$15 per square foot
• Aluminum: $3-$6 per square foot
• Brick: $10-$20 per square foot
• Brick veneer: $3-$10 per square foot
• Stone: $7-$30 per square foot
• Stone veneer: $5 to $11 per square foot
• Fiber cement: $7 to $18 per square foot
As of mid-2025, a full replacement job, on average, can run $11,529, according to Angi. Keep in mind, though, that each project is unique and older homes may have additional issues that will need to be addressed during a home renovation process. Plus, if a home is old enough to be designated as historic, there will likely be guidelines that need to be followed, which can add to the price tag of improvements.
Beside the materials used and the size of the home, other factors that impact cost include the shape of the house, with those having multiple stories or with eaves and turrets typically being more expensive than a home with a more streamlined structure.
Another factor can be the time of year when the siding is installed, with peak seasons usually more expensive than off-season projects.
It can make sense to get a customized quote for a siding project because there are so many factors that can affect the price.
It may be helpful, too, to compare quotes received to what it costs to paint the exterior of a home.
The cost to paint a home’s exterior ranges from $1.50 to $8 per square foot. Although painting is typically less expensive, siding can last for decades, while the exterior of homes often need to be painted every five to 10 years.
Siding ROI
Replacing your old siding can significantly increase the value of your home. Exactly how much it will add to the value will largely depend on the type of material you choose.
Going with fiber cement siding, for example, could add about $17,000 to the value of your home, which translates into about a 88% return on investment.
You may want to use an online home improvement ROI estimator to get a sense of how much your choice of siding will impact the resale value of your home.
Paying for House Siding
If you run the numbers and the cost of your home siding project is more than you can comfortably cover in cash, you may want to consider some type of financing.
One option is to take out a home equity loan or line of credit. These loans are based on the equity you have built up in your home and use your home as collateral for the loan.
Another option is a home improvement loan. This is essentially an unsecured personal loan that is used for home repairs or upgrades. You receive a lump sum up front which you can use to pay for new siding; you then repay the loan (interest plus principal) over a set term, often one to seven years, with regular monthly payments. Interest rates are typically fixed.
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The Takeaway
Siding is your home’s first line of defense against weather and pests and also establishes the look and feel of your property.
Replacing your siding can seem like a big undertaking with typical costs more than $10,000, but fortunately you typically only have to do it once. Plus, you can often make up much of the out-of-pocket cost when you resell your home, thanks to the relatively high ROI on this type of remodel. If you’re interested in replacing your siding but not sure how to cover the costs, a personal loan could help.
Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.
FAQ
What is the cheapest siding to put on a house?
The most affordable kinds of siding are typically vinyl, wood, brick veneer, and aluminum.
How much does new siding cost?
As of mid-2025, new siding for a house costs an average of $11,529.
Does new siding have a good ROI?
Yes, new siding typically has a good return on investment. Currently, the ROI is 80% of the money spent redoing siding.
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