CostGuide

Real Estate & Moving

Home Warranty cost in the US

Nationally, Home Warranty runs about $750 per year. In the lowest-cost cities in this guide it is closer to $585, and in the highest-cost cities about $1,065.

Typical cost

Most people pay about

$750

per year

Fair price range: $360 to $1,400

On the low end
$360
On the high end
$1,400

Estimated from national price data. Not a quote.

How prices have moved

Up 3.1%past year

Up 23.9%over five years

How prices for services other than rent have moved nationally, from the U.S. Bureau of Labor Statistics Consumer Price Index (Services less rent of shelter, CUUR0000SASL2RS), through August 2026. It tracks price change, not the dollar prices on this page.

What moves the price

  1. Coverage
  2. Deductible
  3. Age of systems
  4. Claims process
  5. Add-on appliances

Ways to pay less

  1. Read exclusions
  2. Compare deductibles
  3. Skip extras you will not use
  4. Keep service records
  5. Consider self-insuring

Lowest-cost cities for Home Warranty

PlaceTypicalRange
National typical$750
$360 to $1,400
Brownsville, TX$585
$281 to $1,090
Jackson, MS$600
$288 to $1,120
Laredo, TX$600
$288 to $1,120
McAllen, TX$600
$288 to $1,120
Shreveport, LA$600
$288 to $1,120
Amarillo, TX$615
$295 to $1,150
El Paso, TX$615
$295 to $1,150
Lubbock, TX$615
$295 to $1,150

Highest-cost cities for Home Warranty

PlaceTypicalRange
National typical$750
$360 to $1,400
Honolulu, HI$1,065
$511 to $1,990
San Francisco, CA$1,050
$504 to $1,960
New York, NY$1,050
$504 to $1,960
San Jose, CA$1,035
$497 to $1,930
Sunnyvale, CA$1,020
$490 to $1,905
Santa Barbara, CA$1,005
$482 to $1,875
Cambridge, MA$1,005
$482 to $1,875
Fremont, CA$990
$475 to $1,850

Home Warranty in every city

Typical estimate for each city. Open one for the full range.

District of Columbia
Mississippi
New Hampshire
North Dakota
Rhode Island
South Dakota

Questions people ask

Home Warranty: what does it cost?

Across the US, Home Warranty typically costs about $750 per year, with most prices between $360 and $1,400.

Where is Home Warranty cheapest?

Among the 250 cities in this guide, the lowest estimates are in Brownsville, TX, Jackson, MS, Laredo, TX, at about $585.

Is this a quote?

No. These figures are estimates built from national price data and each city's cost of living. A local pro will price your actual job.