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Roofing Materials Guide: Compare Your Options

The Bottom Line

Architectural asphalt shingles are the right choice for most homes: best balance of cost, lifespan, and ROI. In hail zones, Class 4 impact-resistant shingles cut insurance premiums 10–30%. Metal roofing pays off if you plan to stay 30+ years.

Roofing Material Comparison

MaterialCost/sqft installed*LifespanBest for
3-tab asphalt shingles$4–620–25 yrTight budgets; mild climates
Architectural / dimensional$5–930–50 yrMost homes: best all-around value
Metal standing seam$12–2040–70 yrLong-term ownership; hail zones; snow country
Clay / concrete tile$18–3550 yr+Southwest, Mediterranean, FL: needs engineering
Cedar shake$9–1525–30 yrPacific Northwest, rustic aesthetic

*All cost estimates on this page are planning estimates, not quotes. Actual costs vary by location, project scope, materials, site conditions, and contractor. See methodology and sources.

What Each Roofing Material Looks Like

Roofing materials vary dramatically in profile, texture, and visual weight. Here is what each type looks like up close.

Architectural asphalt shingles
Architectural asphalt shingles

Two layers of fiberglass mat in asphalt coated with granules. Dimensional profile mimics wood shake. The standard for most homes: installs quickly, widely available, and easy to repair. Available in dozens of colors.

Metal standing seam roof
Metal (standing seam)

Steel or aluminum panels with raised interlocking seams and no exposed fasteners. Slim, modern profile. Reflects solar heat. Exceptional in snow country and hail zones. Lifespan 40–70 years with virtually no maintenance.

Roof aerial view
3-tab asphalt shingles

Single-layer shingles with cutouts creating a flat, uniform look. Thinner and lighter than architectural shingles. Less expensive but shorter lifespan (20–25 years) and less wind resistance. Largely replaced by architectural on new projects.

Orange clay barrel tile roof with dormer windows
Clay or concrete tile

More durable than architectural asphalt shingles if maintained properly, energy efficient in hot climates, and a distinct look. The biggest caution is weight: tile is 3–5× heavier than architectural asphalt. Many homes built for asphalt are not structurally rated for tile without costly reinforcement ($5,000–$20,000+). Best for homes in hot climates already built to take it.

Weathered cedar shake roof shingles in close-up
Cedar

Visually appealing, eco-conscious, and more energy efficient than asphalt. With premium materials and maintenance, cedar roofs last a long time. The tradeoff is higher cost, more maintenance, and less fire resistance without special treatment. Color changes as it weathers, and grades vary — premium grades are the ones rated for longevity.

Types of Roofs

Shape is a structural and architectural decision, usually set when the home was built, but it affects material choice, cost, and maintenance, so it’s worth understanding.

Gable: Two sloped sides meeting at a ridge, forming a triangle at each end. The most common U.S. roof shape, simple and cost-effective to build and repair.

Hip: All four sides slope down to the walls with no vertical ends. More wind-resistant than gable and common in hurricane-prone regions, though it costs more due to the added framing complexity.

Gambrel: Two slopes on each side (a shallow upper slope and a steeper lower slope), the classic barn shape, which maximizes usable attic space.

Mansard: Four-sided with a double slope on all sides and a nearly vertical lower slope. A French-influenced style that adds usable attic living space, common on older urban homes.

Dormer: Not a whole-roof shape but a projecting structure with its own small roof, built into a sloped roof to add headroom and window light to an upper floor.

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Frequently Asked Questions

Quality architectural shingles are rated 30–50 years. Real-world lifespan depends on climate, ventilation, and installation. In hot climates with intense UV (TX, AZ, FL), expect 20–25 years even with a 30-year rating. In moderate climates with good attic ventilation, 30–40 years is realistic.

Class 4 is the highest impact resistance under UL Standard 2218. The shingle withstands a 2-inch steel ball dropped from 20 feet without cracking. Many insurers in the hail belt offer 10–30% premium discounts for Class 4 roofing.

For a 3,000 sqft roof (30 squares), architectural asphalt runs $9,000–$18,000 installed including tear-off. Metal standing seam: $30,000–$60,000. Clay/concrete tile: $50,000–$80,000. Factors that increase cost: second layer removal, complex geometry, steep pitch, and rotted decking.

Shingles win on upfront cost, ease of repair, and ROI for homeowners who move every 10–15 years. Metal wins on lifespan (40–70 years), energy efficiency (reflects solar heat, can reduce cooling costs 10–25%), and performance in snow country. If you plan to stay 25+ years, metal standing seam is the better long-term investment.

In most jurisdictions, yes. Your contractor should pull this permit in their name. If a contractor asks you to pull your own permit, that is a red flag. It likely means they are not properly licensed.

Not on a properly installed residential system. Standing seam metal over solid decking with insulation beneath is no louder than asphalt shingles. The rain-noise concern applies to agricultural pole barns with exposed decking, not modern residential installs.

Standing seam metal (140+ mph) and clay tile (125–150 mph) offer the highest wind resistance. For asphalt, look for shingles rated Class H (110 mph) or higher. Many insurers in hurricane-prone areas offer discounts for Class H or better.

The two main types are standing seam and corrugated. Standing seam has concealed fasteners and a clean vertical line, and it is what most residential metal roofs use today. Corrugated is exposed-fastener, cheaper, and more common on outbuildings and agricultural roofs. Metal makes financial sense if you plan to stay 30 or more years, because the lifespan is where the premium is recovered.

In hail-prone states they usually are. Asphalt shingles are rated Class 1 to 4 under UL 2218, and Class 4 is the highest: it withstands a two-inch steel ball dropped from twenty feet. In hail states such as Texas, Oklahoma, Kansas, Nebraska, Colorado and South Dakota, Class 4 shingles can cut homeowner insurance premiums by 10–30%. They cost roughly $1–2 per square foot more than standard architectural shingles, which on a 3,000 square foot roof is $3,000–$6,000 more upfront, often recovered in three to five years of premium savings. Ask your insurer what discount they actually apply before you buy — the credit varies by carrier and by state, and it is the whole basis of the payback.

It means your roof is 3,000 square feet. One roofing square is 100 square feet of roof surface, and roofers estimate in squares rather than square feet because materials are sold that way. If a quote is priced per square, multiply by 100 to compare it against a per-square-foot number.

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