Metal roofing is the fastest-growing segment in the U.S. residential market. While the upfront investment is significantly higher than asphalt, the longevity and energy efficiency can result in a lower “Life Cycle Cost.”
This guide focuses on Standing Seam Metal, which conceals fasteners for a watertight finish, unlike cheaper “Screw-Down” agricultural panels.
1. Longevity and Durability
A properly installed standing seam metal roof can last 50 to 75 years. In our cost database, we assign metal roofing a lifespan rating of 2.5x that of asphalt.
- Fire Resistance: Class A fire rating (non-combustible).
- Wind Resistance: Many systems are rated for 140+ mph winds.
- Impact: Class 4 Impact resistance (hail proof), which can lower insurance premiums in some states.
2. The Federal Tax Credit (2025)
One of the major financial incentives for choosing metal is the Energy Efficient Home Improvement Credit. Certain Energy Star-rated metal roofs qualify for a federal tax credit.
Qualified metal roofs are eligible for a credit equal to 30% of the material cost, up to a maximum of $1,200 per year. See our guide on 2025 Roofing Tax Credits for claim codes.
3. Energy Efficiency
“Cool Roof” technology allows coated metal to reflect solar radiant heat, reducing cooling costs by 10-25%. Unlike asphalt, which absorbs heat and holds it in the attic, metal dissipates heat quickly when the sun sets.
4. Cost vs. Value
Expect to pay 2x to 3x the cost of asphalt. However, because metal roofs rarely require replacement, they are a “one-and-done” investment for long-term homeowners.