Planning guide

How to Compare Contractor Bids (and Tell If One Is Too High)

Sourced quoted from a published source and citedEstimate our own calculation from those sources (blended ranges, regional index, line items)How we price →
Quick answer
Compare scope first, price second

A bid is only “too high” compared with the same job. Before comparing totals, make every bid price the same scope, allowances and exclusions. Then check each total against a fair range for your project and area. Use the calculator on this page, or the table below. Our high end sits about 18%–64% above our typical cost, depending on the project. A bid above our high end isn't automatically wrong, but it should come with a clear reason. Estimate

Fair ranges are our blended estimates from each linked guide; the bidding advice draws on the FTC, California's contractor board and HomeGuide[1][2][3].

Disclosure: Ledger and Lumber plans to sell its own planning templates and may use clearly labeled affiliate links in the future. That never changes the cost figures we publish.

Fair-bid ranges for common projects Estimate

Here's our national range for twelve reference projects. Adjust for your area with the calculator (it includes all nine Census divisions and our 25 metro areas), then compare. The last column shows how far our high end sits above typical.

Ledger and Lumber fair-bid ranges for common projects
ProjectOur range EstimateTypical EstimateHigh vs. typical Estimate
Kitchen remodel, full, same layout (150 sq ft)$26,300 – $52,500$37,50040%
Bathroom remodel, full, same layout (40 sq ft)$17,500 – $41,000$25,00064%
Tub-to-shower conversion, tiled walk-in$4,900 – $13,600$9,30046%
Cabinet refacing (30 linear ft)$5,000 – $13,100$9,00045%
Quartz countertops (35 sq ft)$2,600 – $4,400$3,50026%
Interior painting, whole house (2,000 sq ft)$6,000 – $10,500$8,50024%
Basement finishing, open plan (800 sq ft)$16,000 – $31,200$26,00020%
Roof replacement, asphalt (2,000 sq ft)$8,000 – $19,000$12,00058%
Vinyl siding (1,250 sq ft of wall)$7,200 – $15,000$10,00050%
Window replacement, 10 vinyl windows$4,300 – $12,300$9,00036%
Deck, pressure-treated wood (320 sq ft)$10,900 – $17,300$14,40020%
Room addition (400 sq ft)$52,000 – $78,000$66,00018%

Estimate Each range comes from the linked guide, where its sources are cited. Our high end runs 1.5 to 2.9 times our low end, so two honest bids for the same job can be far apart. See How we build our ranges.

How to compare bids, step by step

  1. Write one scope and give it to everyone. List rooms, materials, fixtures and who buys what. Bids built on different assumptions can't be compared.
  2. Ask for itemized bids. The FTC advises getting several estimates, each describing the work, materials, completion date and price.[1] A one-line total hides what's missing.
  3. Line up allowances. If one bid allows $2,000 for tile and another $5,000, the cheaper bid may simply have a smaller allowance. Put every bid on the same allowance before you compare.
  4. Check the exclusions. Permits, dumpsters, cleanup, drywall patching, painting after electrical work and appliance hookup are the usual gaps.
  5. Compare each total with a fair range. Use the calculator below with your region or metro.
  6. Ask about big gaps. The FTC says not to automatically choose the lowest bid and to ask for an explanation when estimates differ a lot.[1]
  7. Read the payment schedule. The FTC warns against paying the full amount up front and notes some states cap down payments.[1] In California, a down payment can't exceed $1,000 or 10 percent of the contract price, whichever is less.[2] Sourced

What's inside a bid Estimate

A contractor's price covers labor, materials, subcontractors' installed prices, permits and a markup for overhead and profit. HomeGuide puts general contractor fees at 10% to 20% of construction cost[3], and Angi puts a contractor's fee on a bathroom remodel at 10% to 20%.[4] Sourced Here's how our own tub-to-shower line items split:

Share of a tub-to-shower line-item estimate by cost type
Part of the bidShare EstimateAmount Estimate
Labor (our BLS-based lines)38%$2,930
Materials we price21%$1,620
Installed and supplier prices25%$1,930
Permits and fees4%$300
Overhead & profit12%$910
Total100%$7,700

Estimate Installed prices (door, niche, grab bar, tub removal) already include each installer's labor and margin. The full line items are below.

Line-item example: a tub-to-shower bid Estimate

This is the build from our tub-to-shower guide. A good bid for the same job should cover each of these lines, even if it groups them differently.

Line items inside a typical tub-to-shower bid
Line itemHow we priced itAmount Estimate
Remove the tub and haul it away
Installed price
Average of the HomeGuide and Angi tub-removal midpoints[7][8]$330
Framing and subfloor repairs, blocking for a grab bar and glass door
Labor
6 hrs × $29.12/hr median wage for carpenters[6] × 1.7 labor burden$300
Plumbing: swap the 1½ in. tub drain for a 2 in. shower drain, new valve
Labor
10 hrs × $30.67/hr median wage for plumbers[6] × 1.7 labor burden$520
Shower valve, trim, drain and supply parts
Materials
Our allowance for a pressure-balanced valve and midrange trim$450
Pan, waterproofing membrane, backer board, tile and setting materials, about 92 sq ft
Materials
Three walls to 7 ft plus the floor at $10/sq ft, our midrange allowance$920
Build the pan, waterproof and tile
Labor
36 hrs × $26.77/hr median wage for tile and stone setters[6] × 1.7 labor burden$1,640
Frameless or semi-frameless glass door, installed
Installed price
Our blended typical from HomeGuide's and Angi's shower-door ranges[7][8]$1,050
Recessed niche
Installed price
Midpoint of HomeGuide's niche or bench range[7]$350
Grab bar, installed
Installed price
Midpoint of HomeGuide's installed grab-bar range[7]$200
Drywall patch and paint around the new shower
Labor
6 hrs × $23.75/hr median wage for painters[6] × 1.7 labor burden$240
Protection and cleanup
Labor
6 hrs × $22.66/hr median wage for construction laborers[6] × 1.7 labor burden$230
Disposal, protection and sundries
Materials
Our allowance$250
Permit
Fee
Our blended typical from HomeGuide's and Angi's permit ranges[7][8]$300
Overhead & profit
Our assumption
20% on the labor and materials lines above. Installed prices, supplier prices and fees already include the seller's margin, so we don't mark them up again.$910
Line-item totalBefore contingency and regional adjustment$7,700

Estimate Our line-item build comes to $7,700, about 17% below our blended typical of $9,300 for a tiled walk-in conversion. Method: How we build our ranges.

Contractor Bid Comparison Sheet spreadsheet preview (sample data)
Instant download · $12

Contractor Bid Comparison Sheet

Put up to three bids on the same rows, with allowances, exclusions and payment terms side by side, so gaps and padding stand out. For Excel and Google Sheets.

Get the template

Red flags in a bid

A big deposit up front

The FTC lists asking you to pay for everything up front, or only in cash, as a sign of a scam.[1] California caps home-improvement down payments at $1,000 or 10 percent of the contract price, whichever is less.[2] Sourced

No written contract or change orders

California requires changes to the price to be made by written change order[2], which is good practice everywhere. The FTC advises reading the contract carefully and making sure blanks are filled in.[1]

“You pull the permit”

The FTC lists a contractor asking you to get the required permits as a scam warning sign.[1] Whoever pulls the permit is answerable for the work.

Pressure to sign today

The FTC notes that a contract signed in your home or away from the seller's place of business should include your right to cancel within three business days.[1] California gives buyers 65 and older five business days.[2] Sourced

A bid far below the others

A low bid can be a missing line rather than a better price. Check it against the line items above and our fair range before you accept it.

No contingency plan

Ask how the contractor prices surprises: a fixed hourly rate, cost plus a stated markup or a separate change order. Then hold your own reserve. See our contingency guide.

Regional and local differences

A bid that's high in Oklahoma City may be normal in Seattle. The calculator applies our regional index for the project's category: interior, roofing, exterior or additions[5], and for metro areas our local factor, which also reflects local construction wages.[6] Each of our local cost pages lists local trade wages and a local line-item example.

Costs in your city

Our local cost pages adjust these national ranges for 25 metro areas using local construction wages, and add each area's housing age, climate zone and permit office: Atlanta, Birmingham, Boston, Charlotte, Chicago, Columbus, Dallas, Denver, Detroit, Hartford, Houston, Kansas City, Louisville, Minneapolis, Nashville, New York, Oklahoma City, Philadelphia, Phoenix, Portland, Sacramento, Salt Lake City, Seattle, Tampa, Washington. See all local costs →

Contractor bid FAQ

Should I take the lowest bid?

Not automatically. The FTC advises against automatically choosing the lowest bidder and suggests asking for an explanation when estimates differ a lot.[1] Compare scope, allowances and exclusions first; the lowest total is often missing something.

How many bids should I get?

The FTC recommends getting multiple written estimates.[1] Three is a common rule of thumb: enough to see a pattern without wasting contractors' time on a small job.

What is a normal contractor markup?

HomeGuide puts general contractor fees at 10% to 20% of construction cost and says markups on labor and materials range from 8% to 45%.[3] Our own line items use 20% for overhead and profit, our assumption.

How much should I pay up front?

As little as the contract and your state allow. The FTC warns against paying the full amount up front and notes some states limit down payments.[1] California's limit is $1,000 or 10 percent of the contract price, whichever is less.[2] Tie later payments to finished milestones.

What if my bid is above your range?

Ask the contractor to itemize it and compare each line with the matching guide's line-item breakdown. Real reasons include hidden damage, access problems, premium materials, small-job minimums and busy seasons. If none apply, get another bid.

Sources

  1. Federal Trade Commission, Consumer Advice, “How To Avoid a Home Improvement Scam” (July 2022). consumer.ftc.gov/articles/how-avoid-home-improvement-scam (accessed Oct 8, 2026).
  2. Contractors State License Board (California), Terms of Agreement: A Consumer Guide to Home Improvement Contracts. cslb.ca.gov (accessed Oct 8, 2026). California law; other states differ.
  3. HomeGuide, “How much do general contractors charge?” (updated Sep 5, 2023). homeguide.com/costs/general-contractor-cost (accessed Oct 8, 2026).
  4. Angi, “How Much Does a Bathroom Remodel Cost? [2026 Data]” (updated July 9, 2026). angi.com/articles/how-much-does-bathroom-remodel-cost.htm (accessed Oct 8, 2026).
  5. Zonda / Journal of Light Construction, 2025 Cost vs. Value Report: national averages and regional pages (New England, Middle Atlantic, South Atlantic, East North Central, East South Central, West North Central, West South Central, Mountain, Pacific) (accessed Oct 8, 2026). © 2025 Zonda Media. We quote a few national figures and use the regional figures only to derive our own cost index. States per division from the U.S. Census Bureau, Census Regions and Divisions.
  6. U.S. Bureau of Labor Statistics, OEWS May 2025 metropolitan, state and national median hourly wages for nine construction trades. bls.gov/oes special requests (accessed Oct 8, 2026). How we use them: metro factors.
  7. HomeGuide, tub-to-shower conversion cost guide (updated Jul 30, 2025). homeguide.com/costs/tub-to-shower-conversion-cost (accessed Oct 8, 2026).
  8. Angi, tub-to-shower conversion cost guide (updated Jul 8, 2026). angi.com/articles/convert-tub-to-shower-cost.htm (accessed Oct 8, 2026).

Quoted figures are labeled Sourced. Everything labeled Estimate is our own arithmetic on these sources, explained in How we build our ranges. Planning numbers only, not quotes. Get itemized local bids before you commit.