Quick Comparison

FactorAsphalt ShinglesMetal (Standing Seam)
Installed cost$7,000 -- $15,000$20,000 -- $40,000+
Lifespan25 -- 30 years40 -- 70 years
Wind rating110 mph (standard)110 -- 160 mph
Fire ratingClass AClass A
Hail resistanceModerate (IR shingles: good)Excellent
Energy efficiencyStandard (cool-roof options available)Good (reflective coatings)
MaintenanceModerateLow
Contractor availabilityExcellentLimited (specialist required)
Noise (rain/hail)QuietLouder (reduced with underlayment)
50-year total cost$14,000 -- $30,000 (2 replacements)$20,000 -- $40,000 (1 replacement)

The Case for Asphalt Shingles

  • Lower upfront cost. Asphalt shingles cost 50-75% less to install than standing seam metal. If budget is the primary constraint, asphalt is the realistic choice.
  • Contractor availability. Every roofing market has abundant asphalt shingle contractors. Metal roofing specialists are far fewer, which affects competition, pricing, and scheduling.
  • Easier repairs. If a section is damaged, asphalt shingle repair is straightforward and any contractor can do it. Metal repairs require someone who knows the specific system.
  • Short-term ownership economics. If you are selling in 5-10 years, the higher upfront cost of metal is harder to justify. A new asphalt roof is a marketable feature at sale -- metal may not command a premium above its cost in all markets.
  • Color and profile options. Asphalt shingles come in an enormous range of colors, profiles, and styles. Metal has improved dramatically but still has fewer options.

The Case for Metal Roofing

  • Lifespan advantage. Metal roofs last 40-70 years -- effectively your last roof. For a 40-year-old homeowner, this is compelling. For a first-time buyer planning to stay, one metal roof versus two asphalt replacements often comes close to economic parity over 50 years.
  • Wind and storm performance. Metal roofing systems are engineered for wind resistance well above what standard asphalt achieves. Relevant in hurricane country, coastal areas, and high-wind plains markets.
  • Fire resistance. Metal is non-combustible. In wildfire-risk zones, metal is the insurance-favorable and safety-favorable choice over any combustible material.
  • Hail resistance. Standing seam metal handles hail better than asphalt. In hail belt markets (Colorado, Kansas, Texas), this translates directly to lower insurance claims and potentially lower premiums.
  • Lower maintenance. Metal roofs need far less maintenance than asphalt. No granule loss to worry about, no algae removal needed, no moss threat.
  • Energy performance with cool-roof coatings. Light-colored metal roofs with cool-roof coatings can achieve superior solar reflectance compared to most asphalt options.

Who Should Choose Asphalt

  • Budget is the primary constraint and cash must be preserved
  • Planning to sell within 10-15 years
  • Local market has limited metal roofing specialists
  • Your climate does not specifically favor metal (mild, low wind, low hail)
  • HOA or neighborhood restrictions limit metal options

Who Should Choose Metal

  • Planning long-term ownership (20+ years) and want one final roof
  • In a high-wind, hurricane, or coastal area
  • In a wildfire-risk zone where non-combustibility matters
  • In a high-hail corridor and tired of insurance claims
  • Have the capital available and want to optimize long-term economics
  • Your market has strong metal roofing specialists and the premium is understood by buyers

Frequently Asked Questions

Can you install metal roofing over asphalt shingles?

Often yes, with proper installation. Installing over existing shingles saves tear-off costs. The existing deck condition needs to be sound, and local codes may have requirements about overlay. Ask your contractor to assess your specific situation.

Does metal roofing increase home value more than asphalt?

In markets where metal roofing is well understood (mountain west, coastal markets, high-hail areas), a metal roof commands a modest premium at sale. In markets where asphalt shingles are the strong norm, the premium may not fully recover the additional installation cost. Market awareness matters.

Is a metal roof noisier than asphalt during rain?

Without insulation or underlayment: yes, significantly. With proper underlayment and attic insulation: modestly louder but not dramatically so. Most standing seam metal installations use underlayment systems that significantly reduce noise. If noise is a concern, ask specifically about the underlayment system in any metal roof proposal.

Disclaimer: RoofRepairSource provides general roofing information. Costs are estimates and vary by market and specific conditions. Consult licensed local contractors for quotes specific to your project.

Request Roofing Help

Tell us about your roof and we'll connect you with a local roofing contractor serving your area.