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Insulation Calculator

Calculate insulation requirements to meet NZ Building Code clause H1. Covers underfloor, wall, and ceiling insulation R-values for your climate zone.

By Konstantin IakovlevPublished 28 March 2026Last reviewed
Data stays on your deviceBuilding Performance NZ

About this calculator

This calculator implements NZ Building Code H1 R-value requirements from EECA + NZ Building Code H1. Last consulted 15 November 2025. Verify the figures yourself by following the link.

NZ Building Code H1 R-values

Effective 1 May 2023 (current)
  • Ceiling (new builds): R 6.6 (zones 1-2) / R 7.0 (zone 3)
  • Ceiling (existing retrofit): R 3.3 minimum
  • Walls (existing homes): R 2.0 typical
  • Walls (new builds): R 2.0 zones 1-2 / R 2.5 zone 3
  • Underfloor (existing): R 1.3 minimum
  • Underfloor (new): R 1.6 zones 1-2 / R 1.7 zone 3

Source: Building NZ — H1

Disclaimer

This calculator provides estimates for general information purposes only. Results are based on standard formulas and may not reflect your individual circumstances. Always consult a qualified professional for advice specific to your situation.

How insulation cost is calculated

Cost = area × material rate + install. NZ Building Code H1 minimum R-values vary by region (3-5 for ceiling, 1.3-2.0 for walls).

  1. 1

    Calculate area to insulate

    Ceiling = floor_area · Walls = perimeter × 2.4m (typical) · Underfloor = floor_area

    Don't double-count if both ceiling and walls insulated.

  2. 2

    Material cost by type

    Ceiling: $15/m² · Underfloor: $25/m² · Wall injection: $30/m²

    Higher R-values cost more (R3.6+ vs R2.6).

  3. 3

    Installation

    DIY for ceiling/underfloor (easy). Walls + retrofit need pro (~$10/m² labour).

    Pink batts easy DIY. Wall injection always professional.

  4. 4

    Annual heating savings

    Estimated saving = 10-20% of heating bill (Power Bill calc)

    Adds value to home + 1300/year+ in heating savings.

Worked example

Inputs: 120m² ceiling insulation

Result: 120 × ($15 material + $10 install) = $3,000.

Frequently Asked Questions

What R-value insulation does NZ require?
New Zealand insulation requirements vary by climate zone and whether the home is new or existing. For new builds under NZBC clause H1 (Energy Efficiency), ceiling insulation must achieve R6.6 in Zone 3 (southern South Island), R5.3 in Zone 2 (central NZ including Wellington), and R3.3 in Zone 1 (Northland and Auckland). For existing homes, the Healthy Homes Standards require a minimum ceiling R-value of R2.9 in Zone 1, R3.3 in Zone 2, and R3.3 in Zone 3; and underfloor insulation of at least R1.3. Wall insulation requirements for new builds are R2.2 (Zone 1) to R2.8 (Zone 3). These minimum R-values are often exceeded for better energy efficiency and comfort. Source: EECA energywise.govt.nz; Tenancy Services tenancy.govt.nz (Healthy Homes).
What does it cost to insulate a NZ home?
Insulation costs in New Zealand vary significantly depending on the type and the home's construction. Ceiling insulation for an average three-bedroom NZ home typically costs $1,500-4,000 installed, depending on R-value and accessibility. Underfloor insulation generally costs $2,000-5,000 for the same home, depending on subfloor access and ground clearance. Wall insulation in an existing home is the most expensive option, costing $5,000-15,000 or more, because it requires either removing interior linings or drilling and blowing in loose-fill insulation. New build wall insulation is much cheaper, as batts are installed before wall linings go on. Labour and accessibility are the main cost drivers. Always use a registered insulation installer. Source: EECA energywise.govt.nz; Tenancy Services tenancy.govt.nz.
Are there subsidies for NZ home insulation?
Yes, New Zealand has government subsidies for home insulation through the Warmer Kiwi Homes programme, administered by EECA (Energy Efficiency and Conservation Authority). Eligible homeowners can receive free or subsidised ceiling and underfloor insulation. To qualify, you generally need to own and live in a home built before 2000, and receive a qualifying government benefit or Community Services Card, or live in a lower-income area (as defined by the programme). The subsidy covers up to 80% of the cost for most eligible homeowners, with community service card holders and those in certain areas receiving 90%. Heating subsidies are also available for eligible homes. Contact EECA or a registered installer to check eligibility. Source: EECA energywise.govt.nz; Warmer Kiwi Homes warmerkiwihomes.govt.nz.
How do I calculate insulation material quantities?
To calculate insulation quantities, measure the area to be insulated in square metres. For ceiling insulation, measure the ceiling area of each room and sum them, excluding areas already insulated. For underfloor insulation, measure the subfloor area — typically the same as the ground floor area minus internal walls. Batts come in standard widths of 430mm and 580mm to fit between joists or rafters spaced at 400mm and 600mm centres respectively; choose the correct width for your joist spacing. Divide the total area by the batt coverage per pack to determine how many packs you need. Add 5-10% for waste and offcuts around obstacles. For loose-fill blown insulation, the installer will calculate the required depth and coverage. Source: EECA energywise.govt.nz; Tenancy Services tenancy.govt.nz.

Estimates the cost of insulating an NZ home to meet Building Code H1 energy efficiency standards. The NZ Healthy Homes Standards require rental properties to have ceiling and underfloor insulation to specified R-values by set compliance dates.

How this calculator works

Insulation cost = area × material cost per m² + installation labour. Ceiling insulation is typically the most cost-effective upgrade. Required R-values depend on NZ climate zone (Zone 1 coldest — southern South Island; Zone 3 warmest — northern North Island).

NZ Insulation Costs and R-Value Requirements (2026–27)

Ceiling insulation (installed)$20–$40/m²
Underfloor insulation (installed)$15–$30/m²
Wall insulation retrofit (installed)$40–$80/m²
Required ceiling R-value (Zone 1)R6.6
Required ceiling R-value (Zone 3)R3.3
Required underfloor R-valueR1.3–R2.0 (zone-dependent)
Healthy Homes standardAll rentals must comply

EECA's Warmer Kiwi Homes programme offers subsidised insulation for eligible homeowners.

Worked Examples

120m² ceiling insulation

Estimated cost ~$3,600.

  1. Ceiling area: 120m²
  2. Installed cost at $30/m²: 120 × $30 = $3,600

Full home insulation — ceiling and underfloor

Estimated total ~$5,600–$8,000.

  1. Ceiling: 120m² at $30/m² = $3,600
  2. Underfloor: 100m² at $20/m² = $2,000
  3. Subtotal: $5,600
  4. Higher-spec materials or difficult access can bring total to $8,000+

Built and maintained by Konstantin Iakovlev. Data sourced from the IRD and official New Zealand government sources.

Last reviewed: