Insulation Calculator
Calculate insulation requirements to meet NZ Building Code clause H1. Covers underfloor, wall, and ceiling insulation R-values for your climate zone.
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
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
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
Installation
DIY for ceiling/underfloor (easy). Walls + retrofit need pro (~$10/m² labour).
Pink batts easy DIY. Wall injection always professional.
- 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?
What does it cost to insulate a NZ home?
Are there subsidies for NZ home insulation?
How do I calculate insulation material quantities?
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-value | R1.3–R2.0 (zone-dependent) |
| Healthy Homes standard | All rentals must comply |
EECA's Warmer Kiwi Homes programme offers subsidised insulation for eligible homeowners.
Worked Examples
120m² ceiling insulation
Estimated cost ~$3,600.
- Ceiling area: 120m²
- Installed cost at $30/m²: 120 × $30 = $3,600
Full home insulation — ceiling and underfloor
Estimated total ~$5,600–$8,000.
- Ceiling: 120m² at $30/m² = $3,600
- Underfloor: 100m² at $20/m² = $2,000
- Subtotal: $5,600
- 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: