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Attic Insulation Calculator

Find the right insulation depth and material for your attic based on DOE climate zone recommendations

Thickness Needed

10.3" of Blown-In Cellulose

R-Value Added

R-38

Est. Cost

$836

Payback

3.6 yr

Roughly equals your home’s footprint

DOE/IECC 2021 recommended attic R-values

Leave blank to use DOE recommendation for your zone

Quick Zone Lookup

Zone 1–2: FL, TX, AZ, HI
R-30 to R-38
Zone 3: CA, GA, NC, SC
R-38
Zone 4: VA, TN, MO, NM
R-49
Zone 5: OH, PA, IL, CO
R-49
Zone 6: MI, MN, WI, MT
R-60
Zone 7: AK, northern MN
R-60
Depth Needed

10.3"

Est. Cost

$836

Heat Loss Reduction

78%

Payback Period

3.6 yr

R-Value Breakdown

Current (R-11)R-11
Added (R-38)R-38
Final R-value: R-49

Insulation Details

MaterialBlown-In Cellulose
R-value per InchR-3.7
Additional R NeededR-38
Depth Required10.3 inches
Bags Needed32 bags

Cost & Savings

Material Cost$836
Cost per Sq Ft$0.84/ft²
Heat Loss Reduction78%
Est. Annual Savings$233/yr
Payback Period3.6 years

Material Comparison (R-38 over 1000 sq ft)

TypeR/inDepthEst. Cost
Fiberglass BattsR-3.211.9"$1140
Blown-In FiberglassR-2.515.2"$950
Blown-In CelluloseR-3.710.3"$836
Open-Cell Spray FoamR-3.610.6"$3040
Closed-Cell Spray FoamR-6.55.8"$4560

Example Calculations

11,000 sq ft Attic, Zone 5 (R-11 to R-49)

Inputs

Attic Area1,000 sq ft
Current R-ValueR-11
Climate ZoneZone 5 (R-49 target)
Insulation TypeBlown-In Cellulose (R-3.7/in)

Result

Depth Needed10.3" of blown cellulose
R-Value AddedR-38
Bags Needed32 bags
Est. Cost$836
Heat Loss Reduction78%
Annual Savings$233
Payback Period3.6 years

Additional R needed: 49 − 11 = 38. Depth: 38 / 3.7 = 10.27 inches. Bags: (1,000 / 40) × (38/30) = 31.7 → 32 bags. Cost: 1,000 × 38 × $0.022 = $836.

2Uninsulated 1,500 sq ft Attic, Zone 3

Inputs

Attic Area1,500 sq ft
Current R-ValueR-0 (none)
Climate ZoneZone 3 (R-38 target)
Insulation TypeBlown-In Cellulose (R-3.7/in)

Result

Depth Needed10.3" of blown cellulose
R-Value AddedR-38
Bags Needed48 bags
Est. Cost$1,254
Heat Loss Reduction97%
Annual Savings$292
Payback Period4.3 years

Additional R needed: 38 − 0 = 38. Depth: 38 / 3.7 = 10.27 inches. Bags: (1,500 / 40) × (38/30) = 47.5 → 48 bags. Cost: 1,500 × 38 × $0.022 = $1,254.

Frequently Asked Questions

Q

How much insulation do I need in my attic?

The DOE and IECC 2021 code recommend R-30 to R-60 for attics depending on your climate zone. Zones 1–3 (southern US) need R-30 to R-38, zones 4–5 need R-49, and zones 6–7 (northern US) need R-60. Most older homes have R-11 to R-19, leaving a significant gap.

  • Zone 1 (FL, HI): minimum R-30; Zone 2 (TX, AZ): minimum R-38 per IECC 2021
  • Zone 3 (CA, GA, NC): R-38 is the DOE recommendation for attic floors
  • Zone 4–5 (OH, PA, CO): R-49 minimum per IECC 2021 code
  • Zone 6–7 (MN, WI, AK): R-60 for maximum energy savings in cold climates
  • Adding insulation from R-11 to R-49 can reduce attic heat loss by 77%
Climate ZoneStates (examples)Recommended R-ValueCellulose Depth
Zone 1–2FL, TX, AZ, HIR-30 to R-388–10"
Zone 3CA, GA, NC, SCR-3810–11"
Zone 4VA, TN, MO, NMR-4913–14"
Zone 5OH, PA, IL, COR-4913–14"
Zone 6MI, MN, WI, MTR-6016–17"
Zone 7AK, northern MNR-6016–17"
Q

Is blown-in cellulose or fiberglass better for attics?

Blown-in cellulose (R-3.7/inch) is denser, fills gaps better, and costs less than blown fiberglass (R-2.5/inch). Cellulose needs 30% less depth to achieve the same R-value. However, fiberglass resists moisture better and does not settle as much over time.

  • Cellulose: R-3.7/inch, $0.80–$1.20/sq ft installed, settles 15–20% over years
  • Blown fiberglass: R-2.5/inch, $1.00–$1.50/sq ft installed, minimal settling
  • Cellulose is made from recycled newspaper — 75–85% recycled content
  • To reach R-49: cellulose needs ~13", fiberglass needs ~20" of depth
  • Spray foam (R-6.5/inch) is most efficient but costs 3–4x more than blown-in
MaterialR-Value/InchDepth for R-49Cost/Sq FtSettling
Blown celluloseR-3.713.2"$0.80–$1.2015–20%
Blown fiberglassR-2.519.6"$1.00–$1.502–5%
Fiberglass battsR-3.215.3"$0.60–$1.00None
Open-cell spray foamR-3.613.6"$1.50–$2.50None
Closed-cell spray foamR-6.57.5"$2.50–$4.00None
Q

How many bags of blown insulation do I need?

For a 1,000 sq ft attic going from R-11 to R-49 with cellulose: you need R-38 additional. At R-3.7/inch, that is 10.3 inches of depth. A typical bag of cellulose covers about 40 sq ft at R-30, so for R-38 you need about 32 bags for 1,000 sq ft.

  • Greenfiber cellulose: ~40 sq ft per bag at R-30, scale proportionally for other R-values
  • Owens Corning blown fiberglass: ~26 sq ft per bag at R-30
  • For R-49 cellulose on 1,000 sq ft: approximately 40–45 bags (from R-0)
  • For R-38 additional (R-11 existing): approximately 30–35 bags per 1,000 sq ft
  • Bag counts are approximate — check manufacturer coverage charts for your specific product
Q

What is the payback period for attic insulation?

Attic insulation typically pays for itself in 2–5 years through reduced heating and cooling costs. Going from R-11 to R-49 can save $150–$400 per year on energy bills. DIY blown cellulose costs $500–$800 for a 1,000 sq ft attic, yielding a 2–3 year payback.

  • DIY blown cellulose: $0.50–$0.80/sq ft (machine rental ~$50 at home centers)
  • Professional installation: $1.00–$2.50/sq ft depending on material and access
  • Energy savings: 15–25% reduction in heating/cooling bills for most homes
  • Federal tax credit: 30% of cost up to $1,200 under the Inflation Reduction Act (2026)
  • Fastest payback: upgrading from R-0 to R-11 (uninsulated to basic) saves the most per dollar
Upgrade PathMaterial Cost (1,000 sq ft)Annual SavingsPayback
R-0 to R-30$500–$700$250–$4001.5–2.5 yr
R-11 to R-38$400–$600$150–$2502–3 yr
R-11 to R-49$600–$900$175–$3002.5–4 yr
R-19 to R-60$700–$1,100$125–$2253.5–5 yr
R-30 to R-60$500–$800$50–$1005–8 yr
Q

Can I add new insulation on top of old attic insulation?

Yes, in most cases you can add new insulation directly over existing insulation. Blown cellulose or fiberglass goes right on top. Do not add a vapor barrier between layers. However, if old insulation is wet, moldy, or vermiculite (may contain asbestos), remove it first.

  • Blown-in material layers on top of batts or existing blown-in without issues
  • Do NOT add a vapor barrier between old and new layers — it traps moisture
  • Check for wet/compressed insulation, mold, or pest damage before adding more
  • Vermiculite insulation (pre-1990) may contain asbestos — get it tested before disturbing
  • Seal all air leaks (around pipes, wires, recessed lights) BEFORE adding insulation

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Last Updated: Mar 13, 2026

This calculator is provided for informational and educational purposes only. Results are estimates and should not be considered professional financial, medical, legal, or other advice. Always consult a qualified professional before making important decisions. UseCalcPro is not responsible for any actions taken based on calculator results.

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