Before you spend thousands on a new roof, it’s worth asking: what’s the most affordable roofing option that actually holds up in Florida’s heat, humidity, and storms?
At Pinnacle Roofing Group, we get this question from homeowners every single week. And it’s a great one because the cheapest roof today may not be the cheapest roof over the next 20 years.
In this post, we’ll break down the three most common roofing choices in Central Florida asphalt shingles, metal roofing, and tile roofing so you can make the smartest decision for your home and budget.
Cost: Shingle roofs are the most affordable option upfront. In Florida, a typical roof replacement with asphalt shingles costs $10,000–$15,000, depending on the size of your home and materials.
Lifespan: Here’s the downside Florida’s sun, storms, and humidity wear shingles down faster than in other states. Instead of 25+ years, many shingle roofs here last just 15–20 years.
Pros:
Lowest upfront cost
Widely available and quick to install
Insurance companies are familiar with them
Cons:
More vulnerable to hurricane force winds
Moisture and heat cause faster wear and tear
More frequent roof repairs over time
Best for: Homeowners on a tight budget who need an affordable roof replacement now, but don’t mind replacing it sooner.
Cost: Metal roofing costs 2 to 3 times more than shingles, often around $20,000–$30,000 for an average Florida home.
Lifespan: Installed correctly, a metal roof can last 40–50 years double or even triple the lifespan of shingles.
Pros:
Reflects heat, lowering energy bills
Excellent resistance to wind and rain
Many insurance companies offer premium discounts for metal roofs
Cons:
Higher upfront cost
Requires experienced installers
👉 Best for: Homeowners planning to stay in their house long term who want fewer roof replacements and better insurance savings.
Cost: Tile is usually the most expensive option, starting around $25,000+ for an average-sized home.
Lifespan: With proper installation and maintenance, tile roofs can last 50+ years in Florida.
Pros:
Incredible durability
Beautiful appearance that adds curb appeal
Increases resale value
Cons:
Heavy — not every home structure can support it
Repairs are more specialized and expensive
👉 Best for: Homeowners looking for a luxury, long term solution who don’t mind the higher upfront price.
It all comes down to how you define “cheap”:
Upfront Cost: Asphalt shingles win.
Long-Term Value: Metal roofing often comes out ahead.
Longest Lifespan + Premium Look: Tile roofing is unbeatable but pricey.
At the end of the day, the right choice depends on your home, your budget, and your plans for the future.
At Pinnacle Roofing Group, we’ve helped thousands of homeowners navigate the same decision. Our team will walk you through the pros, cons, and pricing for your specific home so you can invest in a roof that makes sense today and for decades to come.
Justin Coltharp is the Founder and Roofing Contractor at Pinnacle Roofing Group, a Central Florida roofing company built on integrity, transparency, and hands on craftsmanship. As a State Certified Roofing Contractor (CCC1332542), Atlas Diamond Select Contractor, and CertainTeed Silver Star Contractor, Justin brings expertise that fewer than 2% of roofers nationwide can match. With over 3,000 roofs installed and a 4.9 star rating backed by 450+ verified reviews, he personally reviews every roof and oversees every project: because your home deserves an owner who shows up, not one who disappears after the sale.
