Replacement Cost Estimator for Condos by Unit Size
Get an accurate condo replacement cost estimate organized by unit size — studio, 1-bedroom, 2-bedroom, or 3-bedroom+ — with current 2026 Florida pricing delivered in 24–48 hours.
What This Condo Replacement Cost Estimate Covers
Condo owners typically need an HO-6 interior replacement cost figure sized to their specific unit, and unit SIZE (studio, 1-bedroom, 2-bedroom, or 3-bedroom+) is often the fastest way to get a ballpark number. This estimator organizes replacement cost by bedroom count and typical square footage, distinct from our condo replacement cost estimator, which organizes pricing by finish tier (standard/mid-grade/high-end) for a fixed 1,200 SF reference unit, and our condo insurance cost estimator, which organizes pricing by HO-6 coverage scope (bare walls-in, original specifications, upgraded finishes).
A studio or small 1-bedroom condo (500-800 SF) typically needs $65,000-$150,000 in interior HO-6 replacement coverage. A standard 2-bedroom condo (900-1,300 SF) typically needs $115,000-$245,000. A larger 3-bedroom+ condo (1,400-2,000+ SF) typically needs $180,000-$400,000, all using the standard $100-$200 per square foot interior finish-and-systems replacement range.
If you already know your finish quality tier and want pricing by finish level for a standard unit size, see our condo replacement cost estimator. If you need help understanding what your HO-6 policy actually covers, see our condo insurance cost estimator.
Why Unit Size Is the Fastest Starting Point
Most condo owners know their unit's bedroom count and approximate square footage far more readily than they know their interior finish grade, which makes unit size the quickest way to get a usable ballpark HO-6 replacement cost figure before refining it with finish-tier detail.
Studio / Small 1BR
500-800 SF units, typically $65,000-$150,000 replacement cost.
2-Bedroom Condo
900-1,300 SF units, typically $115,000-$245,000 replacement cost.
3-Bedroom+ Condo
1,400-2,000+ SF units, typically $180,000-$400,000 replacement cost.
HO-6 Interior Coverage
Sized to interior finishes and systems, not the building's shared structure.
2026 Florida Condo Replacement Costs by Unit Size
Typical 2026 Florida HO-6 interior replacement cost benchmarks, by unit size.
| Unit Size / Bedroom Count | Typical Florida Replacement Cost (2026) |
|---|---|
| Studio (500-600 SF) | $65,000 – $110,000 |
| Small 1-bedroom (650-800 SF) | $85,000 – $150,000 |
| 2-bedroom (900-1,300 SF) | $115,000 – $245,000 |
| 3-bedroom (1,400-1,800 SF) | $180,000 – $340,000 |
| 3-bedroom+/larger unit (1,800-2,000+ SF) | $250,000 – $400,000 |
| Per-square-foot HO-6 interior range | $100 – $200 / SF |
What Affects Condo Replacement Cost by Unit Size in Florida
Unit Size
Larger condos require proportionally more interior finish and systems replacement coverage.
Finish Quality
Standard, mid-grade, and high-end interior finishes create a wide cost range even within the same unit size.
Master Policy Boundary
What your HO-6 policy needs to cover depends on where your building's master policy coverage ends and your responsibility begins.
Upgrades Beyond Original Specs
Owner-installed upgrades (flooring, cabinetry, fixtures) beyond the building's original specifications increase needed coverage.
Region
South Florida condo interior replacement costs typically run higher than North or Central Florida for comparable unit size.
Building Age
Older buildings may have condo association bylaws that shift more replacement responsibility onto unit owners than newer buildings.
Hurricane Deductible
Florida condo policies often carry a separate hurricane deductible (2-10% of coverage) that affects out-of-pocket exposure.
Special Assessments
Understanding your unit's replacement cost also helps anticipate potential special assessment exposure after a major loss.
Condo Replacement Cost Calculator
Get a ballpark condo replacement cost range based on unit size.
Estimated Florida market range for replacement cost estimator for condo
Get an Exact Quote →Florida Building Code, Climate & Permitting
Master Policy vs. HO-6 Boundary
Review your Florida condo association's master policy to understand exactly where building coverage ends and your HO-6 interior responsibility begins.
Hurricane Deductible Exposure
Florida condo HO-6 policies commonly carry a 2-10% hurricane deductible, which affects your real out-of-pocket exposure after a storm claim.
Insurance Industry Guidance
See the Insurance Information Institute for guidance on condo/HO-6 insurance coverage.
Florida Building Code for Condos
Interior replacement work must meet current Florida Building Code requirements applicable to multi-family units.
How We Deliver Your Estimate
Share Your Unit Size
Tell us your condo's bedroom count and approximate square footage.
Finish & Policy Boundary Review
We help clarify your master policy boundary and finish quality level.
Detailed Replacement Cost Estimate
We price your unit's interior replacement cost at current Florida rates.
Delivery & Support
You receive a detailed cost breakdown within 24–48 hours, ready for your insurance discussion.
Frequently Asked Questions
This estimator prices condo HO-6 interior replacement cost organized by unit size — studio, 1-bedroom, 2-bedroom, or 3-bedroom+ — as a fast starting point before refining by finish quality.
A standard 2-bedroom condo (900-1,300 SF) typically needs $115,000-$245,000 in interior replacement cost coverage, depending on finish quality.
No, finish quality also matters significantly; this page uses unit size for a quick estimate, while our finish-tier page offers more precision for a standard-size unit.
HO-6 covers your unit's interior finishes and systems, while the building's master policy typically covers the shared structure; the exact boundary varies by condo association.
Most Florida condo HO-6 policies carry a separate hurricane deductible, commonly 2-10% of the coverage limit.
Yes, see our condo replacement cost estimator for finish-tier pricing, or our condo insurance cost estimator for coverage-scope pricing.
Request Your Free Estimate
Upload your plans and get a detailed, line-item replacement cost estimator for condo estimate in 24–48 hours.
Turnaround
Most replacement cost estimator for condo estimates are delivered within 24–48 hours of receiving your plans.
What to Include
Plans, spec sheets, or scope description. No plans yet? We can still ballpark from a description.
What You Receive
A detailed, CSI MasterFormat line-item breakdown ready for bidding or budgeting.
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