Do you offer free estimates?

Yes! We provide free, no-obligation estimates for all roofing services. Call us at (956) 600-0501 or visit our contact page to get started.

How long does a roof replacement take?

Most residential roof replacements are completed in 1–3 days, depending on the size and complexity of your roof. We work efficiently while maintaining the highest quality standards.

How long have you been in business?

Baccaro Roofing has served South Texas for over 5 years, with more than 500 completed projects and a 5.0-star rating across our 20+ Google reviews. Ronnie Baccaro is the owner-operator and personally inspects every job. We're built on RGV referrals — most of our work comes from neighbors recommending us.

Do you help with insurance claims?

Absolutely. We have extensive experience working with insurance companies. We'll document the damage, meet with adjusters, and ensure you get the coverage you deserve.

What does a typical roof replacement cost in the RGV?

Most full residential replacements in the Rio Grande Valley range from $8,000 to $18,000, depending on roof size, slope, material (asphalt shingle vs. metal), and decking condition. Use our free Roof Cost Calculator at /roof-cost-calculator for an instant estimate, or call (956) 600-0501 for a no-pressure on-site inspection.

What roofing materials do you use?

We use top-quality materials from trusted manufacturers including architectural shingles, metal roofing, and flat roofing systems. We'll recommend the best option for your home and budget.

What warranty do you provide?

Every new roof comes with the manufacturer's material warranty (typically 30–50 years on architectural shingles, lifetime on metal) plus our 5-year workmanship warranty on installation. If anything fails because of how we installed it, we come back and fix it free. No fine print, no hassle.

Are you licensed and insured?

Yes. Baccaro Roofing is fully insured for general liability and workers' comp, and operates across the Rio Grande Valley with all required local permits pulled on every job. We carry full documentation on every job site and can provide certificates of insurance on request before any work begins.

What areas of the Rio Grande Valley do you serve?

We serve all 45+ cities across the Rio Grande Valley — Hidalgo, Cameron, Willacy, and Starr counties — including McAllen, Brownsville, Edinburg, Pharr, Mission, Harlingen, Weslaco, San Juan, Alamo, and South Padre Island. If you're in the RGV, we'll come give you a free inspection.

Do you work in Spanish too?

Yes — completely. Ronnie and most of the Baccaro crew are native Spanish speakers, and we run the entire job in Spanish if that's what you prefer: inspection notes, written quote, insurance adjuster meeting, daily progress check-ins, final walkthrough. The /techos/ section of our site and our Spanish blog posts are written in native Spanish, not translated. Roofing decisions are too important to lose detail in a language gap. Call (956) 600-0501 and ask for Ronnie en español.

Do you work on commercial roofs?

Yes. Baccaro Roofing handles flat and low-slope commercial systems — TPO, EPDM, modified bitumen, and metal — across the RGV. We work with property managers, HOAs, retail centers, and small industrial clients. Same free inspection policy: we'll diagnose what's wrong and quote it honestly before any contract.

Can I finance my roof?

Yes — financing is available on roof replacements through partner lenders so you don't have to cover the full cost upfront. Most homeowners qualify, the application is quick during your inspection visit, and we don't pull credit unless you ask. Visit baccaro-roofing.com/financing for current options, or just mention it during your free inspection and Ronnie will walk through what fits. No pressure if cash works better for you — we won't push financing on anyone.

Back to Blog

Baccaro Roofing GuideRoof Replacement Cost McAllen 2026: ZIP-by-ZIP Pricing

June 7, 20269 min read

Why McAllen roof replacement quotes vary by ZIP code

When a homeowner in downtown McAllen calls us for a quote and a neighbor four miles north in Trenton Crossing calls the same week, they almost never get the same per-square-foot number. Same city. Same wind code. Same shingle line. Different price. The reason is not magic, and it is not a bait-and-switch — it is housing-stock age, decking condition, roof complexity, HOA paperwork, and access. The spread between 78501 and 78504 on a 2,200 sqft single-story shingle replacement in 2026 routinely runs $3,000 to $7,000.

This guide breaks it down ZIP by ZIP — 78501, 78503, 78504, and the outlying 78505 — using real (sanitized) quotes we wrote in Q1 and Q2 of 2026. If you want the broader [McAllen roof replacement cost guide](/blog/roof-replacement-cost-mcallen) that covers the city as a whole, start there and come back here when you want the per-ZIP detail.

Baccaro Roofing is owner-operated by Ronnie Baccaro, with 5+ years serving the Rio Grande Valley, 500+ completed projects, and a 5.0 star rating across 20 Google reviews. We install GAF, Owens Corning, and CertainTeed product lines. Free inspections, no AOB contracts, transparent line-itemed quotes. Call (956) 600-0501.

A note before we start: Texas does not license residential roofers at the state level. That means the ZIP you live in, the permit office you pull through, and the contractor you pick are the three things that actually protect you. The [Texas Department of Insurance](https://www.tdi.texas.gov/) has published consumer guidance on exactly this — and it is worth reading before you sign anything.

The four McAllen ZIPs we cover

### 78501 — Downtown, Central, and South McAllen

This is the oldest housing stock in the city. The [Hidalgo County Appraisal District](https://www.hidalgocad.org/) records show large portions of 78501 built between 1960 and 1985, with pockets going back further south of US-83 toward the original townsite. Translation: plank decking (1x6 or 1x8 board sheathing) is common, not the OSB or plywood you see in newer construction. When we tear off, we frequently find rot at eaves, split boards from old nail holes, and gaps that exceed the [NRCA](https://www.nrca.net/) and shingle-manufacturer maximum spacing tolerances. Code and warranty both require we fix that before the new system goes down.

Real-world 2026 range for a 2,200 sqft single-story shingle replacement in 78501: $19,000 to $26,000 all-in. Plan for a 35% probability that decking work adds $1,500 to $4,000 on top.

Hyperlocal anchors we work near every month: blocks south of US-83 toward the McAllen Convention Center, the older grid around La Plaza Mall, the residential streets feeding into 17th Street and 23rd Street, and the established neighborhoods around McAllen High School. Tight side-yard access in downtown blocks is real — sometimes we cannot stage a 16-foot dump trailer at the curb, and we drop a smaller dumpster in the driveway instead, which costs us labor time on the tear-off shuttle. That shows up in the quote.

### 78503 — Las Brisas and East McAllen

78503 is largely 1990s and 2000s tract housing, with OSB or plywood decking that is generally in good shape. Roof pitches are moderate, layouts are repetitive, and most homes are single-story with simple hip or gable roofs. This is the sweet spot for predictable pricing.

Real-world 2026 range for a 2,200 sqft single-story shingle replacement in 78503: $17,000 to $22,000 all-in. Decking-replacement surprise rate is closer to 10%.

Hyperlocal anchors: Las Brisas subdivision and its inner loops, the Bicentennial Boulevard corridor on the east side, the residential streets between Nolana and Dove east of 10th, and the neighborhoods feeding into Memorial High School. HOA architectural review applies in Las Brisas — color and material changes need approval before tear-off, and we build that calendar week into the project timeline. We have done [McAllen roof replacement](/areas/mcallen/roof-replacement) jobs in Las Brisas where the HOA review took longer than the install itself, which is why we now submit paperwork the day we sign the contract.

### 78504 — North McAllen and Trenton Crossing

This is the newest construction in the city, with most of 78504 going up between 2000 and 2020. Decking is OSB or plywood in good condition, framing is post-modern code, valleys and penetrations are flashed to current standards, and tear-off is straightforward. These are the simplest installs we do.

Real-world 2026 range for a 2,200 sqft single-story shingle replacement in 78504: $16,000 to $20,000 all-in. Decking-replacement surprise rate is below 5%.

Hyperlocal anchors: Trenton Crossing retail trade area and surrounding neighborhoods, the Bicentennial Boulevard corridor running north, the residential developments around the UTRGV McAllen Teaching Site, and the Sharyland-adjacent subdivisions that are technically inside Mission's ETJ but live a McAllen lifestyle (and call us with a McAllen mailing address). Standing seam metal is more common in 78504 than in the older ZIPs — newer custom homes were designed for it from the start.

### 78505 — Mixed Outlying

78505 covers a mix of outlying residential and small-acreage parcels. Pricing tracks whichever neighboring ZIP your house was built in: 1970s ranch on a half-acre will price like 78501, a 2015 build will price like 78504. We quote 78505 case by case after a site visit.

What drives the per-ZIP spread

Four real variables move the number — none of them are markup games.

1. Housing-stock age drives decking integrity. This is the single biggest swing factor. Plank decking in 78501 fails on tear-off about a third of the time. OSB in 78504 fails about one time in twenty. The [Insurance Institute for Business and Home Safety (IBHS)](https://ibhs.org/) FORTIFIED Roof standard treats decking attachment as a separate line item from the cover material — there is a reason. A new $22,000 shingle roof nailed into rotten 1965 plank is a $22,000 shingle roof that will tear off in the next 95-mph straight-line wind event. (And the [NOAA Storm Events database](https://www.ncdc.noaa.gov/stormevents/) has plenty of those logged for Hidalgo County.)

2. Roof complexity scales labor. A simple hip in a 78504 tract home goes on in a day and a half. A multi-plane Sharyland custom with three valleys, two dormers, and a chimney cricket takes three to four days and burns through a lot more underlayment, ice-and-water, and flashing detail. Steeper pitches need walkboards and harness anchors. All of that shows up in the quote.

3. HOA architectural review eats calendar time and sometimes upgrades the spec. Las Brisas and most Sharyland subdivisions require pre-approval of color and material. Some HOAs require synthetic underlayment regardless of the manufacturer minimum, some restrict to specific shingle lines (architectural only, no three-tab), and a few require matching the original substrate. We handle the paperwork — but the calendar pressure is real, and stepping up to a required upgrade product changes the line item.

4. Access affects tear-off labor. Wide driveways in 78504 let us stage a 16-foot dump trailer at the curb and shuttle directly from roof to trailer. Tight downtown 78501 lots may force a driveway-only dumpster, which adds half a day of shuttling. Same volume of debris, more labor hours.

5. Permit fees. McAllen Development Center pulls residential reroof permits on a fee schedule tied to job valuation. A $17,000 job in 78504 has a smaller permit line than a $26,000 job in 78501. The fee is the fee — we pass it through at cost, line-itemed.

Material-by-material per-ZIP

These are 2026 installed prices, including tear-off, underlayment, flashing, fasteners, permit, disposal, and our 5-year workmanship warranty. They do not include decking replacement beyond the 4-sheet baseline included in every quote.

| Material | 78501 range | 78503 range | 78504 / Sharyland | |---|---|---|---| | Asphalt architectural shingle | $10 – $12 / sqft | $8.50 – $10.50 / sqft | $7 – $9 / sqft | | Metal R-panel screw-down | $10 – $12 / sqft | $9.50 – $11 / sqft | $9 – $11 / sqft | | Standing seam metal | $14 – $17.50 / sqft | $13.50 – $16.50 / sqft | $13 – $17.50 / sqft | | Stone-coated steel | $15 – $18 / sqft | $14.50 – $17.50 / sqft | $14 – $17 / sqft | | Concrete or clay tile | $16 – $25 / sqft | $15 – $23 / sqft | $14 – $25 / sqft (most installs here) |

Shingle lines we install: [GAF](https://www.gaf.com/) Timberline HDZ and UHDZ, [Owens Corning](https://www.owenscorning.com/) Duration, and CertainTeed Landmark. For metal, we partner with regional R-panel and standing seam fabricators. If you want a deeper material teardown, our [metal roof installation cost guide for McAllen](/blog/metal-roof-installation-cost-mcallen) covers the metal options in more detail.

Real 2026 quote examples (sanitized)

Names and addresses removed; scope and number are real.

1,800 sqft single-story ranch in 78501, 1 layer of three-tab tear-off, partial plank decking replacement (11 sheets equivalent), Owens Corning Duration in Estate Gray: $19,800
2,200 sqft 2010s tract home in 78504, clean OSB decking, GAF Timberline HDZ in Charcoal: $17,400
2,800 sqft two-story Sharyland custom, cut-up roof with three valleys and a chimney cricket, standing seam metal 24-gauge in Galvalume: $43,500
1,600 sqft 1990s Las Brisas home in 78503, HOA-approved architectural shingle upgrade, no decking issues: $16,200

Same shingle line, same crew, same week — four different ZIPs, four different numbers, each defensible line by line.

What is included in every Baccaro quote regardless of ZIP

Whether you are in 78501, 78503, 78504, or 78505, our base scope is the same:

- Full tear-off of all existing layers down to deck - Disposal and dump fees - Synthetic underlayment across the full deck - Ice-and-water shield at eaves, valleys, and all penetrations - 6-nail fastening pattern to Hidalgo County 130 mph wind specification - Step-flashing and pipe-boot replacement (not reuse) - Drip edge at eaves and rakes - Ridge ventilation matching intake net free area - Hidalgo County / City of McAllen permit, line-itemed at cost - 4-sheet decking allowance included in baseline price - Manufacturer warranty registration in homeowner's name - 5-year Baccaro workmanship warranty - Owner walk-through with Ronnie before final payment

When you compare our [Baccaro McAllen replacement service](/areas/mcallen/roof-replacement) number against another bid, line up these items first. Most of the spread between bids hides in what was left out.

The hidden $1,500 to $4,000 swing on older ZIPs

This is the single most common surprise homeowners in 78501 (and older pockets of 78503) face. Four things drive it:

1. Plank decking replacement. When 1x6 boards have rot, split nail patterns, or gaps over half an inch, they have to come out. Replacement is OSB or plywood meeting current Texas residential code. 2. 1960s and 70s framing nailing pattern updates. Rafters and trusses sometimes need re-fastening to bring the assembly up to current uplift resistance. 3. Old chimney flashing rebuild. Brick chimneys in older ZIPs often have step flashing that was nailed face-on through the mortar joint — wrong then, wrong now. We rebuild with new counter-flashing cut into a fresh reglet. 4. Wall transitions and skylights. Tear-off frequently reveals dry-rotted sheathing under old kickout flashing or skylight curbs. Repair is decking + new flashing.

We disclose these as line-item allowances on the front of the quote — so you see the worst case before we start, not after we have shingles flying off the trailer.

Common questions

Why is 78501 more expensive than 78504 if the houses are smaller? Housing-stock age. The labor and material to fix 60-year-old plank decking, rebuild old chimney flashing, and work tight downtown access costs more than installing on a 15-year-old house with clean OSB and a wide driveway.

Do I need an HOA approval in Las Brisas before you start? Yes — and we handle the paperwork. We submit on contract signing so the review runs in parallel with our material ordering. Plan for a one-to-three-week HOA window in most Las Brisas and Sharyland subdivisions.

How long is a McAllen roof replacement project? One day for a simple 1,600 sqft 78504 shingle install. Two days for most 2,200 sqft jobs. Three to four days for cut-up Sharyland customs or any tile or standing seam metal job. Weather can shift the schedule — we do not install in rain.

Does Baccaro require AOB (Assignment of Benefits) on insurance claims? No. We never take AOB. You stay in control of your claim from start to finish. If you are dealing with storm damage, our [McAllen insurance claim help](/areas/mcallen/insurance-claim) page walks through the process.

What permit is required for a McAllen reroof? A residential reroof permit through the McAllen Development Center. We pull it in our name, pay the fee at cost, and pass it through line-itemed on your quote. The fee scales with job valuation.

Can I finance a roof replacement? Yes — we work with regional lenders that approve same-day for most credit profiles. Details on our [financing page](/financing), including no-payment-90-days programs and 12-month same-as-cash options for qualified buyers.

Will my homeowner's insurance pay for any of this? If there is documented storm damage from a hail or high-wind event covered by your policy, your insurer may cover the replacement minus your deductible. The [NOAA Storm Events database](https://www.ncdc.noaa.gov/stormevents/) is the public record of date-stamped events for your area. Free inspections from us include claim-eligibility documentation if damage is present.

Do I really need a free inspection before I get a price? For an accurate quote, yes. Square footage from public records is not roof square footage — pitch, complexity, penetrations, decking type, and current condition all affect the price. Our inspection is free, no obligation, and Ronnie or a senior crew member does it personally.

Get a quote

Free inspection, written quote, no AOB, no high-pressure sales. Owner-operated by Ronnie Baccaro. We install GAF, Owens Corning, and CertainTeed shingle lines plus metal and tile from regional partners. 5+ years in the Rio Grande Valley, 500+ projects, 5.0 stars across 20 Google reviews. Texas does not license residential roofers at the state level — pick a contractor who shows their work line by line.

Call (956) 600-0501 or visit our [McAllen service overview](/areas/mcallen) to schedule.