Remodeling Costs & Pricing Guide | Neil Kelly
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What will your remodel cost?
Let's talk about it honestly.

It's the first question almost everyone asks and one most remodelers dodge. We won't. The honest answer is "it depends," but that doesn't mean you can't get clarity. This page walks you through what drives cost, what real projects run, and how financing works-so you can plan with confidence before you ever pick up the phone.

Four things shape the price of every project.

Every remodel comes down to four variables:

  • The scope of the work
  • The materials and finishes you choose
  • The existing conditions of your home
  • Your location

Understanding how each one moves the number is the key to a budget that holds. Here’s how it breaks down.

What Real Projects Cost.

Real ranges from real Neil Kelly projects, by scope level. Use them to place your own project before you talk to anyone.

REFRESH

$55K – $130K

Cosmetic updates same footprint, new finishes.

REPLACE

$85K – $245K

New cabinets, counters, appliances; layout largely intact.

REIMAGINE

$175K – $385K+

Walls moved, footprint changed, fully custom.

Most owners spend $140K–$190K on a kitchen in the Replace or Reimagine range.

At $150K with mid-quality materials, the trade-by-trade breakdown runs roughly:

  • Cabinetry 40%
  • Demo/Drywall 12%
  • Countertops & Tile 20%
  • Framing 8%
  • Plumbing & Electrical 15%
  • Plans & Permits 5%

Is Neil Kelly Worth It?

It's a fair question to ask at this number. Here's what homeowners who chose Neil Kelly over a lower bid say about it – in their own words.

Although they will not be the lowest bid on the project, their higher cost ensures the very best of everything, from materials, design, construction & follow up. This is my third project with Neil Kelly & have had the best experiences with the firm & their teams.

Ruth H.

Portland · via GuildQuality

NK's price was basically the same as the other good outfits we asked for estimates, but their work and service truly have been superb.

Herman A.

via GuildQuality

Extremely professional. I would tell friends that while Neil Kelly is not the cheapest option, you get the quality and peace of mind that you pay for.

Theodore A.

via GuildQuality

A Word From Our CEO

Like many homeowners, Dan Watson learned a lesson in doing it wrong the first time.

What Drives the Cost

No matter the project, cost comes down to the same four factors.

  1. 01

    Scope

    Refresh, Replace, or Reimagine. Room complexity and size move the number; a changed floor plan moves it most, and that's Reimagine territory.

  2. 02

    Materials & Finishes

    Good, Better, or Best. A wide range of material options equals a wide range of cost; your designer helps balance your wish list against your budget.

  3. 03

    Existing Home Conditions

    The hidden costs—what's behind the walls. We evaluate thoroughly before finalizing pricing to minimize surprises. Condo, historic home, and HOA situations get called out early.

  4. 04

    Location

    Washington imposes sales tax on materials; Oregon does not. Labor rates vary by market; permit complexity and timelines vary by city; projects beyond our 50-mile radius may include travel costs.

How Your Price Gets More Precise Over Time

You're not locked in at stage one. The number sharpens as your project takes shape, and you're informed at every step.

  1. 01

    Online Planning Range

    Discover style and vision for your remodeling project.

  2. 02

    Early Consultation Range

    Meet with your dedicated designer to bring your vision into focus and align it with a realistic budget.

  3. 03

    Design-Phase Budget

    Approve specs so your schedule is set and your cost range narrows to a firm number.

  4. 04

    Fixed-Price Contract

    Let us handle every detail: materials, permits, inspections and the build itself.

If Now Isn't The Right Time for a Full Remodel

Sometimes the most honest advice is to do less or to wait. Here are four real paths, each with a soft next step.

Smaller Projects

What we can do at a lower investment level.

Phased Remodel

Plan the full vision now, build in stages over time.

Home Repair

When the issue is a repair, not a remodel.

Start with a Consultation

Get clarity before choosing any path.

Financing Your Remodel

A quick map of the common ways homeowners fund a project. We don't offer in-house financing, and we don't push one option. A lender or financial advisor is the right resource for your situation.

Cash / Savings

The most straightforward path. No interest, no approval process.

Home Equity Loan

A fixed-rate lump sum secured against your home equity. Predictable monthly payments.

HELOC

A revolving line of credit drawn as needed. Variable rate – works well for phased projects.

Construction Loan

Short-term financing that converts to a mortgage or is paid off at completion.

RenoFi

Home improvement loans based on your home's after-remodel value. Explore RenoFi's Tools

A note: Neil Kelly does not offer in-house financing and does not recommend one option over another. A financial advisor or lender is the right resource.

Keep Planning

A few resources to take the next step on your own time.

  • Tool

    Kitchen Cost Calculator

    Estimate your kitchen project in minutes.

    Try the Calculator
  • Tool

    Bathroom Cost Calculator

    Estimate your bathroom project in minutes.

    Try the Calculator
  • Workbook

    Are You Ready to Remodel?

    Your roadmap and practical guide to remodeling with confidence.

    Download Your Copy
  • Article

    Bend Bathroom Remodel Costs

    What a bathroom remodel really costs in Central Oregon, by scope.

    Read the Article
  • Article

    Insurance After a Remodel

    Why your coverage needs updating once the work is done.

    Read the Article

Pricing Questions, Answered.

How much should I budget for unexpected costs?

At the end of our two step design retainer process we have put together a fixed price contract with all design decisions selected. Due to this thorough process unexpected costs should be minimal to only potential issues that we cannot see once we get behind the walls. To prepare for the chance of those unexpected costs, setting aside an additional 5% of your budget is recommended.

How do I define the scope of my project?

Defining your scope is something we work through together — you don't need to have it figured out before you reach out to us.

It starts with getting clear on the why. What isn't working in your space? What do you love about your home that you want to preserve? How do you use the space day to day, and who uses it? Sharing as much as possible with your Design Consultant early on gives them the foundation they need to start shaping a plan that truly fits your life.

From there, your designer will work with you during the Schematic Design phase to explore what's possible within your home and your budget, producing conceptual design options that clarify the overall direction and investment range. Scope is then refined further during Design Development, where material selections, construction drawings, and a detailed Scope of Work are finalized before anyone picks up a tool.

One thing worth keeping in mind: scope has a natural tendency to grow as a project takes shape. Your Design Consultant will help you evaluate any additions thoughtfully so your project stays aligned with your priorities and your budget.

What four factors most affect the cost of a remodel?

The four primary cost drivers of remodeling projects are: 1. Scope — How much work is being done and what is the square footage that is being affected. 2. Selections — Material and finish quality (are you selecting good, better or best options). 3. Existing conditions — Determining any complexities to your existing homes conditions can affect the cost of your project. For example this could include outdated electrical, or plumbing locations. 4. The state, city, and county you live in may also have implications in the overall cost to remodel your home. These variables include varying labor costs for larger metropolitan areas, sales tax for Washington vs Oregon, and local permitting and inspection requirements.

What is the difference between a Refresh, Replace, and Reimagine project?

These are Neil Kelly three scope tiers: Refresh = cosmetic updates within the existing layout (lowest cost); Replace = replacing major components within roughly the same footprint (mid-range); Reimagine = full reconfiguration with layout changes, moved systems, and custom work (highest investment).

Does Neil Kelly offer fixed-price contracts?

Yes. Before construction begins, we do the work upfront: every new material and fixture is selected, a detailed scope of work is agreed upon, we collect bids from experienced subcontractors, and factor in permitting costs. That process allows us to give you a specific, reliable bottom-line number before anyone picks up a hammer.

Unexpected things can happen on any remodeling project. If we uncover something structural, or if you decide to adjust the scope, we handle those situations through Additional Work Authorizations, communicated clearly and priced transparently before any extra work proceeds.

What does a fixed-price contract include?

Neil Kelly fixed-price contract defines the full scope of work, all selected materials and finishes, a project schedule, and a total project cost. It provides certainty and protects the client from unexpected cost increases.

When do I sign a fixed-price contract?

A fixed-price contract is signed after design development is complete and all project details, materials, and costs are fully defined. This typically happens before permit submission and before construction begins.

How do I manage budget across a multi-phase whole home project?

Each phase should be planned and priced separately, while keeping the overall vision in mind so decisions in Phase 1 do not create problems or extra cost in later phases. Neil Kelly helps clients plan phased projects holistically.

What do Good, Better, and Best material tiers mean in practice?

Good = functional, durable, cost-effective selections. Better = elevated style and quality, mid-range price. Best = premium materials, custom options, highest durability and aesthetics. Your Neil Kelly designer can walk you through examples in each tier.

How long has Neil Kelly been in business?

Founded in 1947 by Neil and Arlene Kelly in Portland, OR with a $100 investment. Today Neil Kelly Company is one of the largest design/build remodeling firms in the country, with more than 30,000 projects completed in Oregon and Washington. The company remains family-owned.

What is RenoFi and why does Neil Kelly recommend it?

RenoFi is a lending platform that offers renovation loans based on the after-renovation value of your home — not just its current value. This often allows homeowners to borrow significantly more than with a traditional Home Equity Line of Credit (HELOC).

What is the difference between a home equity loan and a HELOC for remodeling?

A home equity loan provides a lump sum at a fixed rate — good for a defined project cost. A HELOC is a revolving line of credit — more flexible but with a variable rate. Both are secured by your home equity.

What makes Neil Kelly different from other remodelers?

Neil Kelly pioneered the design-build remodeling model: one integrated team handles design, permitting, project management, and construction with a single point of contact. We've been doing this for nearly 80 years as a family-owned company, and we've completed more than 30,000 projects across Oregon and Washington. We hold Certified B Corp status, offer fixed-price contracts so there are no surprise costs, back our work with a 5-year warranty, and have earned dozens of awards across the remodeling industry and beyond.

Ready to Find Out What Your Project Might Cost?

Talk to a designer — no commitment, just clarity. Or call us at (866) 691-2719.