Pricing, estimates and getting paid
Pricing a trade job means turning your costs into a number the customer approves before you start. Every price in these guides is built the same way: task hours times your cost per billable hour (the loaded wage plus truck and overhead, not the wage alone), plus parts, permits and equipment, divided by one minus the margin you need. Flat-rate prices fix that sum in advance for repeatable work; time and materials bills it afterwards for work you can't scope. Getting paid is the second half: a clear estimate or proposal, a deposit where the job and your state allow it, payment terms written on the quote, an invoice the customer can pay in one tap, and a plan for the invoices that go unpaid.
34 guides in this topic
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- Flat Rate vs Time and Materials Pricing for Contractors: Which to Use and How to Build a Flat RateFlat rate vs time and materials for HVAC, plumbing and electrical shops: how each works, how to build a flat-rate price step by step, and w…
- Job Costing for Contractors: How to Find Your Profit per Job (With a Worked Example)Job costing for HVAC, plumbing and electrical contractors: loaded labor rate, parts, overhead per hour, margin vs markup, a worked example …
- How Much to Charge for a Service Call: Trip Charges and Diagnostic Fees for HVAC and PlumbingTypical 2026 service call, trip charge and diagnostic fee ranges for HVAC and plumbing, how to work out your own number, and what to say on…
- Good Better Best Pricing for HVAC and Plumbing Quotes: How to Build and Present Three OptionsHow good, better, best pricing works on HVAC, plumbing and electrical quotes: why three options sell, how to build them, sample option sets…
- Contractor Payment Terms: Examples by Job TypeContractor payment terms by job type: due on receipt vs net 30, progress payment schedules, wording to paste, and state rules on down payme…
Why does every price start from your cost per billable hour?
Because paid hours aren't billable hours: our plumbing price book guide cites ServiceTitan putting billable time at only 40% to 50% of a plumber's workday. Divide by one minus the margin, not by a markup: a 50% markup is only a 33% margin, as flat rate vs time and materials and job costing for contractors both show. How to price electrical work explains why a published $90 hour can lose money, and HVAC flat rate pricing works the formula from a $29.33 median wage to a $239 billable rate and a $900 blower motor job. Work your own numbers with the labor rate calculator, markup vs margin calculator, flat-rate price calculator and job profit calculator.
What should you charge before anyone sees the problem?
The service call fee is the first price a caller hears. Per our service call guide, HVAC diagnostics run about $70 to $200 ($89 is common) and plumbing trip charges about $75 to $100, with after-hours calls at 1.5× to 2×. Once you're on site, good, better, best options turn yes-or-no into which-one. And prices have to move with costs: in how to raise prices, a 6% increase lifts net margin from 6.4% to 11.7%.
How do you price HVAC installs and maintenance plans?
Installs add a sales commission to the divisor: price = total cost ÷ (1 − net margin − commission). The worked examples cover AC installation, furnace installation and heat pump installation; none of them promises the 25C credit, which ended with 2025 installs. Size first with the BTU calculator. Duct cleaning is priced per system, not per vent. For recurring revenue, price maintenance plans from the cost of one visit (typical plans sell for $150 to $250 a year per system), sell them on every eligible call and put the terms in an HVAC service agreement. The maintenance agreement price calculator runs the visit math.
How do you price plumbing and drain work?
Drain work carries a per-use charge for the jetter or camera, and access changes the time; see drain cleaning pricing. Bigger jobs use a project crew rate ($177.13 per crew hour for a plumber and helper in our examples): a repipe is priced per fixture connection, and sewer line replacement is quoted from the camera footage, per foot. Size water heaters with the water heater size calculator.
How do you price electrical and roofing jobs?
Our electrical examples use $115.27 per billable hour and a 20% margin. Panel upgrades start with a load calculation and add the 2023 NEC's outdoor emergency disconnect and surge protection; EV chargers are sized at 125% of the charger's continuous current and priced by run length; standby generators add the plumber's gas line and permits. The wire size and voltage drop calculators help on long runs. Roofers price by the square: estimating a roofing job multiplies plan area by the pitch factor (1.118 for a 6/12 roof) and adds 10% to 15% waste; the roofing calculator does the measuring.
What paperwork gets a job approved?
A contractor proposal restates the problem, gives two or three priced options and ends with one way to approve. Copy the plumbing estimate template or electrical estimate template, or build one with the estimate generator. Roofers need the clauses in a roofing contract template, including per-sheet decking prices. Promise only what you'll fix in a workmanship warranty. If you offer customer financing, the dealer fee comes off what the lender pays you; CrewRobin doesn't offer financing.
How do you get paid on time, and what if you aren't?
Set the deposit by job and state (California caps home improvement deposits at 10% or $1,000, whichever is less) and write payment terms on the quote and the invoice. What to include on a contractor invoice and the HVAC invoice template cover the lines; the invoice generator fills them in. When a bill goes unpaid, collecting unpaid invoices runs from a due-date reminder to a demand at day 30, and a mechanics lien clock that runs from completion, not the invoice date: 90 days for a California direct contractor.
| Job | Worked example | Cost → price | Guide |
|---|---|---|---|
| Service call | HVAC diagnostic / plumbing trip charge | $70–$200 ($89 common) / $75–$100 typical | Service call fees |
| AC installation | 3-ton AC and coil on an existing furnace, 20% net, 5% commission | $6,255 → about $8,345 | AC install |
| Furnace installation | 80% to 96% furnace with a water heater chimney liner | $5,630 → about $7,510 | Furnace install |
| Heat pump installation | 3-ton changeout, 20% net, 5% commission | $8,245 → about $10,995 | Heat pump install |
| Duct cleaning | One system, 3 hours, two people, $95/hour, 30% margin | About $940 | Duct cleaning |
| Drain cleaning | 1.5-hour main line clear from a cleanout, $174.20/hour, 30% margin | About $425 | Drain cleaning |
| Repipe | Two-bath, 13-fixture PEX repipe, 30% margin | $4,884.08 → about $6,980 (about $537 a fixture); about $11,145 in copper | Repipe |
| Sewer line | 60-foot open-trench lateral, 30% margin | $5,180.58 → about $7,405 ($123 a foot) | Sewer line |
| GFCI swap | One GFCI, 20% margin | $141 → about $177 | Electrical work |
| Panel upgrade | 100A to 200A service upgrade | About $4,795 | Panel upgrade |
| EV charger | 25-foot / 60-foot garage run, before the charger, 20% margin | About $989 / about $1,846 | EV charger |
| Standby generator | 22 kW install, 20% margin | $9,674.86 → about $12,095 | Generator |
| HVAC maintenance plan | Two visits a year per system | About $150–$250 a year, or $15–$30 a month (typical) | Maintenance plans |
Every guide in this topic
- Contractor Payment Terms: Examples by Job TypeContractor payment terms by job type: due on receipt vs net 30, progress payment schedules, wording to paste,…
- Customer Financing for Contractors: Fees, Rules and MathCustomer financing for contractors: how lender programs and dealer fees work, Reg Z ad rules, the FTC Holder …
- Electrical Estimate Template: What to Include + SampleAn electrical estimate template to copy, the fields every estimate needs, license number rules in Texas and C…
- Flat Rate vs Time and Materials Pricing for Contractors: Which to Use and How to Build a Flat RateFlat rate vs time and materials for HVAC, plumbing and electrical shops: how each works, how to build a flat-…
- Good Better Best Pricing for HVAC and Plumbing Quotes: How to Build and Present Three OptionsHow good, better, best pricing works on HVAC, plumbing and electrical quotes: why three options sell, how to …
- How Much Deposit Should a Contractor Ask For? Typical Percentages and State LimitsTypical contractor deposits by job type, state limits like California's 10% or $1,000 cap, how to set your de…
- How Much to Charge for a Service Call: Trip Charges and Diagnostic Fees for HVAC and PlumbingTypical 2026 service call, trip charge and diagnostic fee ranges for HVAC and plumbing, how to work out your …
- How to Build a Plumbing Price Book (Flat Rate, Step by Step)How to build a flat-rate plumbing price book: your billable-hour cost, the margin formula, a worked water hea…
- How to Collect Unpaid Invoices as a ContractorHow to collect unpaid invoices as a contractor: a day 0 to 90 timeline, reminder and demand letter templates,…
- How to Estimate a Roofing Job (With a Worked Example)How to estimate a roofing job: measure squares with pitch factors, add waste, count bundles and underlayment,…
- How to Price a Panel Upgrade: An Electrician's GuideHow to price a panel upgrade: load calc, 2023 NEC items that add cost, utility coordination, and a worked 100…
- How to Price a Repipe: A Plumber's Guide to PEX and CopperHow to price a repipe: per fixture vs per square foot, PEX vs copper labor and material, drywall patching, pe…
- How to Price AC Installation: A Contractor's GuideHow to price AC installation as an HVAC contractor: condenser and matching coil, line set, labor at cost per …
- How to Price Drain Cleaning (Flat-Rate Price List)How to price drain cleaning as a plumber: a flat-rate price list from your cost per billable hour, jetting an…
- How to Price Duct Cleaning: Per System vs Per VentHow to price duct cleaning as an HVAC contractor: per system vs per vent, an equipment charge, a worked price…
- How to Price Electrical Work: Hourly, Flat Rate and MarkupHow to price electrical work: your cost per billable hour, flat rates for outlets, fans and panels with worke…
- How to Price EV Charger Installation (for Electricians)How to price EV charger installation: the panel capacity check, NEC 125% rule, run-length tiers, a worked lev…
- How to Price Furnace Installation: A Contractor's GuideHow to price furnace installation as an HVAC contractor: 80% vs 95% AFUE venting, condensate, orphaned water …
- How to Price Generator Installation: An Electrician's GuideHow to price generator installation: NEC 702 sizing, transfer switch choice, clearances, the gas line sub, an…
- How to Price Heat Pump Installation: A Contractor's GuideHow to price heat pump installation as a contractor: cost lines, cost per billable hour, the margin divisor, …
- How to Price HVAC Maintenance Plans: Build the Price From the Visit UpTypical HVAC maintenance plan prices, how to build yours from the cost of one visit, tiers that sell, member …
- How to Price Sewer Line Replacement: A Plumber's GuideHow to price sewer line replacement: a project crew rate, open trench vs pipe bursting vs lining, permits, 81…
- How to Raise Prices as a Contractor: Math, Letter, ScriptsHow to raise prices as a contractor: work out the increase from your costs, see what 6% does to net margin, a…
- How to Sell HVAC Maintenance Agreements: Scripts That WorkHow to sell HVAC maintenance agreements: tech and CSR scripts, renewal texts, an objection-handling table, an…
- How to Write a Contractor Proposal (With Template)How to write a contractor proposal that gets signed: proposal vs estimate vs bid, the sections to include, a …
- HVAC Flat Rate Pricing: The Formula, a Worked Example and How to Build Your Price BookHVAC flat rate pricing formula: hours times your billable rate plus marked-up parts, checked against target m…
- HVAC Invoice Template: What to Include, With ExamplesAn HVAC invoice template to copy: refrigerant type and pounds added, model and serial numbers, warranty regis…
- HVAC Service Agreement Template: Terms and ClausesAn HVAC service agreement template: 14 clauses with copyable wording, 2026 auto-renewal and cancellation rule…
- Job Costing for Contractors: How to Find Your Profit per Job (With a Worked Example)Job costing for HVAC, plumbing and electrical contractors: loaded labor rate, parts, overhead per hour, margi…
- Mechanics Lien for Contractors: Basics and DeadlinesMechanics lien for contractors: what it is, preliminary notice, how to file, and deadlines in California, Tex…
- Plumbing Estimate Template: What to Include and a Free CopyA plumbing estimate template to copy, the fields every estimate needs, license-number and 3-day cancellation …
- Roofing Contract Template: Every Clause ExplainedA roofing contract template with each clause explained: scope, decking unit prices, insurance claims, warrant…
- What to Include on a Contractor Invoice: A Field-by-Field Checklist and TemplatesWhat to include on a contractor invoice: a field-by-field checklist, license number rules, payment terms, a t…
- Workmanship Warranty Template for ContractorsA workmanship warranty template to copy, terms by trade, exclusions, a claim process, and when the Magnuson-M…
Frequently asked questions
How do contractors calculate a price for a job?
Start from your billable hourly cost (wages, burden, trucks and overhead divided by billable hours), add parts at your markup, then check the result against the gross margin you need. Flat-rate prices are that sum fixed in advance for a defined task.
Is flat rate or time and materials better for contractors?
Flat rate suits repeatable service work because the customer approves a price before you start and fast technicians earn more. Time and materials fits work you can't scope until it's open. Many shops use both.
How much deposit can a contractor ask for?
It depends on the job and the state: some states cap home-improvement deposits, so check your state's contractor rules before you set a policy. Deposits are most common on installs and custom-ordered equipment.
What should be on a contractor invoice?
Your business name and license number where required, the customer and job address, the date, an itemised list of labor and materials, taxes, the total, payment terms and the ways to pay.