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WINDOW REPLACEMENT PRICE GUIDE

Replacement vs. New Construction Windows: Which Is Right for Your Home?

Learn the key differences, cost factors, and when each window option makes sense for homes in New Jersey, Eastern Pennsylvania, and Northern Delaware.

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Replacement vs. New Construction Windows | 2026 Guide for PA, NJ & DE
Reviewed by Exteriors by Global Home Project Team PA #PA008490 · NJ #13VH01194900 · DE #008490
Last reviewed: May 25, 2026  ·  4.9★ from 500+ verified reviews
2026 Installation Method Guide · PA · NJ · DE

Replacement vs. New Construction Windows: Which Should You Choose?

When you replace windows, one of the most important decisions you'll make isn't which window — it's how it gets installed. Insert (replacement) installation fits a new window inside the existing frame. New construction (full-frame) installation removes the entire frame down to the studs. The right answer depends on frame condition, whether siding is being replaced, and whether you want to change opening sizes.

Insert Project Range
$6K – $60K+
5 windows to whole home
Full-Frame Range
$10K – $90K+
5 windows to whole home
Insert Timeline
1 – 2 Days
typical project
Full-Frame Timeline
3 – 5+ Days
typical project
Side-by-side

Replacement vs. New Construction: Quick Overview

The shortest version of the comparison — the seven differences that drive most of the decision-making.

FeatureReplacement (Insert)New Construction (Full-Frame)
Installation typeFits inside the existing frameExisting frame removed to the studs
CostLowerHigher (≈40–60% more)
Labor intensityLess invasiveMore extensive
Exterior impactMinimalRequires exterior work
Can change opening sizeNoYes
Project timeline1–2 days3–5+ days
Best forQuick upgrades, sound framesFull exterior remodels, damaged frames
Real pricing

Cost Comparison by Project Size

Pricing scales primarily with the number of windows. These are the typical 2026 ranges for Pennsylvania, New Jersey, and Delaware projects.

Insert (Replacement) Window Pricing

Project SizeNumber of WindowsCost Range
Small5 – 10 windows$6,000 – $15,000
Mid-size10 – 20 windows$12,000 – $30,000
Whole home20+ windows$25,000 – $60,000+

New Construction (Full-Frame) Window Pricing

Project SizeNumber of WindowsCost Range
Small5 – 10 windows$10,000 – $22,000
Mid-size10 – 20 windows$20,000 – $45,000
Whole home20+ windows$40,000 – $90,000+

Per-Window Cost Comparison

Installation TypePer-Window RangeIncludes
Replacement (insert)$700 – $1,400New window unit + insert installation + interior trim
New construction (full-frame)$1,200 – $2,500+Window unit + frame removal + new flashing + exterior trim + interior finish work
Why full-frame costs more: the work itself is more extensive. Full-frame includes removing the existing frame, inspecting and prepping the rough opening, installing fresh flashing tied into the home's weather-resistant barrier, and integrating the new window with new exterior trim or siding. You're paying for more labor, more material, and a much higher level of waterproofing.
Defining the two methods

Insert vs. Full-Frame: What Each Method Actually Is

Before deciding which is right for your home, it helps to know exactly what each installation method involves and what the trade-offs look like.

Insert (Replacement) Windows

Also called retrofit installation

Insert windows are installed inside your existing window frame. The original frame stays in place, the old sash and operating components come out, and a new self-contained window unit is fitted within the original opening.

Pros

  • Lower cost
  • Faster installation (often 1–2 days for a whole home)
  • Minimal disruption inside and outside
  • No exterior reconstruction
  • Existing siding and trim stay in place

Limitations

  • Slightly reduces visible glass area
  • Cannot change window size or shape
  • Relies on the existing frame's condition
  • Doesn't address hidden water damage if it exists

Best for

  • Frames in good structural condition
  • No visible rot or water damage
  • Want a faster, more affordable upgrade
  • Not replacing siding

New Construction (Full-Frame) Windows

Also called full-frame replacement

New construction windows involve removing the entire existing window frame down to the studs and installing a completely new window system, including fresh flashing, weather-resistant barrier integration, and new exterior trim or siding.

Pros

  • Full structural replacement
  • Allows resizing and redesign
  • Fresh flashing and waterproofing
  • Identifies and fixes any hidden frame rot
  • Cleanest interior and exterior finish

Considerations

  • Higher cost (40–60% more than inserts)
  • Requires exterior work (siding, trim, flashing)
  • Longer installation timeline
  • More interior disruption (interior trim replaced)

Best for

  • Replacing siding in the same project
  • Existing frames are rotted or damaged
  • Want to enlarge or reshape openings
  • Full exterior transformation
Decision framework

Which Option Should You Choose?

If three or more of the boxes below describe your situation, you've got a clear answer.

Choose Insert (Replacement) Windows If:

  • Your existing window frames are solid with no rot, water damage, or soft spots
  • You want the most cost-effective upgrade
  • You're not replacing siding right now or in the near future
  • You're not planning to change window size or style
  • You want a fast, low-disruption project (1–2 days)
  • The home has been well-maintained with no obvious moisture issues

Choose New Construction (Full-Frame) Windows If:

  • You're already replacing siding (ideal timing — see next section)
  • Frames show rot, water damage, or significant age
  • You want to enlarge openings or change window styles
  • You're doing a full exterior transformation or major remodel
  • Inspection has revealed hidden moisture damage
  • You want the cleanest possible finish and longest-lasting installation
The biggest decision driver

The #1 Factor: Are You Replacing Siding?

Of every variable in this guide, this is the one that most often changes the answer. If siding is also coming off, full-frame goes from "more expensive" to "the right call."

Why doing siding + windows together makes financial sense

  • Siding removal exposes the window frame. The crew has to handle the area around your windows anyway — that's labor you're paying for either way.
  • Proper flashing and waterproofing become possible. Full-frame installation lets us install fresh self-adhesive flashing, integrate it with the new weather-resistant barrier, and tie everything into the new siding correctly. Insert installation can't do that.
  • You avoid paying for the same work twice. Doing siding now and windows in 2 years means cutting and re-flashing the same openings twice.
  • You get a cleaner, integrated system. New siding paired with old window frames almost always shows the seam. New siding with full-frame windows looks finished from day one.
  • Combined projects can save 20–30% versus doing them sequentially.
Rule of thumb: if you're planning siding within the next 24 months, talk to your installer about doing both projects together. The math almost always favors combination. Exteriors by Global Home bundles siding and window projects regularly — the combined timeline is shorter, and long-term performance is better.
Resizing & redesign

Changing Window Size or Shape

Only possible with full-frame (new construction) installation. Here's what's involved and what it typically costs.

ModificationWhat's InvolvedTypical Cost Adder
Expand a small windowCut framing, header adjustments, exterior wall modifications$1,000 – $2,000+ per opening
Add a picture windowCombine two openings or enlarge one$1,500 – $3,000+ per opening
Convert double-hung to casement or sliderFrame adjustments + new rough opening dimensions$500 – $1,500+ per opening
Create an open-concept view (bay or bow)Major framing work, possibly structural header changes$3,000 – $8,000+ per opening

Cost adders depend heavily on what's behind the existing wall (insulation, electrical, plumbing, structural members) and your exterior material. A free in-home assessment will identify these variables before you commit to a budget.

Exterior material matters

Exterior Considerations by Material

The exterior of your home — brick, stucco, or vinyl siding — significantly affects the cost and method of new construction window installation. Here's what to expect.

🧱

Brick Exterior

Brick is the most rigid and structurally invasive material to modify. Removing brick or enlarging openings requires careful cutting, structural support for the brick above the opening, and detailed re-sealing.

New construction is possible with brick — but expect a meaningful cost increase compared to vinyl-sided homes. For sound frames, insert installation is often the smarter choice on brick exteriors.

More complex · Higher cost
🧊

Stucco Exterior

Stucco is labor-intensive to remove and repair, with a real risk of cracking during the work. Cuts must be precise, and patching to match existing texture and color is a skilled job.

New construction in stucco homes can significantly increase total project cost. If you're considering windows on a stucco home, ask your installer about combining the project with stucco remediation if needed.

Labor-intensive · Crack risk
🏠

Vinyl Siding Exterior

Vinyl siding is the most flexible and cost-effective scenario for new construction window installation. Siding panels remove cleanly, allow full access to the rough opening, and reinstall without special handling.

This is the ideal scenario for combining a siding replacement with full-frame windows — the work integrates naturally and the cost-savings of doing both together are largest.

Most flexible · Best value
Interior considerations

Extension Jambs: What They Are and When You Need Them

Extension jambs are the trim pieces that fill the gap between the new window frame and the finished interior wall surface. They're almost always required with new construction (full-frame) installation because the new window frame sits inside the rough opening — not flush with the interior wall.

When extension jambs are needed

  • Almost all new construction (full-frame) installations
  • Homes with thick walls (deep window openings)
  • Custom interior finishes that require a specific trim depth
  • Older homes with non-standard wall thicknesses
Extension Jamb OptionCost ImpactWhat You Get
Standard jamb extensionsIncluded / MinimalPaint-grade trim ready for finish
Stained or wood finish+ AdderReal wood or wood-grain that matches existing trim
Custom trim packages++ SignificantSpecialty profiles, casing combinations, custom millwork
Code & waterproofing

Flashing & IRC Code Requirements

Flashing is what separates a window installation that lasts 30+ years from one that develops hidden water damage in 5–10 years. It's also required by code at every exterior opening.

Flashing is a waterproof barrier installed around window and door openings to direct water away from the wall system. It's installed at sills, jambs, and headers, and integrated with the home's weather-resistant barrier (WRB) or house wrap. A professional flashing system uses self-adhesive flashing tape, formed sill pans, and properly lapped sequences so any water that gets behind the siding drains harmlessly to the exterior.

What the International Residential Code (IRC) requires

Under IRC Section R703.4 (and R703.8 in newer editions), flashing is mandated at all exterior openings to prevent moisture from entering the wall system. Windows and doors must also be certified per AAMA/WDMA/CSA 101/I.S.2/A440 — a standard that includes wind-pressure and water-leakage criteria. The code applies to insert and full-frame installations alike, but only full-frame installations give the installer access to do this correctly.

R703.4 IRC section mandating flashing at exterior openings
AAMA 101 Window certification standard for wind and water resistance
2009 Year kickout flashing was added to IRC requirements
2021 IRC update raising exterior insulation requirements for Climate Zones 4 & 5

A proper flashing sequence includes

  • Sill pan flashing. A waterproof tray at the bottom of the rough opening that catches any moisture and drains it out.
  • Jamb flashing. Self-adhesive tape sealing the vertical sides of the opening.
  • Head flashing. Metal or flexible drip cap at the top that directs water away from the wall.
  • WRB integration. The home's house wrap or weather-resistant barrier is lapped correctly over the head flashing so water sheds outward.
  • Kickout flashing where roof eaves meet vertical walls near windows (required by IRC since 2009).
Why this matters for your decision: insert installation can't redo the original flashing — it relies on whatever was installed when the home was built. Full-frame installation gives the contractor access to install a complete, current-code flashing system. If your home was built before modern flashing standards or has any visible water staining around windows, full-frame is the better long-term call.
Real-world scenarios

Typical Project Scenarios

Three common situations and the right installation method for each.

Scenario 1: Windows Only Upgrade

Your existing siding is in good shape and you have no plans to replace it. Window frames are sound. You want to update windows for energy efficiency, appearance, and operation.

Best choice: Insert (replacement) windows. Lower cost, faster timeline, minimal disruption.

Scenario 2: Siding + Windows Together

You're planning a siding replacement and recognize that doing windows in the same project is more efficient. You want a cohesive exterior with proper flashing and current-code waterproofing.

Best choice: New construction (full-frame) windows. The combined project saves money and delivers a fully integrated exterior.

Scenario 3: Major Home Upgrade

You're enlarging window openings, changing styles, fixing damaged frames, or doing a full architectural remodel. Or you've discovered water damage that an insert can't address.

Best choice: New construction (full-frame) windows. It's the only method that supports resizing and replacing damaged framing.
Decision process

5 Questions That Determine the Right Installation Method

Walk through these in order. By question 5, you'll have a clear answer.

Inspect the frames

Are your existing frames solid, square, and free of rot or water damage? If yes, inserts are viable.

Siding plans?

Are you replacing siding now or in the next 24 months? If yes, lean toward full-frame.

Change openings?

Do you want to resize, reshape, or change window styles? If yes, full-frame is required.

Check the exterior

Vinyl siding is cheapest to work with. Brick and stucco add cost and complexity — factor that in.

Compare quotes

Confirm whether each quote is insert or full-frame. Apples-to-apples comparison matters.

Not Sure Which Installation Method Is Right?

A free in-home estimate inspects every window individually and recommends the best method for each opening — inserts where frames are sound, full-frame where it makes sense. You get a written line-item quote so you can compare confidently.

✓ Free in-home consultation  ·  ✓ Marvin Authorized Dealer  ·  ✓ Platinum+ Workmanship Warranty

Service area

Window Installation Near You

Exteriors by Global Home handles both insert and full-frame installation across eastern Pennsylvania, New Jersey, and Delaware — with the licensing and code expertise required for each township.

Townships we install in

Pennsylvania

  • Philadelphia
  • Main Line (Bryn Mawr, Wayne, Berwyn)
  • Blue Bell & Plymouth Meeting
  • Doylestown & Buckingham
  • New Hope & Yardley
  • King of Prussia
  • West Chester & Chadds Ford
  • Reading & Lancaster
  • Allentown & Bethlehem
  • Lehigh Valley

New Jersey

  • Cherry Hill & Marlton
  • Princeton & Lawrenceville
  • Moorestown & Medford
  • Mount Laurel & Voorhees
  • Haddonfield & Collingswood
  • Hamilton & Trenton

Delaware

  • Wilmington & Hockessin
  • Newark & Bear
  • Middletown & Smyrna

See the full service area →

Common questions

FAQs About Window Installation Method

The 18 questions homeowners ask us most often about installation method, code, and project scope.

What's the difference between replacement and new construction windows?

Replacement (insert) windows fit inside your existing window frame — the original frame stays in place and a new window unit is fitted within it. New construction (full-frame) windows involve removing the entire existing frame down to the studs and installing a completely new window system. Insert installation is faster and cheaper; full-frame allows for resizing and full structural replacement.

Which costs more — insert or full-frame installation?

Full-frame (new construction) installation costs roughly 40–60% more than insert installation for the same number of windows. A 5–10 window insert project typically runs $6,000–$15,000; the same project as full-frame runs $10,000–$22,000. Per-window, inserts are $700–$1,400 installed while new construction windows are $1,200–$2,500+.

Should I do windows at the same time as my siding?

If you're replacing siding, doing windows in the same project is almost always the smarter financial and structural choice. Siding removal exposes the window frame, allows for proper flashing and waterproofing, and lets you do full-frame replacement at significantly lower marginal labor cost. Doing them separately means paying for some of the same work twice. Learn more about our siding services →

How long does each installation type take?

Insert (replacement) window installation typically takes 1–2 days for an average home. Full-frame (new construction) installation typically takes 3–5 days because the existing frame must be removed, the rough opening prepared, new flashing installed, and exterior trim or siding integrated. Larger homes or specialty configurations can extend either timeline.

Can I change my window size with replacement (insert) windows?

No. Insert installation uses the existing opening — the size and shape stay the same. If you want to enlarge openings, convert a double-hung to a picture window, or add a bay or bow combination, you need full-frame (new construction) installation. Expect a structural cost adder of $1,000–$3,000+ per opening depending on what's involved.

How do I know if my existing window frames are good enough for inserts?

Solid frames with no soft spots, no visible rot, and no major water staining are good candidates for inserts. Frames that feel spongy when pressed, show rust around fasteners, or have peeling paint on the interior may have hidden damage that should be addressed with full-frame replacement. A free in-home assessment will inspect each opening individually.

What about installing new windows in brick walls?

Brick exteriors add complexity and cost. Cutting through brick to enlarge an opening is technically possible but expensive and structurally invasive. Full-frame installation in brick walls is more costly than vinyl-sided homes because of the careful work required around the masonry opening. Insert installation is often preferred for brick homes when frames are sound.

How does stucco affect window installation cost?

Stucco is labor-intensive to remove and repair, with a higher risk of cracking during the work. New construction installation in stucco homes significantly increases cost compared to vinyl-sided homes. If you're considering windows on a stucco home, ask your installer about scope — the right approach depends on the stucco condition and whether you're also planning stucco remediation.

What are extension jambs and do I need them?

Extension jambs fill the gap between the new window frame and the interior wall surface. They're commonly required with new construction (full-frame) installation, especially in homes with thick walls or custom interior finishes. Standard jamb extensions are typically included or minimal-cost; stained, wood-finish, or custom trim packages add to the project total.

What is flashing and why does it matter?

Flashing is a waterproof barrier installed around window and door openings to direct water away from the wall system. It's installed across sills, jambs, and headers, and integrated with the home's weather-resistant barrier. Proper flashing is what separates a window that lasts 30+ years from one that develops hidden water damage in 5–10 years.

Is window flashing required by code?

Yes. Section R703.4 (and R703.8 in newer editions) of the International Residential Code (IRC) requires flashing at all exterior openings to prevent moisture from entering the wall system. Specific flashing details vary by jurisdiction. Reputable installers in PA, NJ, and DE follow IRC requirements and integrate flashing with house wrap to create a continuous weather-resistant barrier.

Do I need permits for window replacement?

Permit requirements depend on the township. Standard like-for-like insert replacement often does not require a permit. Full-frame installation, enlarging openings, structural modifications, or egress window installation typically do require permits and inspections. Exteriors by Global Home handles permitting across PA, NJ, and DE jurisdictions when required.

What about basement egress window requirements?

Under the International Residential Code, basement bedrooms must have an emergency escape and rescue opening — a minimum 5.7 square feet net clear opening (5.0 sq ft at grade), with at least 20 inches of width, 24 inches of height, and a maximum sill height of 44 inches from the floor. If you're converting a basement to living space, egress windows are typically required and almost always involve full-frame installation.

Will full-frame installation damage my interior walls?

Full-frame installation requires removing the existing interior trim and may disturb a small amount of drywall around the opening. A professional installer will protect interior surfaces, replace trim cleanly, and patch any disturbed drywall as part of the scope. Reputable contractors include this finish work in the quote — confirm what's included before signing.

Can my installer mix insert and full-frame on one project?

Yes, and it's common. Many projects use inserts on most openings where frames are sound and full-frame on specific openings that need resizing, have damaged frames, or are part of a siding integration. A good in-home estimate evaluates each window individually rather than applying one approach across the whole house.

Does Marvin make windows for both installation types?

Yes. Marvin manufactures purpose-built Infinity insert windows for retrofit installation and full-frame new construction windows for siding integration and structural replacement. Both use the same Ultrex fiberglass material and carry the same Limited Lifetime Warranty. Your installer will spec the appropriate product for each opening. For pricing detail, see our Fiberglass Cost Guide.

What does "installed properly" actually mean?

Professional installation includes: a level and plumb installation in the rough opening, proper insulation behind the frame (typically low-expansion foam), a fully integrated flashing system at sill / jambs / head, weather-resistant barrier tie-in, proper exterior caulking, and clean interior trim. Cutting corners on any of these creates drafts, leaks, and shortens window life.

Why is the siding decision so important?

Because installing windows and siding in the same project lets you do full-frame replacement without paying twice for the same labor. The siding has to come off for full-frame, the flashing has to be redone, and the exterior has to be re-finished — all of which are already happening during a siding project. Combining the two often saves 20–30% versus doing them sequentially.

Ready to See Which Installation Method Fits Your Home?

No guesswork. No pressure. A real, line-item price based on each window in your home — typically delivered within one business day.

✓ Free in-home consultation  ·  ✓ Code-compliant flashing  ·  ✓ Lifetime Workmanship Warranty

Sources & references cited on this page

  • International Code Council — IRC Section R703.4 / R703.8 Flashing at exterior openings: up.codes IRC reference
  • U.S. Department of Energy / Pacific Northwest National Laboratory — Building America Solution Center, "Windows and Doors are Fully Flashed": basc.pnnl.gov
  • AAMA / WDMA / CSA 101/I.S.2/A440 — North American Fenestration Standard for windows, doors, and skylights
  • 2021 International Residential Code (IRC) — Climate Zone 4 & 5 exterior insulation requirements
  • JLC / Fine Homebuilding — Kickout flashing IRC code history and best practices: jlconline.com
  • Marvin Windows & Doors — Infinity insert vs. full-frame product specifications: infinitywindows.com

This page is reviewed for accuracy by the Exteriors by Global Home project team and dated for transparency. Last reviewed: May 25, 2026. Contractor licenses: PA #PA008490, NJ #13VH01194900, DE #008490.

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