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Why get insulation?

  • Improve your home's thermal efficiency
  • Save on your energy bills
  • Slash your carbon footprint

Loft insulation costs 2024

  • Installing insulation in your loft can cut your energy bills and increase the value of your property by 16%
  • There are four main types of loft insulation, with blown fibre being the priciest 
  •  Loft installation generally takes less than a day to install
  •  Loft insulation should pay itself off within two years, through savings on bills

Effective loft insulation can save you a lot of money on your household energy bills. Measures such spray foam insulation cost £20-£50 per square metre, but it’s not the only solution out there.

Regardless of what type you choose, a bonus is that insulation generally pays for itself after about two years. 

Here, we explain the main factors involved and what you need to consider.

If you’re interested in insulating your loft, just enter a few details here and we will put you in touch with expert installers who will be able to provide more detailed advice.

Someone stood in a light loft with windows installing roof insulation panels

How much does loft insulation cost?

House sizeBlanket insulationLoose fill insulationSheet insulationBlown fibre insulationLabour costsTime required






£150–£400 per day

3–4 hours






£150–£400 per day

3–4 hours






£150–£400 per day

4–6 hours





Around £3,588

£150–£400 per day

4–6 hours

The cost of installing loft insulation can vary extensively, depending on the size of your house and the type of loft insulation you install.

There are four types of materials you can use, which can impact insulation costs dramatically. The other main factor is the amount of roof space you have in the loft.

The average cost of loft insulation, per square metre, in the UK is £5 per m² for blanket insulation, £7.50 per m² for loose-fill insulation or around £55 per m² for blown-fibre insulation. These costs include installation.

The average labour costs are between £150 and £300, but they may be even more for blown fibre installation because of the type of specialist equipment that is used.

How can I cut the cost of loft insulation?

One of the best ways of reducing the cost is to shop around, gathering a number of quotes before you decide which installer to use. Comparing quotes could save you up to 40% on the final cost.

Want to learn more about loft insulation? Head to our page: The Ultimate Guide to Loft and Roof Insulation.

What affects the cost of loft insulation? 

The two main factors are the type of insulation and the amount of roof space to cover.

There are a variety of other factors which may affect the cost of installation. Ease of access, removal of the existing insulation, moving electrical wiring and whether or not a loft hatch or ladder needs to be installed are some of these.

If you wish to use the loft for storage, this will require the laying of boards on top of the joists.

However, since the boards can’t be laid on top of the insulation material (because they compress it), the boards will need to have a built-in insulation layer.

Something else to consider is how much space you have and how much insulation you want or need. Current government guidelines recommend a depth of between 250mm and 270mm.

A further factor to consider is that since insulation keeps the heat in the rest of the house below the loft, the loft itself will be fairly cold and that means any pipes running through the loft will also have to be insulated.

Re-routing wires will require an electrician, again adding to the cost. Leaky roofs will also have to be repaired before the installation of the insulation material.

Additionally, some mortgage lenders will not lend on houses with spray foam insulation, as there is a danger of this material causing condensation and restricting the airflow. This in turn may weaken the roof supports or rot them.

How much money will loft insulation save me?

Loft insulation will bring financial benefits within about two years of installation. The Energy Saving Trust estimates that loft insulation can save you about £150 per year, as well as adding 16% to the value of the house.

You can find out more about savings on our Home Insulation Costs page.

Installer dressed in white overalls sits down to install spray foam insulation in a hard-to-reach area

What kinds of loft installation can I get?

There are four main types of loft insulation – blanket insulation, loose fill insulation, sheet insulation and blown fibre insulation.

Blown fibre insulation tends to be the most expensive. The insulation should be at least 270 mm thick, whatever the material used, which may be made from fibreglass, mineral wool, sheep’s wool, cellulose or various other materials.

Blanket insulation is the easiest to install and for that reason is suitable for DIY projects. It’s usually available in rolls costing £20 each. These can simply be rolled out between and over the roof joists.

Each roll generally covers around 8 m². However, some of the materials involved are skin irritants, so it is advisable to wear protective clothing and gloves. An exception is sheep’s wool, but it tends to be more expensive. Blanket insulation can also be difficult to lay in tight spaces.

Loose fill insulation is a good way of filling in small gaps between the roof joists. It is also a good way of adding to existing insulation. However, the material can come loose in draughty lofts and it requires protective clothing to install.

Sheet insulation consists of firm boards used for insulating the underside of the roof. They are made from either synthetic or natural materials and are highly effective. They can also be painted over if you want to decorate the loft space.

However, as with blown fibre insulation, sheet insulation does tend to be more expensive.

Blown fibre insulation consists of a layer of material that is sprayed from specialist machinery. This means it can be installed quickly by professional installers.

It is an ideal material for tight spaces and it is light and easy to handle. However, professional installers will add to the cost (at least £400). It is also not suitable for draughty lofts.

Which type of loft insulation is right for me?

If the loft is easy to access and there are no pipes or wires running through it, installing loft insulation should be relatively easy and cheap, using rolls of blanket insulation, without the need to call in a professional.

If the loft is not particularly easy to access and there are tight spaces within it, blown fibre insulation may be the better option, but this is expensive and needs a professional to install it.

Are there any government grants for loft insulation?

The main government grant for loft insulation is the Energy Company Obligation (ECO) scheme. This requires energy suppliers to help customers improve the energy efficiency of their homes. Depending on your personal circumstances, this scheme could provide up to 100% of the costs for purchase and installation.

However, in order to be eligible for this scheme, you must be in receipt of certain benefits, such as Pension Credit, Working Tax Credit, Income Support or Jobseeker’s Allowance and have an annual income of less than £31,000.

Applicants apply for the scheme through their installer.

Want to explore more insulation grants? Check out our page on Government Grants for Insulation.

How long does loft insulation take?

Most loft insulation takes less than a day to install, especially when installed by a professional installation company. This might take longer if you opt for a DIY insulation project – but we wouldn’t advise going down that route.

When does loft insulation need replacing?

Loft insulation needs replacing when it is in poor condition or is in the form of a dangerous material, such as asbestos.

How do I get started?

  • Check to see if you already have loft insulation, what material is and what condition it is in. If it is asbestos, it will have to be removed, and that will add to the cost.
  • If it is not asbestos and is in good condition, it might be a good idea to just top it up (for example with loose fill insulation), which will save on the cost.
  • Check your roof space for draughts. If the loft is draughty, this will affect your choice of insulation type.
  • Think your home could benefit from an extra layer of warmth? Pop your details here and we will put you in touch with expert installers who will be able to provide their best prices for spray foam insulation.


  • Effective loft insulation can save on household energy bills, and it should pay for itself within two years.
  • The two biggest factors are the type of loft installation and amount of roof to cover.
  • Average labour costs are between £150 and £300.
  • The main government grant for loft installation is the ECO4 scheme.
Written by:
Robin Whitlock is a freelance journalist based in the South West of England, UK. He began writing about renewable energy in 2010, adding content to various solar panel comparison websites, and has been a correspondent for Renewable Energy Magazine since 2011. He has also written articles and news pieces for a variety of other publications and websites, including The Ecologist and Renewable Energy Focus. Robin is a graduate with a BA(Hons) 2/1 in Psychology and English Literature.
Reviewed by:
Max joined The Eco Experts as content manager in February 2024. He has written about sustainability issues across numerous industries, including maritime, supply chain, finance, mining and retail. He has also written for  City AM, The Morning Star and the Daily Express.
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