Commercial vs Residential Markup Calculator
See what you should charge for commercial work — and how much more profit you’ll make.
Why commercial markup is higher
- More insurance, bonding, and compliance. Commercial jobs require higher liability limits and often need performance bonds. That costs money.
- Net terms require float.You’ll usually get paid on net-30 or net-60 terms. That means you’re covering materials and labor out of pocket for a month or two.
- Larger scope means more coordination. Commercial projects involve more scheduling, permitting, and project management overhead.
- But recurring contracts make up for it. One commercial client can mean steady monthly work. No more one-off jobs with strangers from the internet.
Commercial projects average 10–15% net profit margin vs 8–12% for residential (ServiceTitan, Build-Folio).
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