If your home still relies on an outdated, overloaded, or unsafe electrical panel, replacing it isn’t just a smart upgrade — it may be legally required to keep your system compliant and insurable.

But how much should you budget for a panel replacement in 2026?

This guide walks through the real costs Texas homeowners can expect, what factors influence pricing, and how to decide whether a full upgrade is worth it.

Average Cost to Replace an Electrical Panel in Texas (2026)

In 2026, the cost to replace a standard 100- to 200-amp electrical panel in Texas ranges from $2,200 to $3,800, including labor, permitting, and materials.

Here’s a breakdown by service level:

Request an accurate quote through our Electrical Panel Installation service page.

Key Cost Factors in Panel Replacement

A few major variables can shift your final cost up or down:

• Amperage Upgrade: Moving from 100A to 200A adds $500–$1,000 for wiring, meter box changes, and permits
• Existing Panel Condition: If corrosion or scorching is found, remediation adds time and cost
• Wiring Compatibility: Older aluminum or cloth-insulated wiring may need to be replaced for code compliance
• Breaker Count: Larger homes may need 30+ circuit slots, increasing panel size and breaker cost
• Utility Coordination: Some upgrades require utility disconnect/reconnect fees

For homes with older or mixed wiring types, visit our Electrical Installation and Repair page for full-service updates.

When You Might Need a Panel Upgrade

You should strongly consider a panel replacement if:

• Your current panel is 30+ years old
• You have frequent tripped breakers or flickering lights
• You’re adding high-demand appliances (EV charger, hot tub, solar)
• Your insurance provider flagged your panel (Zinsco, Federal Pacific, etc.)
• Breakers feel hot or are discolored

Need diagnostics before deciding? Schedule a visit through our Electrical Troubleshooting and Repair page.

Main Panel vs Subpanel: What’s the Cost Difference?

• Main Panel (entire home service): $2,500–$3,800
• Subpanel (added circuits for garages, additions): $900–$1,500
• New Construction Combo Panel: $3,000–$4,500+

Subpanels are a cost-effective way to expand circuit capacity without rewiring your whole home.

Need to add circuits for a remodel or detached unit? Visit our Electrical Panel and Breaker Services page.

Permits, Inspections & Code Compliance

In Texas, panel replacements often require:

• Electrical permits
• City or county inspections
• Load calculations
• GFCI and AFCI protection where applicable

These aren’t optional — skipping them could void insurance or resale compliance.

Our licensed electricians handle all permitting and inspection scheduling as part of the panel replacement process.

Can You Finance a Panel Replacement?

Yes. Many homeowners in Texas choose to finance panel upgrades through energy-efficiency or electrical improvement programs. Options may include:

• Low-interest financing through utility partners
• Deferred interest payment plans
• Bundling with whole-home electrical or HVAC upgrades

Regional Pricing Differences Across Central Texas

Need help estimating your monthly cost? Use our Electrical Cost Calculator for quick estimates.

Final Thoughts: Replace for Safety, Upgrade for Value

If your panel is outdated, underpowered, or unsafe, replacement isn’t just a repair — it’s an investment in your home’s safety, efficiency, and future functionality.

Delaying replacement could put your home at risk for:

• Electrical fires
• Tripped breakers during high usage
• Denied insurance claims
• Failed real estate inspections

Ready to Estimate or Schedule Your Panel Upgrade?

Use our Electrical Cost Calculator to estimate your replacement budget today.

Or contact our team directly via the Electrical Panel Installation page for fast scheduling and expert service.