Why Two Siding Quotes on the Same House Can Differ by Thousands
If you've called around for siding quotes in Whatcom County, you've probably noticed the numbers don't line up. One contractor quotes a number that seems reasonable, another comes in dramatically lower, and a third is well above both. This isn't because someone is trying to rip you off — siding pricing depends on a long list of variables, and different contractors weigh them differently, use different materials, and plan for different amounts of the unexpected.
The goal of this page isn't to hand you a price per square foot and send you on your way. It's to walk through what actually drives siding replacement cost, so you can look at any quote you receive — from us or anyone else — and understand what's really being priced.

The Core Cost Factors
Every siding project is built from the same handful of variables. How much each one costs depends on your specific house, but these are the categories that matter.
| Factor | Why It Matters |
|---|---|
| House size and shape | More square footage means more material and labor; complex rooflines, dormers, and bump-outs add cutting and detail work that a simple rectangular house doesn't require |
| Number of stories | Second and third stories require scaffolding or lift equipment and slow down the crew, which adds labor cost beyond just the extra square footage |
| Siding material chosen | Material cost per square foot varies significantly between vinyl, engineered wood, and fiber cement, and installation labor rates differ too |
| Tear-off and disposal | Removing old siding, especially layered-over siding or siding with hidden rot, takes more time and adds dump fees |
| Condition of the sheathing underneath | Rot, water damage, or inadequate weather barrier found once old siding comes off often needs repair before new siding goes on |
| Trim, corners, and accessories | Windows, corner posts, fascia, soffit work, and any trim replacement add up separately from the flat wall area |
| Paint or factory finish | Field-painted materials need paint and labor as a separate line item; factory-finished products build the cost of the finish into the material price |
Square Footage Is a Starting Point, Not the Whole Story
Square footage tells you roughly how much material a job needs, but it doesn't tell you how complicated the labor is. A single-story ranch with flat walls and few windows is a different job than a two-story home with gables, multiple roof planes, and a lot of trim detail — even if the total wall area is similar. That's why an accurate quote requires someone to actually walk the house, not just plug a square footage number into a formula.
What Siding Materials Cost — and Why the Comparison Isn't Just Price Per Square Foot
Homeowners in Lynden typically end up comparing vinyl, engineered wood products like LP SmartSide, cedar, and fiber cement. Here's the honest picture of how they stack up, not just on sticker price but on what you're actually paying for over time.
| Material | Upfront Cost | Ongoing Cost |
|---|---|---|
| Vinyl | Lowest material cost | Fades and can look brittle after years in sun and cold; dents and cracks in impacts; not repainted, so appearance is fixed for the life of the product |
| Engineered wood (LP SmartSide and similar) | Mid-range | Wood-based core makes it sensitive to moisture at cut edges and joints if installation and caulking aren't kept up; typically needs repainting on a cycle |
| Cedar | Higher, especially for clear grades | Requires ongoing staining or painting, and in our wet climate is prone to moss, mildew, and swelling if maintenance lapses |
| Fiber cement (James Hardie) | Mid-to-higher material cost | Factory-applied ColorPlus finish holds color for years without repainting; non-combustible and dimensionally stable, so lower long-term upkeep |
We only install James Hardie fiber cement siding, so we're upfront that we have a point of view here. But the reasoning isn't marketing — it's what we've seen happen to homes over years in this specific climate. Whatcom County gives siding a rough ride: salt air off the coast, driving rain that gets pushed sideways against walls in winter storms, and a long stretch of the year where moss and algae have every opportunity to take hold on anything that stays damp. Materials with wood content or field-applied paint have more failure points in those conditions than a factory-finished cement product does.
The Hidden Costs Homeowners Often Miss
The number on a quote is rarely the whole story. These are the costs that show up mid-project or get left off cheaper bids entirely.
- Rotted sheathing repair: Once old siding comes off, a contractor may find soft or rotted OSB or plywood underneath, especially around old window flashing or areas that have taken years of wind-driven rain
- Water barrier and flashing upgrades: Homes built or re-sided decades ago may be missing modern house wrap or proper window flashing, which good contractors won't skip even if it's not in the original quote
- Permit fees: Whatcom County and City of Lynden permitting requirements vary by scope of work and should be confirmed, not assumed
- Disposal fees: Tear-off debris has to go somewhere, and dump costs scale with how much old material comes off the house
- Trim and detail carpentry: Rotted fascia boards, window trim, or corner boards found during the job add cost if they weren't accounted for upfront
- Paint or caulk maintenance down the road: Any material that isn't factory-finished will need a maintenance budget for years two, five, and ten that a lower upfront quote doesn't include
A quote that seems unusually low compared to others is often low because it assumes none of these will come up — not because the contractor found a way to do the same work for less.
How the Climate Here Changes the Math
Cost factors aren't identical everywhere. A house in a dry inland climate can get away with more maintenance gaps than a house in Lynden. Sitting inland from Bellingham Bay but still well within reach of marine air, homes here deal with salt-laden moisture, heavy winter rain systems moving in off the water, and long gray stretches where surfaces don't fully dry out for weeks. That combination is exactly what accelerates moss growth, softens wood-based products at their weak points, and strips paint faster than it would in a drier region.
Practically, that means:
- Wood-based and field-painted sidings need shorter maintenance cycles here than the manufacturer's general guidance might suggest for a national average climate
- North-facing and shaded walls — common on wooded Whatcom County lots — stay damp longer and are the first place moss and mildew show up
- Caulking and joint sealing on any product need more frequent inspection because our rain comes with wind that drives water sideways into seams
None of this means siding fails quickly here — it means the maintenance and long-term cost side of the equation matters more here than it would in a milder climate, which is part of why we point clients toward a factory-finished, moisture-resistant product rather than something that depends on a homeowner keeping up with paint and caulk on schedule.
Labor Quality Affects Cost Just as Much as Material
Fiber cement, engineered wood, and even vinyl all perform differently depending on whether they're installed to manufacturer specification. Improper nailing, missing flashing, wrong fastener spacing, or skipped clearances at grade can shorten the life of any siding product regardless of what it's made of. A lower labor bid sometimes reflects a faster install pace, which increases the odds of these details getting missed. That's not a reason to always choose the highest bid — but it is a reason to ask specifically how a crew handles flashing, joints, and clearances, not just what the per-square-foot labor rate is.
What to Ask For in a Quote
Whatever material or contractor you're considering, an accurate, comparable quote should include the following. Use this as a checklist against any bid you receive:
- A written scope that specifies the exact material, product line, and finish — not just "siding"
- Whether tear-off and disposal of the existing siding is included
- Whether house wrap or weather barrier replacement is included, and under what conditions sheathing repair would be an added cost
- Trim, corner, and soffit/fascia work spelled out separately from wall siding
- Whether the quote includes paint, or is based on a factory-finished product that doesn't need it
- Warranty terms in writing — both the manufacturer's material warranty and the contractor's labor warranty
- Whether permits are pulled by the contractor or the homeowner, and who is responsible for permit fees
Thinking in Total Cost of Ownership, Not Just the Invoice
The most useful way to compare siding options isn't the number on day one — it's what you'll have spent, in money and attention, ten or twenty years out. A cheaper material that needs repainting every five to seven years, or that develops moisture problems at joints in a wet climate, can cost more over time than a higher upfront material that holds its finish and resists moisture without regular intervention. That's the calculation behind our decision to install only James Hardie fiber cement: it's engineered specifically for wet, coastal-influenced climates like ours, carries a factory finish that's warrantied against fading, and doesn't feed moss and mildew the way wood-based products can if maintenance slips.
If you're weighing a siding replacement on your Lynden home and want a straight answer on what your specific house would actually cost — not a generic per-square-foot number — we're happy to come take a look. There's no pressure and no obligation, just an honest assessment of your walls, your trim, and what a properly installed, correctly specified job would run.
Lynden Siding