Water Heater Size & Cost Calculator

Tank gallons and first-hour rating, or tankless GPM and BTU, sized to your household — plus every install part and the cost.

Water Heater Calculator — project drawing PROJECT DRAWING INTERIOR & FINISHING Water Heater Calculat… RECOMMENDED TANK SIZE 40 gal (FHR 56) HOUSEHOLD 3 occupants, 2 full b… FIRST-HOUR RATING 56 gal FUEL Natural gas / propane DIFFICULTY Intermediate BUILD TIME ½–1 day EST. MATERIALS $786–$1,064 MyBuildPlanner
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Water Heater calculator

Water heater type
Fuel
Advanced optionsfine-tune the details…
Venting
Code items

Estimates are planning aids, not a professional quote. Double-check quantities and product coverage — and any local code or permit requirements — before you buy.

Estimated materials$786–$1,064
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PROJECT SUMMARY

Water Heater project summary

Recommended tank size40 gal (FHR 56)
Household
3 occupants, 2 full baths
First-hour rating
56 gal
Fuel
Natural gas / propane
Type
Storage tank
Expansion tank
Included
Difficulty
Intermediate
Build time
½–1 day
Estimated materials
$786–$1,064

Cost breakdown

Material only · national-average rates
Plumbing & Heating$786–$1,064
Total$786–$1,064

Excludes tools, delivery, tax and permit fees. Labor not included — this is a DIY materials estimate.

Shopping list

Every item · grouped by store section

These are affiliate links: we may earn a commission if you buy through them, at no extra cost to you. It never changes what the calculator recommends — the shopping list comes from your dimensions, not from what pays.

Plumbing & Heating

Tools

✓ required · ○ helpful
  • Pipe wrench set — disconnecting and setting supply and vent fittings
  • Tubing cutter — cutting flex and rigid supply lines to length
  • Propane torch or press-fit tool — soldering or pressing copper connections
  • Adjustable wrench
  • Channel-lock pliers
  • Wet/dry shop vac — draining the old tank and cleaning up the install area
  • Voltage tester — confirming the circuit is dead before any wiring work
  • Level — setting the new unit plumb before final connections
  • Pipe thread sealant / tape

Project notes

  • This is a planning estimate, not a room-by-room or fixture-by-fixture engineered sizing. Tank sizing follows the same shape as the household-size charts most manufacturers publish (first-hour rating against occupants and bathrooms); tankless sizing follows the standard rule of thumb that BTU/hr load equals GPM times temperature rise times 500. Both get you to the right equipment class for budgeting and shopping, not a substitute for the installer's final spec check.
  • First-hour rating, not raw tank gallons, is what actually predicts whether the household runs out of hot water — a taller, better-insulated 40-gallon tank with a strong recovery rate can outperform a squat 50-gallon tank with a weak burner. This calculator reports both the gallon size and the FHR it implies so you can compare across brands on the number that matters.
  • Tankless output derates hard as the temperature rise climbs, which is why groundwater temperature drives the sizing here as much as fixture count does. The same unit that comfortably supplies a house in a warm-groundwater climate can fall well short in a cold one, because it has to work harder per gallon to hit the same 120°F setpoint — that's the real reason a tankless unit sized for a neighbor's house two states south may not keep up at home.
  • An expansion tank, correctly sized T&P discharge piping, and dielectric unions between dissimilar metals are code requirements in most jurisdictions, not optional upgrades — skipping them is the fastest way to fail a final inspection or find a slow leak at the relief valve months later. Pull a permit; most areas require one for a water heater replacement regardless of whether it's a straight swap.
  • Gas line and 240V circuit work should go to a licensed plumber or electrician if you're not confident doing it yourself and having it inspected — a gas leak or a miswired disconnect isn't a mistake you get to notice slowly. Budget for old-unit drain-down, disposal, and a combustible-gas leak check on the new connection before you close everything up.

About this calculator

How to estimate a water heater

The Water Heater Calculator sizes the unit itself before pricing anything around it. Enter how many people live in the house and how many full bathrooms draw hot water at once, and it works out whether a storage tank or a tankless unit fits the demand — a tank's gallon size and first-hour rating, or a tankless unit's gallons-per-minute output at your groundwater's actual temperature rise, which is the number that decides whether a tankless model can really keep up.

Every water heater replacement carries the same overlooked parts: an expansion tank sized to the unit, a drain pan and pan line if it sits above living space, T&P discharge piping, flex connectors, dielectric unions between dissimilar metals, and either a gas vent run or a dedicated electric circuit. Choose gas or electric and the parts list, venting, and cost estimate all update together, so nothing gets left off the shopping list on install day.

Step by step

How to replace a water heater

A step-by-step walkthrough to go with your plan above. Follow the product instructions and any local code or permit requirements as you work.

  1. 1

    Shut off water, fuel and power

    Close the cold supply valve, shut off the gas cock or breaker, and for gas units kill the pilot or control valve. Confirm everything is off before touching any connection.

  2. 2

    Drain the old unit

    Connect a hose to the drain valve and empty the tank to a floor drain or outside, opening a hot tap upstairs to break the vacuum. A tankless unit just needs its isolation valves closed and any residual water in the lines released.

  3. 3

    Disconnect and remove

    Cut or unscrew the water, gas, and vent connections, then haul the old unit out — tanks are heavy and awkward on stairs, so plan the route and a second set of hands before you start.

  4. 4

    Set the new unit

    Level a tank on its pan, or mount a tankless unit to the wall per its clearance and venting requirements. Confirm the pan and drain line are in place before the unit goes on top of them.

  5. 5

    Make the water connections

    Install the dielectric unions, flex connectors, and expansion tank on the cold supply, then connect the T&P discharge piping down to within 6 inches of the floor or a drain.

  6. 6

    Vent and connect fuel or power

    Run and seal the gas vent to code, or land the 240V circuit on its own breaker for electric — this is the step worth hiring out if you're not confident with gas or panel work.

  7. 7

    Fill, purge air, and check for leaks

    Open the cold supply, open a hot tap until the air stops sputtering out, then check every new connection for weeping or hissing before closing anything up.

  8. 8

    Set the temperature and commission

    Set the thermostat or control to 120°F, confirm the pilot or ignition cycles correctly, and run a full sink and shower cycle to check delivered temperature and flow before calling it done.

Equip the job

Recommended gear for this build

Hand-picked categories that match the shopping list above. Links open a current selection so you can compare brands and prices.

These are affiliate links: we may earn a commission if you buy through them, at no extra cost to you. It never changes what the calculator recommends — the shopping list comes from your dimensions, not from what pays.

Plumbing & Heating50-gallon gas storage water heaterThe common middle ground for a 3–4 person household with average simultaneous use.
$750–850
Plumbing & HeatingWhole-house gas tankless water heater (199,000 BTU)Standard whole-house tier that covers most single-family homes outside the coldest climates.
$900–1,050
Plumbing & HeatingThermal expansion tank (2-gallon)Absorbs the pressure spike from thermal expansion on a closed system — cheap and frequently code-required.
$40–55
Plumbing & HeatingTankless isolation valve service kitHose bibs that let you flush the heat exchanger with descaling solution without cutting into the supply lines.
$65–90
ToolsPipe wrench & tubing cutter setCovers disconnecting the old unit and cutting new flex and rigid supply lines to length.
$35–55

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Answers

Frequently asked questions

What size water heater do I actually need?

For a storage tank, size comes from first-hour rating, not raw gallons — how much hot water the tank can deliver in the first hour of heavy morning use, based on occupants and how many bathrooms draw at once. For a tankless unit, size comes from peak simultaneous flow in gallons per minute and the temperature rise your groundwater needs to reach a 120°F setpoint. This calculator runs both paths and recommends the equipment class that fits your household, not just a tank that's 'big enough' on paper.

Should I get a tank or go tankless?

A storage tank costs less upfront, is simpler to install, and tolerates a burst of simultaneous demand by drawing down stored hot water. A tankless unit costs more, needs its own vent or higher-amperage circuit, and never runs out — but its usable flow rate drops as the temperature rise climbs, so a unit that's plenty for a warm climate can fall short in a cold one. Households with steady, predictable use and a lower budget usually do better with a tank; households that want endless hot water and can afford the install usually go tankless.

Why does groundwater temperature matter for tankless sizing?

A tankless unit only has a fixed amount of heating capacity, and it spends that capacity raising incoming water to your setpoint — so a bigger gap between groundwater temperature and 120°F means less flow the unit can deliver at full output. The same model that handles a full house in the South at a 50°F rise may only supply half the flow in the North at an 80°F rise. This calculator uses your selected climate to size the unit against the rise it will actually see, not a manufacturer's best-case rating.

Do I really need a thermal expansion tank?

Yes, on any closed system — and more supplies are closed than homeowners realize, since a check valve or pressure-reducing valve at the water meter closes the system even without a whole-house shutoff installed. Heated water expands, and with nowhere for that pressure to go it repeatedly trips the T&P relief valve, which shortens the tank's life and shows up as an intermittent drip. A small pre-charged expansion tank on the cold supply line absorbs that pressure spike and is inexpensive insurance most jurisdictions require by code anyway.

Why does the tank need a drain pan?

Any water heater installed above living space, in an attic, or over finished flooring is required by most codes to sit in a metal or plastic drain pan plumbed to a safe discharge point, because a slow tank failure otherwise drains straight through the ceiling below. The pan is sized to the tank's footprint and the pan line just needs a gravity path to a floor drain, exterior wall, or condensate line. It's one of the cheapest lines on this list and the one most often skipped on a rushed swap.