Whole-house rewire runs $4-$9 per sq ft in 2026, landing most 1,500-2,500 sq ft homes at $8,000-$22,000. Panel upgrade from 100A to 200A service adds $1,800-$4,200. Knob-and-tube replacement in pre-1950 homes runs 20-40% more than standard rewire because of access and restoration challenges. Federal 25C credit does not apply to rewires, but specific heat pump electrical upgrades do qualify.
When rewiring is mandatory
Three triggers force a rewire regardless of preference. Knob-and-tube wiring (pre-1950 homes) is uninsurable in most states — carriers either refuse coverage or demand rewiring. Aluminum branch circuit wiring (1965-1975 homes) has higher fire risk and is similarly flagged by insurers. Cloth-insulated wire past 60 years old has deteriorated insulation and fails inspection at sale. If any of these are in your home, rewiring isn't optional — it's a condition of insurance and sale.
Panel upgrades — why 200A is the new baseline
100A service was adequate for 1970s homes with gas heat, gas water heater, gas range, and minimal electric load. 2026 homes with heat pumps, EV charging, induction ranges, heat pump water heaters, and home office equipment routinely exceed 100A capacity. Upgrade cost: $1,800-$4,200 for 200A panel including meter base and service entrance. 400A service (needed for multiple EVs plus full electrification) runs $6,000-$12,000.
Working electrical without moving out
Whole-house rewire doesn't require vacating the home. Electricians work circuit-by-circuit, maintaining power to unaffected areas. Expect 4-8 hours without power per day, staged through rooms over 3-7 days. Drywall damage is unavoidable — budget $1,500-$4,500 in drywall repair on top of electrical cost. Critical systems (HVAC, fridge, sump pump) can usually be kept on backup circuits or generators during the changeover.