Full-Home Window Replacement Costs for Early 2000s Homes in Tampa Bay

I recently did my windows in Pasco County (house built 2004). I went with non-impact vinyl double-pane windows because I already have hurricane shutters for all my openings. I have 10 windows in a one-story house. The total was about $6,200 (approximately $620 per window). Non-impact was definitely cheaper – my quote for impact equivalents would have been about 30% higher.
We made the non-impact choice mainly due to cost and because our home is more inland (plus we have those metal shutters stored in the garage). Code-wise, we had to either install impact windows or show proof of hurricane shutters for the permit. So the contractor included a notation for existing shutters on the permit application. Pasco County inspector did ask to see that we had shutters for the new windows, which we did.

The windows themselves are great – vinyl frames with Low-E glass. Huge difference from our old single-pane aluminum windows that would sweat with condensation. Now no more draft and the house stays cooler. One thing to note: since we didn't go impact, we didn't get any extra insurance break (we already had one for shutters anyway). If budget weren't an issue I might have done impact for convenience, but at least we saved a good chunk of money this way.

We just completed a full window replacement on our 2-story home in Tampa (Hillsborough). We had 18 windows (including a big half-circle foyer window). We gathered multiple quotes and the prices were all over the place. For example:
Renewal by Andersen quoted us about $48,000 (!) for their Fibrex windows (non-impact) – we nearly fell off our chairs at that.

A local company, ProTech Windoors, gave us a quote of $26,500 for high-quality vinyl impact windows (PGT brand).

Another local independent contractor quoted around $22,000 for a mix of impact and non-impact (impact on the front of the house, non-impact on back) but we didn't like the idea of mixing for insurance reasons.

We ended up going with ProTech Windoors at $26.5k for all 18 windows, all impact glass. It wasn't the absolute cheapest, but they had great references and a solid reputation here in Tampa. The installation was done in two days and the quality of work was top-notch. They handled everything: permit, inspections, cleanup. After 4 months since install, we have zero complaints. It's quieter inside, and we feel a lot safer this hurricane season. The huge price difference between quotes taught me that it pays to shop around – and the highest price isn't always the best. ProTech gave us excellent quality for a much saner cost than that Andersen quote.

@jennifer_river Wow, that RBA quote is insane! $48k for 18 windows? That’s over $2.5k per window. I thought my quote was high. I got an estimate from NewSouth Window for about $15k to do 10 windows (non-impact, double-pane) on my place in Clearwater. I'm still shopping around because $1,500 per window for non-impact feels steep to me.
It really shows how much quotes can vary. I'm definitely going to get a couple more bids. Hearing your story, maybe I'll check out some smaller local companies or those mentioned like Karoly or ProTech. NewSouth makes their own windows and they look decent, but the price and the hard sell were a turn-off.

I replaced all the windows in my St. Petersburg home (built 2001) back in 2021. Overall it's been good, but I do have a few lessons learned and minor regrets:
Get multiple quotes: I only got two quotes, and I later found out I overpaid a bit. In 2021 things were crazy (supply chain issues and high demand), so I paid ~$12k for 9 non-impact windows. I think in a normal market it would've been a couple thousand less.

Include everything in the contract: I assumed things like stucco repair and interior trim would be included, but one of my window openings had some wood rot and I got hit with a $400 change order to fix it. I wish I had clarified how such issues are handled up front.

Impact vs Non-impact: I chose non-impact + shutters to save money. It was fine, but putting up shutters for last year's hurricane warning was a pain. In hindsight, I might have splurged on impact glass for the convenience.

Timing: Because I did this in 2021, I waited almost 5 months from order to install (factories were backed up). If you're in a hurry, maybe ask the companies about their current lead times. It might be faster now in 2025.

That said, the new windows (vinyl, double-pane Low-E) are a massive upgrade from the old ones. Just make sure to clarify all details and be patient with the timeline. And definitely shop around more than I did!

@crypto728 I hear you on NewSouth’s pricing. I got a quote from them too when I was shopping around in Pasco. They wanted about $18k for 12 windows (impact) for my house in Wesley Chapel. Ended up going with a smaller local company that did it for $12k with essentially the same specs. NewSouth does have the advantage of making their own windows locally, but their sales tactics and price weren't for me.
Also, to echo others: definitely look at Karoly Windows or ProTech Windoors or other well-reviewed local outfits. Those tended to be more reasonable and customer-service oriented in my experience. Window World is another one that gives low quotes if budget is tight, but I found their quality and options more limited (and they were backlogged at the time).

I’ll share my experience as well. We replaced 20 windows and 2 sliding glass doors in our 2005-built home in Valrico (Hillsborough County). It was a big project. We chose vinyl impact windows for all, plus impact sliding doors, because hurricanes were a major concern (and I hate putting up shutters). Our total cost was around $32,000 for everything.
This was with a local contractor who installed PGT Winguard windows and doors. We financed part of it through a low-interest loan our credit union was offering for hurricane improvements. The breakdown was roughly $1,200 per window and $3,000 per sliding door. Our house is two-story, and the install team actually brought extra guys to handle the big second-floor sliders - those glass panels are heavy!

It took about 3 months from contract to installation. Manufacturing the custom-sized impact windows took about 8-10 weeks, then scheduling and permitting added a few more weeks. Installation took 3 full days for the crew (they did all windows and doors). They had to coordinate with an electrician to reconnect our alarm sensors on the doors too. Cleanup was pretty good - they hauled away the old aluminum windows and even the old sliding doors.

One of the best parts: after everything, our home is noticeably quieter and our energy bills dropped a bit. We also got a wind mitigation inspection done after and our insurance premium went down approximately 15%. That will help recoup some cost over time. It was a lot of money, but given the improvements in comfort, security, and hurricane readiness, we have no regrets.

@elizabethhill590 Thanks for the detailed breakdown. I'm particularly interested in the insurance aspect. How much did your insurance go down after installing all impact windows and doors? I'm in Hillsborough too and debating if the extra cost for impact vs non-impact is worth it. Also, did you consider any other hurricane protection alternatives before deciding on impact (like keeping shutters or doing something like hurricane window film)?

@apollostone369 I can chime in on the insurance question. We did all impact windows (no doors, just windows) in mid-2024 and our homeowners insurance went down about 20%. That was roughly $400 off our annual premium. Not every insurance company gives the same discount, but in Florida, having all openings protected (either impact windows or shutters) qualifies you for the wind mitigation credits. We had shutters before, so we already had some discount, but it increased a bit because now we have "permanent protection" that doesn't depend on us putting up shutters.
That said, I wouldn't justify impact windows purely on insurance savings, because it would take many years of savings to equal the cost. We chose impact for peace of mind and convenience (we can evacuate for a storm without worrying about shutters, etc.). The insurance break is a nice bonus but not a game-changer financially.

As for alternatives: if you already have decent shutters and your windows are in okay shape, some people stick with that. Hurricane window film isn't typically accepted for insurance discounts and won't meet code for window replacement, so we ruled that out. It's really either shutters or impact glass to satisfy code/insurance.

We replaced all the original windows in our 2003-built house in Clearwater last year. We went with non-impact, vinyl, double-pane Low-E windows (since we have hurricane shutters). Total was $9,800 for 11 windows, so about $890 per window on average.
The difference in our daily life has been huge. Our old windows were single-pane aluminum and incredibly drafty. In winter (or what passes for winter in Florida), we'd feel the cold seeping in, and in summer the AC struggled to keep up partly due to all the heat coming through the glass. After installation, the house is much more stable in temperature. I'd say it's one of those quality-of-life improvements you don't appreciate fully until you have it – less outside noise, no drafts, and the AC cycles on less frequently.

We also noticed no more UV fading on our furniture near the windows because of the Low-E coating blocking a lot of the UV. All in all, even though we didn't go for impact glass, the upgrade from 20-year-old builder windows to modern double-pane has been fantastic. We did use a local company (not a big brand name, just a well-reviewed local installer), and they did a solid job including stucco touch-ups and interior trim. My only regret is not doing it sooner!