Whole-home remodeling in South Jersey

Cost vs. Value prices rooms rather than whole houses, and its 2025 Philadelphia market, the closest to Camden County, puts a major midrange kitchen at $81,1211, a midrange bath at $27,7671 and a basement remodel at $52,1991. The local factor is age: 71%2 of Camden County homes went up before 1980, so wiring, piping and plaster tend to grow the scope, and in Haddonfield's historic district even new windows need a certificate of appropriateness.

Calls are recorded. One independent company that handles whole-home remodels in the South Jersey area answers.

Updated October 12, 2026

Illustration of an 1880s clapboard Victorian in Haddonfield's historic district during a whole-house renovation, with its original wood sash windows being restored on sawhorses, the kitchen opened to the studs and a new heat pump unit set beside the old brick chimney.
Illustration

Pricing the rooms one at a time

Cost vs. Value has no South Jersey market. Philadelphia sits just across the Delaware, so its 2025 page stands in here, with the jobs a whole-house plan usually bundles set against the national averages.

MeasurePhiladelphia marketU.S. average
Major kitchen remodel, midrange, job cost$81,1211$82,7933
Midrange bathroom remodel, job cost$27,7671$26,1383
Basement remodel, job cost$52,1991$52,0123
HVAC conversion (electrification), job cost$20,5531$19,4844

Philadelphia sits near the national figure on the kitchen and the basement but runs higher on the bath and the heat pump conversion. Have each room and each system priced on its own line, so one phase can wait a year without reopening the whole contract.

Which decades the walls come from

Camden County's houses run older than Burlington County's next door. Census year-built counts show the postwar building boom and a smaller layer of prewar houses in the older river towns.

MeasureCamden CountyBurlington County
Homes built before 198071%255%2
Homes built 1950–196931%225%2
Homes built before 194017%210%2

A full renovation opens every wall at once. Ask the company to carry allowances for brittle wiring, cracked plaster and steel pipe, rather than treating each discovery as a change order.

Bedrooms to work around

Census bedroom counts show about a quarter of Camden County homes with four or more bedrooms, a smaller share than in Burlington County, where more of the subdivisions are newer.

MeasureCamden CountyBurlington County
Homes with four or more bedrooms24%533%5

In a three-bedroom rancher or bi-level there's rarely a spare room to retreat to. Working one floor, or one end of a rancher, at a time keeps a bedroom and a bath in use.

What heats the house today

The Census Bureau asks what fuel heats each home. Gas heats a slightly larger share of Camden County homes than statewide, and fuel oil is less common here than across New Jersey.

MeasureCamden CountyNew Jersey
Homes heated with utility gas74%673%6
Homes heated with electricity18%616%6
Occupied homes heated with fuel oil or kerosene4%66%6

If yours is one of the oil-heated houses, settle during the renovation whether the boiler and the tank stay. That choice reshapes the basement, the chimney and the electrical service all at once.

The job next to the house's value

Median owner-occupied value from the same Census survey. A plan that reaches every room should be measured against what the whole house would sell for, and Camden County's median sits below Burlington County's.

MeasureCamden CountyBurlington County
Median value, owner-occupied homes$287,1007$354,0007

The Philadelphia kitchen, bath and basement figures alone add up to more than half of $287,1007. Recent sales on your own block are the real ceiling on upscale finishes.

A county loan for failing systems

Camden County's Home Improvement Program, run through the county Improvement Authority, lends to qualifying owner-occupants of single-family homes. This is the most it puts toward the work.

MeasureCamden County HIP
Maximum Camden County Home Improvement Program loan$20,0008

Camden County's Home Improvement Program loans must be used to correct housing code violations that are dangerous or injurious to the occupants; ordinary repairs, home maintenance, cosmetic work and general property improvements aren't eligible.8 On a big renovation it can cover the code repairs, such as a dead heater or unsafe wiring, while you pay for everything else.

The trades a full renovation leans on

BLS reports these medians for the whole Philadelphia–Camden–Wilmington metro, not Camden County alone. Carpenters stay on a whole-house job longest; electricians and plumbers return for rough-in and again for trim.

MeasurePhiladelphia metroUnited States
Carpenters, median hourly wage$29.70/hr9$29.12/hr9
Electricians, median hourly wage$35.86/hr9$30.38/hr9
Plumbers, median hourly wage$35.99/hr9$30.67/hr9

Each trade earns more here than its national median, electricians and plumbers by the most. Getting the rough wiring and piping for several rooms done in one visit trims labor without trimming scope.

Permits

New Jersey's construction code is the same statewide, and your own town's construction office issues the permits; in Cherry Hill, the zoning office signs off on additions and new homes first, then the code office takes the construction application. The Rehabilitation Subcode sorts a renovation by what it changes, and a gut that empties the house counts as a reconstruction that ends with a new certificate of occupancy. Any alteration also brings the smoke and carbon monoxide alarm rules, and the plumbing, electrical and heating work goes in under licensed trades.

  • New Jersey's construction code is the same statewide, with no separate local requirements; municipally employed, state-licensed construction officials and inspectors enforce it, and the owner or the owner's agent, such as the contractor, is responsible for getting the permits.10
  • Cherry Hill's Department of Community Development issues zoning approvals for new homes, additions, decks, fences, pools, patios, sheds and driveways, and once zoning is approved the applicant applies to the township's Code Enforcement/Inspections Department.11
  • New Jersey's Rehabilitation Subcode sorts work on existing buildings by type: renovation removes and replaces or covers existing finishes, trim, doors, windows or other materials, while alteration rearranges space by building walls or partitions or changing a ceiling height.12
  • A project becomes a reconstruction when the work area can't be occupied while the work is under way and a new certificate of occupancy is needed before it can be reoccupied; both conditions must apply, and the code sets no size threshold.12
  • The Rehabilitation Subcode requires smoke alarms in any one- or two-family house that undergoes an alteration, and carbon monoxide detection in buildings that have a fuel-burning appliance or an attached garage.12
  • New Jersey's code allows plumbing, electrical and HVAC work only by people licensed to do it, except a single-family homeowner working on his or her own home, and the licensed contractor's seal and signature go on the matching permit application.13
  • When a home improvement contractor does the work, the contractor's registration number must appear on the permit application; an owner improving a home he or she owns doesn't need to register.13

Checked October 12, 2026

Before you hire

In New Jersey, ask for the company's home improvement contractor business registration number and confirm it's active with the Division of Consumer Affairs, because registering takes proof of at least $500,00027 per occurrence in liability insurance.

How to check a contractor's license in New Jersey

Talk to a pro who handles whole-home remodels in South Jersey

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Taking apart a postwar or prewar house

Nearly a third of Camden County's homes come from two postwar decades: 31%2 were built between 1950 and 1969. In the ranchers, Capes and bi-levels of that era, original wiring, steel pipe and old resilient flooring often survive under later updates. Unless a lead-based paint inspection shows otherwise, the EPA says to treat paint in homes built before 1978 as if it contains lead.14 For homes built before 1978, the EPA advises hiring contractors who use only lead-safe certified renovators.15

Beyond flooring, the EPA lists vermiculite attic and wall insulation, roofing and siding shingles, textured paint and patching compounds on walls and ceilings, and hot water and steam pipes wrapped in asbestos blanket or tape among the places asbestos may be found in a home.16 Having suspect tile, mastic and duct wrap sampled before a demolition date is set keeps a lab result from halting the crew halfway through the week. The EPA advises having an accredited asbestos professional inspect before a remodel that could disturb suspect materials, and not sanding or power-stripping suspect flooring yourself.17

The EPA notes that lead can collect inside galvanized pipe and later reach drinking water, and that solder made before 1986 contained high levels of lead.18 With every wall open, swapping old steel supply lines for new pipe costs a fraction of what it will once the plaster goes back.

Haddonfield's historic district

In Haddonfield's historic district, a certificate of appropriateness is required for demolition, for any exterior improvement to a historic building and for any change in a building's exterior appearance by addition, alteration or replacement; the borough's code counts reroofing, window replacement and repointing as alterations.19 Haddonfield doesn't require a certificate of appropriateness for maintenance and repair of existing windows, doors or roofing in the same material and design, or for exterior painting of existing structures.19

Haddonfield's historic district rules restrict synthetic siding and state that vinyl siding is not an acceptable alternative.19 Haddonfield's Historic Preservation Commission reviews each application and recommends approval, approval with conditions or denial, the Planning Board or Board of Adjustment decides at a public hearing, and the review considers only a building's exterior features.19 Haddonfield's Historic Preservation Commission meets monthly, and applications for a certificate of appropriateness go to the borough's Zoning & Construction Office at Borough Hall.20 Put those hearing dates into the schedule before windows or siding are ordered.

Under the New Jersey Register of Historic Places Act, only public undertakings that would encroach on a listed property need state approval; strictly private projects aren't reviewable under that law.21 The borough ordinance, not the state register, is what governs here. Elsewhere in the county, ask your construction office whether the house sits in a local district before anyone draws a dormer or new siding.

Near the Cooper River and the creeks

Under New Jersey's flood hazard rules, a regulated flood hazard area and riparian zone exist along every regulated water that drains 50 acres or more.22 Lots along the Cooper River, Pennsauken Creek and the smaller streams that feed them can fall inside a regulated flood hazard area.

Cherry Hill's flood damage prevention chapter, added in July 2023, treats work as a substantial improvement when the cumulative cost of reconstruction, rehabilitation, additions or other improvements over a ten-year period reaches 50 percent of the building's market value, and its floodplain administrator reviews permits from the previous 10 years to decide.23 In Cherry Hill, anyone planning development in a flood hazard area must first apply to the floodplain administrator and obtain the required permit, which can be needed in addition to a building permit.23 A whole-house renovation is exactly the kind of project that can cross that line, so ask for the determination before the design is final.

NJDEP's Inland Flood Protection Rule, in effect since July 17, 2023, raises the non-tidal flood elevations DEP maps by two feet and applies to new development and reconstruction, not to existing development.24

Staying put during the work

For very dusty work such as demolition, the EPA describes isolating the work area: sealing it off with no direct access to the occupied rooms, with workers using a separate entrance until cleanup is done.14 In a bi-level, a family can often live upstairs while the lower floor is gutted, as long as a toilet, a sink and some way to cook stay on the occupied level.

If the plan empties the whole house, the job has become a reconstruction, and the town has to issue a new certificate of occupancy first. Schedule the final inspections before the moving truck, not after it.

Room to age in

More than one in four adults 65 and older fall each year.25 Open walls make it cheap to add blocking for future grab bars, widen the hall-bath doorway or fit a full bath on the entry floor of a two-story colonial. NAHB's Certified Aging-in-Place Specialist (CAPS) credential trains remodelers in home modifications for aging in place.26

What happens when you call

Calling the number on this page connects you, on a recorded line, with one independent company that handles whole-home remodels in the South Jersey area. Which rooms, in what order and for what price are worked out between you and that company.

We're paid by that company for the call. You pay us nothing, and no one from our side calls or texts you later. How we make money

After you're connected

New Jersey registers home improvement contractors instead of licensing them, so look the company up before a deposit changes hands. New Jersey's Contractors' Business Registration Act requires every home improvement contractor business, from a sole proprietorship up, to register with the Division of Consumer Affairs every year before selling or making home improvements, unless the law exempts it.27 The Division of Consumer Affairs' License Verification System is a real-time lookup; its Business Search finds home improvement contractor businesses by business name, license number or city and lists each one's registration number, license type, status and city.28 Check a New Jersey license

A New Jersey home improvement contract for more than $500, and any change to its terms, must be in writing and signed by all parties, and must list the contractor business's legal name, business address and registration number, include a copy of its liability insurance certificate with the insurer's phone number, and state the total price including any finance charges.29 A New Jersey homeowner may cancel a home improvement contract for any reason until midnight of the third business day after receiving a copy of it, by written notice sent by certified or registered mail or delivered in person, and the contractor must refund all payments within 30 days of receiving the notice.29

Questions people ask

What does a whole-house remodel cost in South Jersey?

No survey prices a whole house. Philadelphia's 2025 Cost vs. Value figures, the closest to Camden County, give $81,1211 for a major midrange kitchen, $27,7671 for a midrange bath and $52,1991 for a basement. Add the wiring, plumbing and heating that tie the rooms together to reach your own total.

Does Haddonfield have to approve my renovation?

Only the outside, and only if the house is in the historic district. In Haddonfield's historic district, a certificate of appropriateness is required for demolition, for any exterior improvement to a historic building and for any change in a building's exterior appearance by addition, alteration or replacement; the borough's code counts reroofing, window replacement and repointing as alterations.19 Work inside the house isn't what the commission reviews.

Can a county program pay for part of it?

Possibly, for code-violation repairs. Camden County Community Development provides no-interest loans for qualified homeowners to make necessary home improvements, and rehabilitates owner-occupied housing to keep it affordable.30 Camden County's Home Improvement Program, run through the Camden County Improvement Authority, gives owner-occupants of single-family homes who meet income limits a deferred payment loan with no interest and no monthly payments, repaid when title to the home is transferred; applicants must have lived in the home at least 12 months.8 Camden County's Home Improvement Program loans must be used to correct housing code violations that are dangerous or injurious to the occupants; ordinary repairs, home maintenance, cosmetic work and general property improvements aren't eligible.8

My house is near the Cooper River. What changes?

Cherry Hill's flood damage prevention chapter, added in July 2023, treats work as a substantial improvement when the cumulative cost of reconstruction, rehabilitation, additions or other improvements over a ten-year period reaches 50 percent of the building's market value, and its floodplain administrator reviews permits from the previous 10 years to decide.23 Talk to your town's floodplain administrator early, because crossing that threshold brings the code's flood-resistant construction requirements into the project.

Sources

Page updated October 12, 2026. How we source our numbers

  1. Zonda / Journal of Light Construction, Cost vs. Value 2025, Philadelphia, Pennsylvania. Released 2025. Philadelphia, PA (Cost vs. Value market). Industry source.
  2. U.S. Census Bureau, American Community Survey 2020–2024 5-year, table B25034. Released January 29, 2026. Camden County, New Jersey, Burlington County, New Jersey.
  3. Zonda / Journal of Light Construction, Cost vs. Value 2025, national. Released 2025. United States. Industry source.
  4. Zonda / Journal of Light Construction, Cost vs. Value 2025, Washington, DC. Released 2025. United States. Industry source.
  5. U.S. Census Bureau, American Community Survey 2020–2024 5-year, table B25041. Released January 29, 2026. Camden County, New Jersey, Burlington County, New Jersey.
  6. U.S. Census Bureau, American Community Survey 2020–2024 5-year, table B25040. Released January 29, 2026. Camden County, New Jersey, New Jersey.
  7. U.S. Census Bureau, American Community Survey 2020–2024 5-year, table B25077. Released January 29, 2026. Camden County, New Jersey, Burlington County, New Jersey.
  8. Camden County Board of Commissioners / Camden County Improvement Authority (brochure posted by the Borough of Haddon Heights), Camden County Home Improvement Program (HIP) brochure. No publication date. Camden County, New Jersey.
  9. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025. Released May 15, 2026. Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro, Carpenters, United States, Electricians, United States, Plumbers, United States.
  10. New Jersey Department of Community Affairs, Division of Codes and Standards, The New Jersey State Uniform Construction Code: General Information. Released May 2006. View source.
  11. Township of Cherry Hill, Zoning. No publication date. View source.
  12. New Jersey Department of Community Affairs, Division of Codes and Standards, N.J.A.C. 5:23-6, Rehabilitation Subcode. Released August 17, 2026. View source.
  13. New Jersey Department of Community Affairs, Division of Codes and Standards, N.J.A.C. 5:23-2, Uniform Construction Code: Administration and Enforcement. Released August 17, 2026. View source.
  14. U.S. Environmental Protection Agency, Best Practices for Indoor Air Quality when Remodeling Your Home. Released June 23, 2026. View source.
  15. U.S. Environmental Protection Agency, Remodeling Your Home and Indoor Air Quality. Released February 17, 2026. View source.
  16. U.S. Environmental Protection Agency, Learn About Asbestos. Released July 13, 2026. View source.
  17. U.S. Environmental Protection Agency, Protect Your Family from Exposures to Asbestos. Released June 25, 2026. View source.
  18. U.S. Environmental Protection Agency, Sources of Lead in Drinking Water. Released August 2017. View source.
  19. Borough of Haddonfield, NJ, Code of the Borough of Haddonfield, Chapter 135 (Land Development), Article VI, Historic District. No publication date. View source.
  20. Borough of Haddonfield, NJ, Historic Preservation Commission. No publication date. View source.
  21. New Jersey Historic Preservation Office, Historic preservation regulations. No publication date. View source.
  22. New Jersey Department of Environmental Protection, Watershed & Land Management, Flood Hazard Areas. No publication date. View source.
  23. Township of Cherry Hill, Code of the Township of Cherry Hill, Chapter 12, Flood Damage Prevention. Released July 10, 2023. View source.
  24. New Jersey Department of Environmental Protection, Inland Flood Protection Rule. Released July 17, 2023. View source.
  25. Centers for Disease Control and Prevention, Facts About Older Adult Falls. Released September 4, 2026. View source.
  26. National Association of Home Builders, Certified Aging-in-Place Specialist (CAPS). No publication date. View source. Industry source.
  27. New Jersey Division of Consumer Affairs, Home Improvement Contractor Business: Frequently Asked Questions. Released March 3, 2025. View source.
  28. New Jersey Division of Consumer Affairs, License Verification System. No publication date. View source.
  29. New Jersey Legislature, P.L.2023, c.237 (Home Improvement and Home Elevation Contractor Licensing Act; amendments to the Contractors' Business Registration Act). Released January 8, 2024. View source.
  30. Camden County, NJ, Senior & Disabled Services: Housing Navigator / housing programs. No publication date. View source.
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