Per-Opening Numbers for Morgan Woods in 2026
Two crews can quote the same brand on the same house and be four thousand dollars apart without either of them padding. The gap is almost always scope, not margin. Here is what each scope costs in central Indiana right now.
What a Pocket Insert Runs
Mid-grade vinyl double-hung, standard size, first floor, sound existing frame: most Morgan Woods homeowners land between $575 and $975 per opening installed. Fiberglass or composite frames push the same install to roughly $900 to $1,500. Add $75 to $200 for a second-story opening that needs staging or ladder work, and about the same again for an oversized or shaped unit.
What a Full-Frame Tear-Out Runs
The same vinyl unit, torn back to the rough opening on a sided wall, with a new sill pan and new trim inside and out: typically $850 to $1,400 per opening. Fiberglass or aluminum-clad wood runs $1,300 to $2,300. Brick veneer adds roughly $100 to $250 an opening for the extra care around the lintel and the returns. Plaster interiors add more, because somebody has to make the wall whole again.
A 1962 Morgan Woods Ranch With Fourteen Openings, Priced Both Ways
Take a house you can find on any street of a certain age: brick front, siding on three sides, eleven double-hungs running between 32 by 54 and 36 by 60, one five-foot picture unit in the living room, two small basement hoppers.
Pocket, mid-grade vinyl. The eleven double-hungs at about $700 each come to $7,700. The picture unit lands near $1,050 and the hoppers around $500 apiece. That is roughly $9,750 in units and labor, with a working range of $8,500 to $11,500 depending on brand and glass package.
Full-frame, identical units. The double-hungs move to about $1,050 each, or $11,550. The picture unit runs near $1,600 and the hoppers near $850 each. Call it $14,850 before trim, with a working range of $13,000 to $18,000 once exterior trim and interior paint are counted honestly.
| Fourteen openings | Pocket insert | Full-frame |
|---|---|---|
| Eleven double-hungs | about $7,700 | about $11,550 |
| One five-foot picture unit | about $1,050 | about $1,600 |
| Two basement hoppers | about $1,000 | about $1,700 |
| Soft sill found at three openings | not reachable | $450 to $1,800 |
| Working total | $8,500 to $11,500 | $13,000 to $18,000 |
Then the part no bid can promise. Nobody knows what is under the trim until it is off, and on a house of this age three soft sills out of fourteen is an ordinary result rather than a bad one. On this house the difference between the two approaches comes to a realistic $4,000 to $6,500, which is furnace money.
Worth noting what the pocket column cannot buy at any price. The row for sill repair reads not reachable because an insert lands on the existing sill; if that wood is soft, the pocket job does not fix it, price it, or expose it. The two columns are not the same product at two price points.
Two Middle Options That Cost Less Than a Full Tear-Out
Pull the Casing, Seal the Gap
A pocket install, but the crew removes interior casing at each opening, seals the shim gap and any weight pockets with low-expansion foam or backer rod and sealant, then reinstalls the casing. Usually $75 to $175 an opening plus touch-up paint. It captures most of the air sealing benefit of a tear-out. It does nothing about the sill or the drainage, so it is not a substitute where wood is soft.
Full-Frame the Weather Wall Only
Driving rain in central Indiana arrives mostly from the west and southwest, and those elevations age first. Tear out the openings on that side and anywhere the sill tested soft; pocket the rest. On the fourteen-opening ranch above, that mix usually prices around $11,500 to $13,500 — most of the benefit for a little over half the premium.
Where the Extra Money Actually Goes
Labor, mostly. Once measurements are right, a two-person crew sets a pocket insert in thirty to forty-five minutes. A full-frame opening is two to three hours before trim, plus the trim itself. Fourteen openings is a long day and a half one way, and the better part of a week the other.
The rest is material you never see. A sill pan and end dams, flashing tape, backer rod and sealant, low-expansion foam, exterior trim stock, interior casing and stool, and disposal of everything that came out typically runs $60 to $140 per opening in materials alone on a full-frame job, against a tube of sealant and a strip of cover trim on a pocket install. None of it shows in a photo, which is why it disappears from cheap bids first.
There is also a scheduling cost. A pocket job leaves the house closed up every night. A full-frame job has openings covered in plastic or plywood at the end of some days, so it is not a scope to start the week of a July storm front or the week of a hard freeze.
One budgeting note that surprises people. The federal 25C energy efficiency credit is generally figured on the cost of the qualifying product rather than the installation labor for windows, so the extra labor in a full-frame job does not increase what you can claim. Annual caps, the efficiency criteria a window must meet, and the rules themselves change from year to year. Confirm the current figures for the tax year you will actually file and have a tax professional sign off before you count on any of it. Utility rebates in Indiana are a separate and much smaller pool, and they move just as often.
Reading Two Bids That Are Thousands Apart
Line the quotes up and look for four things. Does one say remove sash and stops while the other says remove to the rough opening. Does either include a sill pan. Is there a written unit price for rot. Are the daylight opening sizes listed, or only the frame sizes. Answer those and the price gap usually explains itself in about five minutes, and the cheaper bid is either a bargain or a different job entirely.
The Cheaper Route Has a Bill Attached
Choosing pocket does not make the deferred work disappear, it just moves it. The shim gap stays uninsulated. The old sill keeps draining however it drains. If the wood was already soft, the new window slows the drying and speeds the decay.
The number that matters is what a redo costs. Replacing the same opening full-frame in eight years means paying for the insert you already bought, the tear-out you avoided, and the repair that grew in the meantime. That sequence typically runs $1,400 to $2,200 per opening in total, against $850 to $1,400 for doing it once.
What Pushes a Full-Frame Bid Up
Rot Found After the Wall Is Open
A sill replacement alone typically runs $150 to $400 per opening. A rotted sill plus the bottom of one king stud is more like $400 to $900. Anything that reaches the header or the band joist stops being window work and becomes carpentry billed by the hour. This is why the unit price for repair belongs in the contract before the first window comes out.
Masonry, Stucco and Stone
Full-frame on brick veneer does not mean removing brick. The crew works to the rough opening behind the veneer and leaves the brick and the steel lintel alone, which is slower but not dramatic. Stucco and synthetic stucco are the expensive exception, because the finish has to be cut and patched and a patch never quite matches. Get that patching priced as its own line.
Plaster and Original Casing
A 1920s house with plaster returns into the opening and three-piece casing cannot be torn out cleanly. Budget $150 to $400 per opening for replacement trim, patching and blending, plus paint. On nineteen openings that alone can add five figures, and it is the single most common reason older Morgan Woods homes end up with inserts.