Personal Loans

15 Home Improvement Loan Spring Projects

A home improvement loan can be the perfect tool to help you tackle your spring projects. Here are 15 upgrades to consider making to your home.
A woman enjoys her new air conditioning unit paid for with a home improvement loan
By Erin Gobler
Posted on: March 3rd, 2022

Spring is a popular time for home improvement. Many people are craving a fresh start after a long winter, and that includes a fresh start for their home.

If you’re a homeowner, there are plenty of home improvement projects you can tackle this spring. Some of the top projects for this season include improvements to your outdoor space where you’ll enjoy the summer months.

Are you considering making some renovations or upgrades to your home this year? Keep reading to learn 15 spring home improvement projects and why a personal loan might be just the tool to help you accomplish them.

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15 Home Improvement Projects for Spring

Spring is a great time for any home improvement project, and we’ve rounded up 15 upgrades you should consider doing this spring.

1. Replace your roof

Winter can be hard on roofs, especially if you live in a region where it’s been covered in snow and dealing with ice freezing and thawing for several months. And since spring can be a time of heavy rainfall, it’s especially important to address any roof issues to avoid leaks.

The cost of replacing a roof can cost anywhere from $5,000 to $20,000, but most will have a price tag closer to $10,000. The good news is that replacing your roof isn’t a project you’ll have to do every year.

In most cases, roofs can last between 15 and 30 years, depending on the type of roof and the quality of installation. Any damage in between can be addressed with minor repairs, which may cost $1,000 or less.

2. Install new windows

Spring can also be a great time to install new windows in your home. In most cases, it’s best to replace windows when the weather is moderate, meaning it’s not too hot or too cold. Not only will doing this project in the spring help keep the temperature in your home at a reasonable level, but it’s also the best temperature to apply caulk.

The cost of replacing windows depends on plenty of factors. A single window can range from $150 to $1,000 on its size, type of glass, frame materials, and other factors. If cost is an issue, you can always replace them one or two at a time. However, it’s most cost-effective to replace all of the windows that need replacing at once.

3. Repair or replace your air conditioner

If your air conditioner is on its last leg, spring is the perfect time to replace it. After all, the last thing you want is to be without air conditioning during the hottest time of the year. It’s also a great opportunity to get in before demand gets too high since summer is a popular time for air conditioning repairs and installations.

The cost of a new air conditioner can range from just a few thousand dollars to closer to $10,000. The amount you’ll pay depends on the size of your unit, the brand, and its energy rating. The good news is that newer air conditioners can last from 15 to 25 years if you maintain them properly.

4. Update your landscaping

If you’ve been considering updating your landscaping, spring is the perfect time to do it. Once the snow is gone, and freezing temperatures are behind us, you can safely do this project without worrying about damaging your new landscaping. And since many people spend much of their summer outdoors, getting this project done in the spring means you’ll get to enjoy it for as long as possible.

The good news about landscaping is that it can cost as much or as little as you want it to. Some landscaping projects can be done yourself for just a few hundred dollars, while bigger projects can easily cost tens of thousands of dollars.

5. Replace your siding

Spring is a great time for fresh starts. And what makes for a better fresh start than freshening up the exterior of your home? Spring is a great time of the year to update your home’s siding or even give it a new paint job. Not only does new siding improve your home’s curb appeal, but it also helps to get rid of damaged or deteriorating pieces.

The cost of replacing siding depends on the size of your home and the type and quality of siding you choose. In general, you can expect to pay between just a few dollars to $12 per square foot. For a total cost, you might pay anywhere from just a few thousand dollars to nearly $20,000.

Add an outdoor entertainment area

If you do a lot of entertaining, then an outdoor entertainment space is the perfect addition to your home before summer arrives. By doing this project early in the year, you’ll be able to take advantage of it for longer, helping to make your summer even better.

An outdoor entertainment space can be totally customizable, meaning it can cost as much or as little as you want. You could do a DIY project for as little as a few thousand dollars on the low end. But for a more permanent outdoor living space, you can expect to spend $10,000 or more.

Install a pool

If you’ve been considering installing a pool in your backyard, spring is the perfect time to do it. The ground is finally thawed from winter (if you live in a region that gets cold), and getting it built early will allow you to take advantage of it all year long.

The biggest factor that will affect the cost of your pool is whether it will be an in-ground or above-ground pool. In-ground pools have a higher price tag but are often worth the extra cost. You might pay anywhere from $20,000 for a small pool to more than $60,000 for a larger pool.

Build a deck or patio

Installing or upgrading your deck or patio is one of the easiest and yet most effective changes you can make to your home in the spring. After a long winter, many of us are craving more time outside. And with a nice deck or patio space, that’s easy to accomplish.

The cost of your outdoor space will depend first on whether you choose a deck or a patio. It will also depend on the size and the materials you choose. Patios often cost just a few thousand dollars to install. On the other hand, decks can easily exceed $10,000 for a nicer deck.

And while it might be tempting to sacrifice a smaller space to save money, it’s actually more cost-effective to just build the space you want now versus expanding it next spring or in future years.

Add an irrigation or sprinkler system

If you have a large yard with lots of grass or plants to water, then a home irrigation or sprinkler system might be well worth the cost. You won’t have to worry about manually watering anything, especially in the hottest part of the year when watering needs to be done more often. And you’ll have a beautiful lawn and garden all summer.

Installing an irrigation or sprinkler system isn’t actually all that expensive. You can spend anywhere from $1,500 to about $3,500. If you have more acreage or want a more professional system, your costs may go up to $5,000.

Install an outdoor kitchen

Having an outdoor kitchen is a dream for many homeowners, and it’s more affordable than you might have thought. Spring is the perfect time to install your outdoor kitchen. As the temperatures rise, you’ll likely be spending more time outdoors. And for those who love to grill and entertain in the summer months, an outdoor kitchen will be well worth the cost.

You may be able to build a budget-friendly outdoor kitchen for as little as $5,000. A more in-depth or high-end kitchen will cost several tens of thousands of dollars. But like other outdoor upgrades, you can spend as much or as little as you want to make the space work for you.

Replace your gutters

If your gutters need replacing, spring is probably when you’ll probably notice. Winter can be hard on gutters, especially if snow piles up and they freeze and thaw throughout the season. And once the snow starts melting and the rainy season arrives, you might notice that your gutters are in desperate need of an upgrade.

Luckily, replacing gutters doesn’t have to be that expensive. On average, you’ll only pay somewhere between $500 and $1,500 for the whole project, making it one of the most budget-friendly spring home improvement projects.

Build a fence

We’ve already talked about a few other outdoor home improvement projects, but we’d be remiss if we didn’t also talk about building a fence around your property. A fence allows many people to enjoy their outdoor space even more. It creates additional privacy and allows your pets and children to run around your yard safely, creating peace of mind.

The cost of a fence depends on several factors, including the size and type of material. In general, you can expect to pay anywhere from $1,000 to $10,000.

Remodel your kitchen

Remodeling your kitchen is always one of the most popular home improvement projects, but you might be wondering why we’re suggesting it for spring in particular. When you’re doing a kitchen remodel, you likely won’t have access to a part of your home. Not only does this make your space feel smaller (because it is), but it also makes it more difficult to cook.

Doing your kitchen remodel in the spring helps to address both of these problems. First, you can take advantage of your outdoor space, so your home doesn’t feel so cramped. Meanwhile, if you did your renovation in the winter, you might be cramped inside. And spring also is the perfect time to grill outside, meaning not having a kitchen isn’t quite as problematic.

The cost of a kitchen remodel can vary widely. Depending on what you’re changing, you might be able to do it for around $15,000. But for a larger kitchen or a higher-end remodel, your cost could be as high as $40,000 — $50,000.

Transform your home office

Many people began working from home for the first time during the pandemic. And depending on your job, work from home may have become permanent. And if you haven’t already done a home office upgrade, this spring is a perfect time.

Upgrading your home office can be done for as little as a few thousand. And for a more in-depth remodel to create a more permanent office, you might spend closer to $10,000.

Disaster-proof your home

If you live in an area that’s prone to natural disasters, spring might be the perfect time to disaster-proof your home. Hurricane and tornado season both run from late spring into the fall, making this home improvement project particularly timely.

Unfortunately, there’s no way to protect your home against natural disasters entirely, but there are a few things you can do to increase your chances, including upgrading your windows, storm shutters, doors and door frames, and more. You can make some of these upgrades for a reasonable price tag, but could spend upwards of $10,000 or $20,000 for the highest quality work and materials.

Personal Loans vs. Home Equity Loans for Home Improvement

Personal loans and home equity loans are two of the most important financing options for home improvements. These two types of loans have some critical differences that you should understand before you choose the right type of financing for you.

The biggest difference between these two types of loans is that a personal loan is unsecured, while a home equity loan is secured by your home. This means that your home serves as collateral for the loan, and if you fail to pay it back, your lender may attempt to seize your home.

Because home equity loans are secured by your house, they often offer lower interest rates due to the reduced risk for the lender. However, the amount you’re able to borrow depends on how much equity you have built up in your home. On the other hand, a personal loan may have a slightly higher interest rate, but you won’t be limited by your home equity in the amount you can borrow.

Why Personal Loans for Spring Home Improvement?

You have several different financing options for your spring home improvements, so you’re probably wondering why a personal loan is the right choice.

First, as mentioned above, a personal loan isn’t secured by your house. While this has downsides — including a potentially higher interest rate — it’s also less risky for you. If you run into a financial emergency and can’t make your loan payments, your home is still safe.

And while you might feel uneasy about borrowing money and paying interest for home improvements, remember that depending on the project, you may get a return on your investment. Plenty of home improvement projects increase the value of your home by significantly more than the amount of interest you’ll pay on a personal loan.

Frequently Asked Questions

How much can I borrow with a personal loan?

The amount you can borrow with a personal loan for home improvements depends on the lender you use. Some lenders may only offer personal loans for a few thousand dollars, but others offer loans for tens of thousands of dollars, or even as much as $100,000.

What is the interest rate on a personal loan?

The interest rate on home improvement personal loans depends on many factors, including your credit score, lender, and the amount you’re borrowing. Rates can range from as low as about 5% to as high as about 36%.

What is a home improvement loan?

Home improvement loans aren’t a special type of loan. Instead, it’s just an unsecured personal loan that’s used for home improvement projects.

What are the best home improvement projects for spring?

Spring is a great time to tackle outdoor home improvement projects since that’s where many people enjoy spending their time in the summer. You can upgrade your outdoor entertainment space, build a deck or patio, install an outdoor kitchen, put in a pool, and more.

Can I borrow money against my house for home improvements?

Yes, you can borrow against your house for home improvements. Financing options like a home equity loan, home equity line of credit (HELOC), and cash-out refinance can all be ways of using the equity in your home to pay for home improvements.