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How Much Does a Termite Inspection Cost?

Updated: Mar 10, 2023

No homeowner wants to be faced with the reality of termite infestation in their home. That's why regular termite inspections are so important. They help identify and eliminate the problem before it becomes a costly and devastating issue. The cost of a termite inspection varies, with a national average of $175, ranging from $50 to $280.

If you live in a termite-heavy or high-risk area, such as a warm and humid climate, it's recommended to schedule an inspection every year. For low-risk areas, it's suggested to have an inspection every other year. Early detection and prevention can save homeowners thousands of dollars in fumigation costs, as well as provide budget-friendly or even free preventive steps to avoid termite infestation.

If you're selling a home, a termite inspection can add anywhere from $75 to $125 to the cost of a standard home inspection. If you require an official letter or report from the inspection for insurance or sale purposes, that can add an additional $100 to $200 to the cost. The value of a home with termite damage can be decreased by 25 percent or up to $50,000 if the infestation is not treated.

It's crucial to understand what factors contribute to the cost of a termite inspection and to ask the right questions when choosing a termite inspector. In the end, investing in a termite inspection can save homeowners money and protect their biggest investment - their home.

Factors in Calculating Termite Inspection Cost

The cost of a termite inspection can be affected by several factors such as the type of inspection, whether it is for residential or commercial purposes, and if any reports are necessary. This means that the cost may vary from the national average.

Home Inspection for Prevention vs Sale

As a homeowner, you have the option to opt for low-cost or even free annual termite inspections as a preventive measure for your home. In some cases, the inspection fee may even be waived if termite treatment is necessary. However, if a termite inspection is required as part of a home sale, you may be charged an additional fee. This is a requirement in some states before the sale can be finalized. Home inspectors can identify visible signs of termite presence, such as holes in wood or piles of sawdust, but they may not have the same training as a termite treatment expert.

Home Inspection Bundle

Home inspections can range in cost from $250 to $400, but a pest inspection is not always included in the process. To save on cost, many home inspection companies offer pest inspections at a discounted rate if it is combined with the home inspection. These certified pest inspections are performed by a licensed professional who has the expertise to accurately identify pest activity. This is a more thorough examination compared to a home inspector, who primarily focuses on the structure and functionality of the home's features.

Home Loan Type

In a home sale transaction, the payment for a termite inspection may vary depending on the type of home loan that the buyer has. Standard loans have different requirements for pest inspections compared to VA (Veterans Affairs) and FHA (Federal Housing Administration) loans.

For VA loans, the seller may pay for the inspection, which can range from $50 to $150. However, some states allow the borrower to pay, or the lender may take on the cost in certain cases. The VA requires homes located in high-risk areas to undergo a termite inspection. Condominiums are only subject to pest inspection if a property appraiser determines the presence of pests. Property appraisals typically cost between $250 and $400.

For FHA loans, a termite inspection is mandatory if there is evidence of an infestation or if it is required by the state or lender. The loan will only be approved after the pests have been exterminated and the home has passed a follow-up inspection. The cost of the termite inspection for FHA loans is typically the responsibility of the buyer, but the seller may choose to pay for it as an incentive for a successful sale.

Termite Report

A termite inspection certificate is a document issued by a licensed pest control company indicating that a property has been thoroughly examined and is free of termite damage. The certificate includes details on any prior termite infestations and the repairs made to address them. This type of certificate is often required for VA and FHA loans, as well as for homes located in areas with high risk of termite infestations. The cost for a termite inspection certificate can range from $100 to $200, and some inspection firms may offer to waive the fee if they are hired to treat a termite issue.

Commercial or Business Inspections

The cost for a termite inspection on a commercial property or business can range from $250 to $600, and may vary depending on the size and nature of the business. A professional pest control company will usually provide a free consultation and present a proposal for their pest control services.

Additional Costs and Considerations

When estimating the cost of a termite inspection, it's important to take into account any additional expenses that may affect the overall cost. These may include the cost of a termite bond agreement, treatment fees, and additional fees or requirements specific to the location.

Termite Bond Agreement

If termites are detected before a home purchase, lenders may require a termite treatment bond. The bond outlines the plan for treating the property to eliminate termites and prevent future infestations. The cost of the bond, which covers the termite treatment, can range from $500 to $2,000, and may be based on the value of the home. The bond typically specifies whether the treatment company will be responsible for addressing future infestations or repairing any damages.

Termite Treatment Cost

When termites have invaded a home, many companies offer free cost estimates for extermination. The cost of termite treatment can vary greatly, ranging from $200 to $850, depending on the extent of the infestation. Companies may tailor their treatment plans to meet the specific needs of a home, so the final cost may depend on factors such as the size of the home, type of termite treatment, size of the infestation, and location. In cases where fumigation is necessary, the cost can increase to between $1,000 to $4,000.


The cost of termite inspections can vary depending on the location. Factors such as labor costs, taxes, and fuel prices can impact the inspection fees. Additionally, each state has its own standards for termite testing, leading to variations in cost across regions. For instance, residents of South Carolina are required to have a South Carolina Wood Infestation Report, also known as a CL-100, which costs around $150 and is mandatory for all real estate transactions. These reports are valid for 30 days after the inspection and the fee can be included in the closing costs or paid separately by the homeowner.

Should I Get a Termite Inspection?

If you're in the process of buying a home or residing in an area with a high risk of termites, such as warm and humid climates, a pest inspection should be a top priority. Conducting a termite inspection gives you peace of mind and helps identify any potential issues before you move into a new home, or it verifies the effectiveness of prior termite treatment and prevention measures.

Termites are stealthy creatures, but there are ways to spot their presence, such as small piles of sawdust near wooden structures, paint that is cracked or bubbled, discarded wings, mud tunnels, noticeable swarms of insects, tiny holes in wood or drywall, and wood that has been hollowed out. If you observe any of these signs, it's time to call in a professional for an inspection. Early detection and prompt treatment can prevent termite damage.

The Importance of Annual Inspection

Termite inspections are relatively inexpensive (and sometimes even free), and they can save you a considerable amount of money on treatment and extermination costs in the long run. Ignoring a termite infestation can lead to costly damage, and if fumigation is necessary, you may need to find alternative lodging for a few days. Homes located in warm, humid regions are particularly susceptible to termites, and those that have had previous infestations should be inspected annually.

Purchasing a Home

A termite infestation can significantly reduce a home's value, so it's important to have a pest inspection conducted before the sale. Lenders may require a termite inspection prior to loan approval, and some states and municipalities have specific regulations for these inspections. It's worth noting that homeowner's insurance does not cover the cost of termite inspections or extermination, as this type of damage is considered preventable. Investing in a termite inspection is a smart way to protect your home from these insects, which can cause extensive damage from the inside out.

Termite Inspection: DIY vs. Hiring a Professional

While it may be tempting to try and tackle a termite infestation on your own using over-the-counter products, these DIY treatments often fall short in completely eliminating the problem. For a more thorough assessment, it's best to seek the expertise of a professional. An experienced and licensed inspector is equipped with the knowledge and tools to accurately identify signs of termites and create a customized treatment plan. Additionally, hiring a professional who is bonded and insured provides peace of mind and protection for your property.

Questions to Ask During a Termite Inspection

To ensure you have a successful and informative termite inspection, it's important to ask the right questions to your inspector. Here are a few key questions to consider asking:

  1. Are you licensed, bonded, and insured?

  2. How many years of experience do you have in the field?

  3. Can you walk me through the inspection process?

  4. Can you provide any customer reviews or references?

  5. Can you demonstrate the evidence of termite infestation to me?

  6. What is the cost of the inspection?

  7. How much time will the inspection take?

  8. Who will be conducting the inspection?

  9. Is the termite treatment safe for my family and pets?

  10. Will I receive a written report of the inspection?

  11. Can I expect a written estimate for the treatment, if needed?

  12. Is the work guaranteed?

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