Fair Price Guide: What Things Should Really Cost

A fair-market price is what a well-informed buyer pays in a competitive market — not the first number on a quote. The problem is that most people never see one. Sellers hold the pricing data, and every line item on an estimate is written by the person who profits from it. Second Opinion flips that imbalance: our AI compares your bill, quote, or contract against live market benchmarks and tells you what the price should really be before money changes hands.

Why quotes vary so much

The same job can vary by hundreds or thousands of dollars between providers. Materials carry real regional differences, but much of the spread is padding: labor hours stretched to look reasonable, generic parts billed at premium rates, and line items priced to be hard to compare. A midrange bathroom remodel, for example, fairly lands between $6,000 and $15,000 — a quote far outside that band deserves scrutiny, not a signature.

The fees to watch for

Junk fees are the fastest-growing category of overcharging: "permit processing," "shop supplies," "administrative fees," and weekend surcharges that a fair quote would simply bundle into the price. Watch for vague "allowance" lines, deposits above 10–15 percent, and any clause that waives your right to dispute charges — a serious red flag no reputable business uses.

Negotiate from knowledge, not hope

Every Second Opinion analysis ends with a negotiation script built from your specific document: which line items to challenge, what local competitors charge, and exactly what to ask for. Fair businesses respect an informed customer — and the ones that don't have told you something valuable too.

Real-world fair price benchmarks

Water heater replacement (50-gal gas)

$1,400 - $2,600 installed

Contractor / Repair

Fair quotes bundle the unit, standard installation labor, fittings, and haul-away. Anything charging these separately is padding the invoice.

Watch for: Billing fittings, haul-away, and 'permit processing' as separate line items on top of an inflated unit price.

Brake pads and rotors (per axle)

$300 - $800 per axle

Auto

Includes parts and labor for a standard sedan or SUV with quality aftermarket parts; premium rotors add modestly to the fair range.

Watch for: Pushing 'lifetime warranty' premium pad upsells and quoting per-corner prices that hide the axle total.

HVAC tune-up

$80 - $150

Contractor / Repair

A seasonal tune-up covers inspection, coil cleaning, filter change, and refrigerant check. Beware bait-priced tune-ups designed to upsell repairs.

Watch for: The $29 'special' tune-up that 'discovers' an urgent repair you don't need.

Two-line unlimited smartphone plan

$50 - $80 per month

Subscriptions

Postpaid unlimited plans from value carriers include taxes in the advertised price; premium brands cost more without delivering more for most users.

Watch for: Advertised prices that exclude taxes, fees, and per-line 'device protection' add-ons.

Root canal + dental crown

$1,500 - $2,500 total

Medical

Fair pricing for a molar root canal plus a standard crown; prices rise for front teeth work with a general dentist and drop further with insurance.

Watch for: Unbundling the crown into 'build-up' and 'crown' line items and charging full out-of-network rates without disclosing them.

Midrange bathroom remodel

$6,000 - $15,000

Home & Mortgage

Covers fixture replacement, tile, plumbing, and standard labor for a typical bathroom; custom stone and layout changes push toward the top of the range.

Watch for: Vague 'allowance' lines and charging change-order fees on work already priced in.

Home internet (300+ Mbps)

$40 - $70 per month

Utilities & Bills

Standard cable or fiber service at 300 Mbps or above; promotional pricing is common, so ask for the retention rate before renewing.

Watch for: Promotional first-year pricing that silently doubles at renewal — and 'equipment fees' for a router you could own.

Termite treatment (perimeter)

$500 - $1,200

Home & Mortgage

Liquid perimeter treatment for an average home includes warranty; beware multi-year bonds sold as mandatory after treatment is complete.

Watch for: Selling unnecessary annual 'renewal bonds' and treating the whole house when only a perimeter treatment is needed.