DIY vs Hiring a Pro: A Decision Framework

Almost always DIY-friendly (low risk, high labor share)

• Interior painting
• Basic tile backsplash
• Faucet + toilet swap
• Deck refinishing
• Trim + baseboards
• Ceiling fan swap
• Cabinet hardware
• Landscaping

Almost always hire out (code, safety, or specialized tools)

• Roof replacement
• Panel upgrade or new circuits
• Gas line work
• Structural changes
• Foundation work
• Full HVAC installs

The decision math

Multiply your hourly rate (post-tax) by hours needed, add tool cost. If it beats the pro quote by less than 40%, hire out — you're buying warranty, insurance, and speed.