Insulation Calculator: R-value by climate zone (2021 IECC)

How it's calculated. The R-value comes from 2021 IECC Table R402.1.3 by climate zone; thickness = R ÷ R per inch of the product; the wall is checked against the Table R402.1.2 U-factor and for condensation.
Chicago (zone 5A), 2x6 wall: R-20 + R-5 ci → R-21 batts + 1 in polyiso, U-0.042 ≤ 0.045; 1,200 ft² takes 33 bags of batts and 40 boards
01

Climate and component

Climate zoneYour county's zone is in IECC Table R301.1; the building department confirms it.
Way to comply
ft²
%
02

Insulation

Studs
ft²
03

Moisture check

°F
%
°F
R-value
R-20 + 5ci· Wood-frame wall
Climate zone 5A · Wood-frame wall
Required (2021 IECC)R-20 cavity + R-5 ci · climate zone 5A, Table R402.1.3
Cavity / atticR-21 fiberglass batts, 5½"
Continuous insulationPolyiso board, 1" · R-6
Assembly U-factorU-0.042 · max U-0.045 (Table R402.1.2)
Batt bags33
Boards 4 × 840
Vapor retarder (+15 %)1,380 ft²
Indoor dew point41 °F
Condensing surface35 °F
The sheathing (or the masonry behind the insulation) is below the dew point — add exterior continuous insulation or a vapor retarder (IRC R702.7)

Assembly section and temperatures

Climate zone 5A · Wood-frame wall
INSIDE 70 °FOUTSIDE 23 °Fdrywallcavitysheathingcisidingdew point 41 °FDELIMETRA · FT-IN
required R ÷ R per inchThicknessR-20 + 5ciRequired (2021 IECC)41 °FIndoor dew point35 °FCondensing surface
Your local prices
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Prices are not pre-filled.

How we calculate

The requirement is the 2021 IECC prescriptive table (R402.1.3) for your climate zone. Walls can comply several ways: all in the cavity, or cavity plus continuous insulation (ci) on the outside or inside, or all continuous. Your state may have adopted another edition or amendments.

Thickness = R-value ÷ R per inch of the product: batts are picked from their nominal sizes, loose fill and spray foam by depth, rigid board rounded up to the thicknesses sold. A wood-frame wall's real performance is lower than its nominal R because the studs are a thermal bridge: the calculator finds the assembly U-factor by the parallel-path method with 25 % framing and compares it with Table R402.1.2.

Moisture: the temperature falls through each layer in proportion to its R-value. Where a surface inside the wall is colder than the dew point of the indoor air, vapor can condense there — in a frame wall that is the inside face of the sheathing. Exterior continuous insulation warms the sheathing; a vapor retarder keeps the moisture out (IRC R702.7).

Insulation
R-20 + 5ci

A new 2x6 wall in Chicago — climate zone 5A — needs R-20 in the cavity plus R-5 of continuous insulation under the 2021 IECC. R-21 fiberglass batts and 1 in polyiso board do it, for an assembly U-factor of 0.042 against the 0.045 maximum. For 1,200 square feet of wall that is 33 bags of batts and 40 sheets of foam. The calculator above finds the requirement for any climate zone and part of the house, the thickness and quantity of the product you choose, and checks the wall for condensation.

How the calculator works

Pick a city or a climate zone and the part of the house: attic, wood-frame or mass wall, floor, basement, crawl space or slab edge. Choose one of the ways the code allows — all in the cavity, cavity plus continuous insulation (ci), or all continuous — and the products. The result is the thickness, the bags, boards or spray foam kits, and for walls the U-factor and the moisture check.

Requirements by climate zone

ZoneAtticWood-frame wallFloor
0–1R-30R-13 or R-10 ciR-13
2R-49R-13 or R-10 ciR-13
3R-49R-20, or R-13 + 5 ci, or R-15 ciR-19
4 (not Marine)R-60R-20 + 5 ci, or R-13 + 10 ci, or R-15 ciR-19
5 and Marine 4R-60R-20 + 5 ci, or R-13 + 10 ci, or R-15 ciR-30
6R-60R-20 + 5 ci, or R-13 + 10 ci, or R-20 ciR-30
7–8R-60R-20 + 5 ci, or R-13 + 10 ci, or R-20 ciR-38

From 2021 IECC Table R402.1.3. An attic needing R-60 is satisfied by R-49 where the insulation keeps its full height over the wall plates at the eaves; R-38 likewise for R-49 (R402.2.1). Your state may have adopted a different edition or amendments.

Thickness

Thickness is the R-value divided by the product's R per inch: about 3.7 for fiberglass batts, 4.2 for mineral wool, 3.5 for blown cellulose, 2.5 for blown fiberglass, 3.7 for open-cell and 6.5 for closed-cell spray foam, 4 for EPS, 5 for XPS and 6 for polyiso board. R-60 in an attic is about 17 in of cellulose or 24 in of blown fiberglass.

Studs and the U-factor

Studs carry heat past the cavity insulation: in a wall framed at 16 in about a quarter of the area is wood. The calculator combines the cavity path and the stud path (the parallel-path method) into an assembly U-factor and compares it with the code maximum in Table R402.1.2 — U-0.045 in zones 4–8.

Condensation

In winter the temperature falls through each layer in proportion to its R-value. Where a surface inside the wall is colder than the dew point of the indoor air, moisture can condense — in a frame wall, on the inside face of the sheathing. Exterior continuous insulation keeps the sheathing warmer; a vapor retarder on the warm side keeps the moisture out (IRC R702.7). The drawing shows the temperature line and the dew point for the conditions you enter.

Common mistakes

For the framing, use the Wall Framing Calculator; for the drywall that covers it, the Drywall Calculator.

Questions

What R-value do I need for walls?

By the 2021 IECC: R-13 in zones 0–2; R-20, or R-13 + R-5 continuous, in zone 3; R-20 + R-5 ci or R-13 + R-10 ci (or R-15 ci alone) in zones 4–5; R-20 + R-5 ci, R-13 + R-10 ci or R-20 ci in zones 6–8.

How much attic insulation do I need?

R-30 in zones 0–1, R-49 in zones 2–3 and R-60 in zones 4–8 (2021 IECC). R-49 is accepted for R-60 where it runs full height over the wall plates at the eaves.

How thick is R-60 insulation?

About 17 in of blown cellulose (R-3.5 per inch) or 24 in of blown fiberglass (R-2.5 per inch).

What does 13+10ci mean?

R-13 in the stud cavities plus R-10 of continuous insulation — rigid board or spray foam — across the outside (or inside) of the framing.

Why add exterior foam to a wall?

Studs are a thermal bridge, and exterior continuous insulation also keeps the sheathing warm so vapor does not condense on it in winter.

How many bags of insulation do I need?

Area ÷ the coverage per bag at your R-value from the bag chart. For batts, 1,200 ft² of wall with 10 % reserve at about 40 ft² a bag is 33 bags.

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