The Home Insulators

Insulation Contractors in Camden County, NJ

71.7% of Camden County was standing before New Jersey’s first statewide energy subcode of 1 January 1978. The median unit dates from 1966, 17.6% of the 213,188 housing units predate 1940, 22.8% are 1940s and 50s and 31.3% came out of the 1960s and 70s, while only 9.7% has been built since 2000. Almost none of it was framed with an insulation requirement behind it.

It is also a county of shared walls. 54.6% of units are detached and 17.0% attached — the twin, the row half and the townhouse. Another 8.0% sit in two- to four-unit buildings and 11.2% in buildings of twenty or more. 65.0% of occupied units are owner-occupied. Gas heats 74.5% of them, electricity 18.0%, fuel oil 4.6% and bottled gas 1.5%. In most towns here the first question is not what is in the attic but where your attic stops and the neighbor’s begins.

The county is flat coastal plain, its high point a benchmark of 219 feet near the Burlington County line, and it reads as three rings. The inner ring against Philadelphia and the Camden line — Pennsauken, Collingswood, Haddon Township, Haddonfield — is pre-war rail suburb: twins and balloon-framed houses. The middle ring, Cherry Hill and Gloucester Township, is the post-war tract belt that filled the farm fields in the 1960s and 70s. The outer ring, Voorhees and Winslow Township, was built mostly after 1980 and reaches into the Pinelands. The eight town pages carry the detail.

The Camden County towns we work in

Each one gives the town’s numbers, the assemblies that fail there, and which utility pays.

  • Cherry Hill — 48.4% built in the 1960s and 70s: split-level garage bedrooms, ranch attics and crawl spaces.
  • Gloucester Township — median home built in 1978, right on the code line; 4,403 townhouses and a township of crawl spaces.
  • Winslow Township — the county’s largest township, the Levitt houses of Sicklerville, and 6.5% still heating with oil.
  • Pennsauken — 29.3% built in the 1950s alone: knee walls, settled rancher attics and highway-corridor houses that leak sound.
  • Voorhees — 47.6% built in the 1980s and 90s: attic ducts, cathedral slopes and townhouse party walls.
  • Haddon Township — 88.9% predates 1980, and Westmont, Saddlertown and the Heather sections each need a different scope.
  • Collingswood — only 38.0% detached: twins with open party walls and pre-war houses cut into flats along the PATCO line.
  • Haddonfield — 51.0% predates 1940: balloon-framed walls, third-floor kneeboxes and a historic district that decides the method.

The houses across Camden County

Start with the party wall, because 17.0% of the county lives behind one. In a pre-war twin in Collingswood or Pennsauken, and in most townhouse rows in Gloucester Township and Voorhees, the wall between the units was drywalled to the ceiling line and left open above it. The two attics are then one attic: your heat rises into the neighbor’s roof space and their cold air comes back down your top plates. No amount of blown fill fixes that. It gets closed at the roof deck, and the top plates sealed on both sides, before anything else happens. An end unit or an end-of-row twin adds a full exposed gable, which makes it the colder address and the bigger scope.

17.6% of the county predates 1940, and in the inner ring that share is the whole town: 51.0% of Haddonfield, 46.5% of Collingswood, 26.9% of Haddon Township, 18.9% of Pennsauken. Those houses are balloon-framed: stud bays running without a firestop from the cellar sill to the attic, so air climbs inside the wall and unloads overhead without heating a room. Depth on the attic floor does nothing about that; the bays get plugged at the top plate first. Assume knob-and-tube behind the plaster until an electrician clears it, and it comes out before any cavity is filled. The oldest are solid brick or stone with no cavity at all, and there the job is the attic, the third-floor slopes behind the kneeboxes, the cellar rim and any later frame wing.

22.8% of the county is 1940s and 50s, which in Pennsauken is 37.2% and in Haddon Township 36.3%. This is cape country. A cape fails at the knee wall: batts facing the bedroom with no air barrier on the attic side, floor joists running under the finished floor out to an open eave, unbaffled slopes above and a shallow flat attic over the middle. The rancher of the same years fails across one long ceiling plane where the original loose-fill has compacted and the top plates, flue chase and plumbing stack are still open.

31.3% is the 1960s and 70s tract belt: 48.4% of Cherry Hill, 38.1% of Gloucester Township, 30.5% of Voorhees, 28.6% of Winslow Township. The split-level is the hard house. Two or three ceiling planes at different heights, a short attic over each, a framed pocket where the upper roof meets the lower one, open to both, and a bedroom over the garage sitting on joist bays that run out to the soffit. Beneath much of this stock there is no basement — on this coastal plain the mid-century builder used a slab or a shallow crawl space. A vented crawl with a dirt floor, sagging batts and ducts running through it makes the floor cold in February and the house damp in July. We close the vents, cover the ground, insulate the walls and rim and bring the space inside.

The newest quarter is a different scope: 18.6% built in the 1980s and 90s and 9.7% since 2000, which is 47.6% of Voorhees, 38.6% of Winslow Township and 30.8% of Gloucester Township. Those walls hold batts and are not worth opening. What fails is the air handler and its flexible ductwork sitting in a vented attic outside the insulation, cathedral and tray slopes framed with no baffle, the bonus room over the garage, recessed cans and bath fans. Sealing that duct run is usually worth more than any depth added above it. Two forms fall outside the work: the 11.2% of units in buildings of twenty or more — 23.8% of Collingswood, 20.1% of Haddon Township, 16.2% of Voorhees — where the envelope belongs to a board, and the county’s 1,260 mobile homes, priced on belly and duct repair rather than depth.

We seal before we insulate

Insulation slows heat moving through a surface. It does nothing about air moving through a gap. Blow a Collingswood twin’s attic to full depth with the party wall still open above the ceiling joists, and half of what you paid for is warming the house next door.

In the county’s shared-wall houses the sequence is: close the party wall at the roof deck, seal the top plates on both sides, block the balloon-framed bays top and bottom, then insulate. In a cape it is the joist bays under the knee wall and an air barrier on its back. In a 1960s split it is the framed pocket between the two roof levels and the bays over the garage. In a 1990s colonial it is the duct joints, the air handler platform and the return chase. Depth comes last in all four.

If a quote specifies a depth of insulation and never mentions air sealing, it is half a job.

What insulation costs in Camden County

Most of our projects run between $3,500 and $12,500. Across Camden County the number moves with how many separate attic planes the house has, whether a party wall has to be closed and how much of it, the feet of ductwork sitting in unconditioned space, whether knob-and-tube or a historic district rules the walls out, and whether a crawl space needs clearing and closing. A two-family or a converted flat is scoped as one building, because sealing one unit and leaving the stair chase open changes very little.

Open cell foam runs R-3.9 to R-4.2 per inch. Closed cell runs R-6.9 to R-7.1 per inch and also acts as a vapor retarder, which is why it costs more and why it is right in some assemblies and unnecessary in others. All products are manufactured in the United States and meet applicable building code and safety standards. After air sealing and insulating, homeowners typically save 20% or more on heating and cooling. The foam side is broken out in what spray foam insulation costs.

Insulation rebates in Camden County

The county divides on the same line the housing does. PSE&G has the electric in 23 of the 36 municipalities and the gas in 19, and that is the inner ring: Pennsauken, Collingswood, Haddon Township, Haddonfield and Cherry Hill are PSE&G on both bills, with the southern edge of Cherry Hill on South Jersey Gas. Atlantic City Electric has the electric outward — Winslow Township, Gloucester Township, Voorhees, Lindenwold, Pine Hill, Stratford, Clementon and Berlin — and South Jersey Gas has the gas across that same belt. Gloucester Township and Voorhees are really split, with PSE&G serving a large part of each, so in those two towns the bill settles it and not the map.

In the PSE&G towns, PSE&G Whole Home Energy Solutions offers up to $7,500 in rebates toward air sealing, insulation and related work, plus 0% on-bill repayment of up to $25,000, over seven years for projects of $10,000 or less and ten above that. It starts with an assessment by a BPI-certified contractor participating in PSE&G’s program, and PSE&G publishes no per-measure amounts. PSE&G’s Whole Home Energy Assessment is free once a year for any residential gas or electric customer in a home of fewer than five units.

South Jersey Gas Whole Home Energy Solutions is the one that publishes its arithmetic: up to $7,500, built as $2,000 once the model shows a five percent saving plus $200 for every further percentage point, capped at half the project cost, with 0% on-bill repayment of $2,500 to $25,000. It requires an active account and gas heat, and it covers houses, townhomes, condos and buildings under four units, which matters where so much of the stock is attached. Customers also get a complimentary Whole Home Energy Assessment.

Atlantic City Electric Whole Home Energy Solutions pays to the same $7,500 ceiling, no more than half the project cost, with 0% financing of $2,500 to $25,000. It publishes no formula and states no free walk-through, and it is written for single-family residences only, so a townhouse owner in Winslow Township or Voorhees goes to the gas side. It does not require gas heat, which makes it the door for houses on oil or propane. Where the gas and the electric come from two different companies, either program can take the job; start with whoever bills you for your heating fuel and confirm with the other.

For income-qualified households the work can be free. PSE&G Home Weatherization, the Atlantic City Electric Home Weatherization Program and South Jersey Gas Home Weatherization for Income-Qualified Customers each install insulation, air sealing and duct sealing at no cost between 250% and 400% of the federal poverty guidelines. New Jersey Comfort Partners does the same at or below 250%, $82,500 a year for a family of four in 2026, and refers homes on oil, propane or kerosene to the state weatherization office. New Jersey’s IRA Home Energy Rebates have not launched; the state’s page has them in development and not open for applications. The federal Section 25C tax credit ended for anything placed in service after 31 December 2025, whatever a flyer still says. The rest is in our New York and New Jersey rebate guide.

Code and climate in Camden County

71.7% of the county went up before New Jersey’s first statewide energy subcode of 1 January 1978, and in the inner ring it is nearly everything — 90.7% of Collingswood, 88.9% of Haddon Township. Camden County is climate zone 4A, the milder coastal-plain zone, so the cooling season carries a real share of the savings and a hot vented attic full of ductwork costs money in July as well as January.

New Jersey adopted the 2024 IECC on 17 August 2026. For new construction it sets R-49 ceilings — the 2021 edition it replaced called for R-60 — walls at R-30 in the cavity or R-20 plus R-5 continuous, windows at U-0.30 in the 4A counties, and air leakage of 3.0 air changes per hour at 50 pascals. A complete permit application filed under the old code is still accepted until about 16 February 2027.

An existing house falls under New Jersey’s Rehabilitation Subcode: insulating an attic does not require bringing the rest of the house to code, and no blower-door test. Blown-in or batt insulation installed against the interior finish is ordinary maintenance with no permit; spray foam and other foam plastic insulation need a permit, which we pull as part of the job. R-49 is the number the state considers right for this climate, and it is what we design to.

Common questions about insulation in Camden County

Do you install insulation in Camden County, NJ?

Yes, in the eight towns listed above and the county around them: the balloon-framed pre-war houses and twins of the inner ring, the post-war capes of Pennsauken and Haddon Township, the ranches and split-levels of Cherry Hill and Gloucester Township, and the 1980s and 90s colonials of Voorhees and Winslow Township with their ducts in the attic. Apartment buildings are the one form where we usually say no, and we say it on the phone rather than after a visit.

How much does insulation cost in Camden County?

Most projects run $3,500 to $12,500. The drivers are how many separate attic planes the house has, whether a party wall has to be closed at the roof deck, the feet of duct in unconditioned space, whether knob-and-tube or a historic district rules the walls out, and whether a crawl space has to be cleared, sealed and insulated. A twin is priced as one envelope; a 1990s colonial is priced mostly on ducts and bypasses. Every price follows a free walk-through and comes in writing.

Are there insulation rebates in Camden County?

Yes. PSE&G, South Jersey Gas and Atlantic City Electric all run Whole Home Energy Solutions at up to $7,500 per project for owner-occupied homes of one to four units, with 0% financing on top. PSE&G’s Whole Home Energy Assessment is free once a year and South Jersey Gas offers a complimentary one; Atlantic City Electric states none and takes single-family houses only. Income-qualified households can have the work done at no cost through the utilities or New Jersey Comfort Partners.

Which utility do I have in Camden County?

The inner ring is PSE&G for both: Pennsauken, Collingswood, Haddon Township, Haddonfield and Cherry Hill. Outward it is Atlantic City Electric for electric and South Jersey Gas for gas, including Winslow Township and most of Gloucester Township and Voorhees — and both of those towns are really split with PSE&G. Accounts near a boundary can be served across the line, so read the bill rather than the map, and tell us both companies when you call.

Free energy audit in Camden County

We go into the attic first: the party wall and whether it is closed at the roof deck, the top plates, the depth of what is there, the eave baffles, the cans and bath fans, then the duct run and the platform the air handler stands on. We look behind knee walls and kneeboxes, at the bays under a bedroom over the garage, and underneath at the cellar rim, the crawl space or the slab edge. Then you get a written scope and a price, with no charge and no obligation.

Call 914-825-6824 or use the contact form. Open 8am–8pm, seven days. We work out of New Rochelle, NY with a 100-plus in-house crew, we never subcontract, and we hold manufacturer installer certifications from the spray foam manufacturers we use.

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