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Gutter Guard Cost/Benefit Scorer

Three guard types, one honest answer. We factor tree cover, gutter length, and what a cleaning actually costs in NM — then tell you if the math works.

Verdict

Install foam insert.

Payback in 2.2 years, saves ~$543 over its lifetime vs continuing to hand-clean.

Guard type	Install cost	Annual savings	Payback	Lifetime net
Stainless micro-mesh	$1,260	$333	3.8 yr	+$5,390
Reverse-curve (helmet)	$1,680	$298	5.6 yr	+$5,758
Foam insert	$420	$193	2.2 yr	+$543

Fine print. Payback assumes cleaning costs stay flat and the guard performs to spec. Micro-mesh clogs with pine pollen in the East Mountains — plan an annual brush. Reverse-curve overshoots in monsoon downpours >2"/hr; pair with 3×4 downspouts.

Next step

Installing guards? Bundle it with a tune-up.

We can re-hang loose gutters, re-pitch runs, and install guards in one visit. Save the second trip charge.

Get a Bundle Quote See a sample report