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Last updated on January 5th, 2024 at 05:21 pm


Does your ideal fireplace project cost more than you can easily pull out of your bank account? You still have options. With the right financing solution, you can pay what you can afford now and spread the rest of the cost across future monthly payments.

At Four Day Fireplace, we partner with Hearth Financing to help customers find affordable monthly payment options for their projects. With this program, you have multiple fireplace financing choices based on your financial situation and preferences.

How Much Do Fireplace Projects Cost?


Fireplace remodel costs can vary quite a bit, depending on the scope of the work. If you’re simply refacing your existing fireplace, it may be a relatively inexpensive project. On the other hand, building a new fireplace from scratch with a chimney or new gas line will cost quite a bit.

The cost of your project also depends on factors like local labor costs, material shortages, and inflation. Here are a few estimates for fireplace project costs in the Pacific Northwest:

Building a New Fireplace

Building a new fireplace, or rebuilding from scratch, can be a very costly project. If you plan to build a new wood or gas fireplace, you can expect to pay at least $9,000-$11,000. The cost may be higher if you hire a separate interior designer or need to remove an old prefab fireplace first. 

Electric fireplaces are usually much cheaper. You may be able to install a new electric fireplace for $2,000-$3,000.

Keep in mind that the cost of your fireplace can go up quite a bit if you want a bespoke design and rare or high-end materials. If you want a custom-designed fireplace that doesn’t look like anyone else’s, your project cost may be substantially more than the ranges we provided above.

Changing Fuel Sources

Many homeowners these days are looking to convert their wood-burning fireplace to a gas fireplace. Gas fireplaces are cleaner, safer, and easier to maintain than wood. However, the conversion can be a fairly expensive process depending on your home’s existing fireplace and gas lines.

It typically costs $5,500-$6,500 to run gas lines, set up venting, and install a gas insert unit. However, your final cost may be lower or higher.

Replacing the Mantel

A new fireplace mantel can completely change the appearance of your fireplace and living space. A mantel can be an incredibly ornate work of art, a simple shelf-like beam of wood, or anything in between.

Typically, this kind of project costs $800-$1,500 before installation. Again, your actual cost may be significantly higher if you hire a separate interior designer to help.

Painting a Fireplace

Painting is usually one of the cheapest home improvement and interior design projects you can do. White painted fireplaces have become particularly popular, although homeowners need to be careful that they are choosing heat-resistant paint that won’t peel or blister.

According to Home Advisor data, the average cost for painting a small fireplace is $656. However, your cost may be much higher or lower depending on whether you hire a professional painter or go the DIY route. 

If you paint the fireplace yourself, you may only have to pay for a gallon or two of heat-resistant paint. You will also need painting supplies if you don’t already have them.

Fireplace Refacing

Refacing a fireplace with stone typically starts at about $3,500. The final cost may be higher depending on the type of stone you choose.

Refacing with drywall is usually much less expensive. According to Home Advisor data, the average cost to hang or install drywall is about $1,690.

To get an estimate for your project, contact the Four Day Fireplace team for a free quote.

Paying For Your Project With Hearth Financing


Were the numbers we provided above higher than you expected? Don’t worry – your project may be more in reach than you think.

With the right financing, you can afford the fireplace you want right now. You don’t need to wait or compromise on material quality just because the money isn’t in your checking account right now. 

Our partner, Hearth Financing, offers a wide range of loans and terms for borrowers:

  • Loans from $1,000 to $250,000
  • Terms from 2 to 20 years
  • FICO scores as low as 550
  • Rates as low as 4.99% APR
  • 0 per-loan fees

Get pre-qualified today to find out what you’re eligible for!

Is Hearth Financing Right For You?

Hearth Financing gives you the options and information you need to afford your ideal project. Here are a few advantages of financing your project through Hearth:

No hard credit checks before you decide

With Hearth Financing, you can see your pre-qualified monthly payment options without a hard pull on your credit. You can fill out the pre-qualification form to see estimates of your financing options for each project.

No prepayment penalties

Some other lenders charge penalties when loan recipients pay off the loan ahead of schedule. If you are able to pay off your Hearth loan early, you won’t face any extra fees.

Qualify for a larger project

Hearth Financing shows you financing options for the amount you request, but it doesn’t stop there. They also show you the highest loan amount you qualify for, which may be as much as $250,000. You can probably afford a higher-end project than you think! 

Options for low credit scores

If your FICO score is 550 or above, Hearth has options for you. Hearth Financing has a network of 18 lenders, and you only need to fill out one pre-qualification form to learn about your options. 

If you have questions about financing through Hearth, reach out to the Four Day Fireplace team today. We can give you the information you need or refer you to an advisor from the Hearth team.

Start Building Your Ideal Fireplace Today


Your fireplace project doesn’t have to wait. With the right financing, you can make your project affordable and create the beautiful living space of your dreams.

Get pre-qualified for Hearth Financing to explore your monthly payment options. Hearth will show you how you can afford your fireplace project.


3923 88th St. NE Suite A Marysville, WA 98270

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