Even though spray foam has a higher upfront cost, the lifetime costs are actually much lower in comparison. Cellulose will eventually sag, shift, and settle over time, which means you’ll need to regularly maintain it and eventually replace it. You won’t have that worry with spray foam insulation, as it stays right where it is applied for the life of the house unless someone removes it. Spray foam insulation also has the ability to form an air seal that will keep the outside temperatures and lower your utility cost as a result.
Depending on your specific goals, you may prefer the smaller upfront cost of cellulose insulation, but we’d encourage you to weigh the long-term cost-savings of spray foam insulation. Overall, we’ll call spray foam the winner in terms of cost due to it having lower maintenance cost and it’s cost savings from improved energy efficiency.