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Labor Cost Projection for Construction Budgets

The most common source of budget overruns on NYC construction projects is not material cost — it is labor. Specifically, it is the gap between a rough hours estimate applied to a single blended rate and the reality of a diverse crew with multiple classifications, benefit obligations, and overtime exposure.

The Hours-Based Estimation Model

The foundation of any accurate labor estimate is a classification-level hours schedule. Rather than estimating “electricians” as a single number, you break the scope into discrete job classifications:

ClassificationEst. HoursRate/hrSubtotal
Electrician – Journeyman4,200$89.24$374,808
Electrician – Foreman840$98.16$82,454
Electrician – Apprentice (4th Year)600$62.47$37,482
Total$494,744

This breakdown lets you model the actual crew composition rather than averaging everything to a single journeyman rate. The WageHound Cost Projection tool loads every current classification for every tracked union, so you enter hours and get the total cost automatically.


What the Total Package Rate Includes

When WageHound displays a “Total Package” rate, it reflects the base wage plus all required fringe benefit contributions. What it does not include are the additional employer payroll taxes and insurance costs. For a complete picture, you need to layer on the following:

FICA (Social Security + Medicare)
Applied to base wage only, up to the annual SS wage base (~$168k in 2025)
7.65%
FUTA (Federal Unemployment)
Applied to first $7,000 of each employee's wages
0.6%
SUTA (NY State Unemployment)
Varies by employer experience rating; new employers typically pay ~3.4%
2.1–9.9%
Workers' Compensation
Electricians ~$8–12/hr; Laborers ~$18–24/hr depending on class code and carrier
Trade-dependent
General Liability Insurance
Typically 2–4% of payroll for specialty contractors; higher for civil/demo work
Project-dependent

Use the WageHound Labor Burden Calculator to add these on-costs to the prevailing wage package and arrive at a fully burdened hourly rate ready for your estimate.


Overtime: The Hidden Multiplier

Prevailing wage schedules publish straight-time rates. In NYC construction, overtime is unavoidable on most projects. The rules vary by trade CBA, but a general framework:

  • 1× (straight time): Monday–Friday, hours 7:00 AM – 3:30 PM or per CBA start/end times
  • 1.5× (time and a half): Daily overtime beyond 8 hours, Saturday hours, and some holiday prep days
  • 2× (double time): Sundays, legal holidays, and emergency after-midnight work
Estimating Rule of Thumb: For a standard NYC project with moderate schedule pressure, budget 10–15% of total labor hours at 1.5× and 2–5% at 2×. For fast-track or phased occupancy projects, those percentages can double.

Using WageHound for Bid-Leveling

When evaluating subcontractor bids, labor cost projection data becomes a bid-leveling tool. The process:

1. Request a crew schedule from each bidder

Ask each sub to provide their assumed crew composition — how many Journeymen, Foremen, and Apprentices for each major phase. This surfaces scope and productivity assumption differences early.

2. Apply current prevailing wage rates

Use WageHound to price each bidder's crew schedule at the prevailing rate. The output is the “prevailing wage floor” for that scope. Any bid that comes in significantly below this number warrants scrutiny — the sub may be planning to use a lower non-prevailing rate or miscounting classifications.

3. Normalize for productivity differences

If Sub A assumes 4,000 hours and Sub B assumes 5,200 for the same scope, you need to evaluate whether the hour difference is a realistic productivity assumption or a scope gap. The pricing tool helps isolate the labor cost from the quantity.

✓ Cost Projection Checklist

  • Break your scope into discrete job classifications — never use a single blended rate.
  • Pull the current effective date rates from WageHound before starting any estimate.
  • Add a separate overtime budget line using your schedule-driven OT assumption.
  • Layer in payroll burden (FICA, SUTA, WC, GL) using the Labor Burden Calculator.
  • Apply a trade-specific escalation factor for each year of the project using the Analytics page.
  • Cross-check your hours schedule against bid submissions during leveling.