A 1990s house is 27 to 36 years old. The building itself is usually sound. Poly B runs to about 1995, and everything mechanical installed new with the house is now past a normal service life. Here is what holds across the whole decade, what changes depending on the exact year, and what each one costs.
These apply whether it was built in 1990 or 1999. Ages are counted to 2026.
Polybutylene supply plumbing
Homes built between the mid 1970s and the late 1990s sit in the polybutylene window. Poly B is grey, smooth and flexible, it reacts with chlorine over the years, and it fails without warning rather than by leaking slowly first. That failure mode is why it comes up when a policy is arranged.
A whole house repipe runs $6,000 to $18,000, a whole house repipe, and $10,000 to $20,000 in Metro Vancouver.
Look at the pipe where it comes out of the wall at the water heater and under the kitchen sink. Poly B is usually grey, sometimes white, silver, black or blue, and often has PB or the word Poly stamped on it. One photo of each answers it.
Say this to the agentWhat are the supply pipes made of, and is there any poly B or galvanized left anywhere in the house?
The systems are 27 to 36 years old, if they are original
A house built in 1990 is 36 years old and one built in 1999 is 27, and so is every system in it that has never been replaced. That is the part a listing photo cannot show you, because a replaced furnace and an original one look identical from the doorway.
All of these carry a date. The water heater has a rating plate near the top of the tank, usually with the date encoded in the serial number, and the furnace and the air conditioner both carry a dated label. Photograph them.
Say this to the agentHow old is the water heater, and is it owned or rented? Has the air conditioner been replaced, and if so when? How old is the furnace, and has the heat exchanger ever been checked? When was the roof last done, and is there paperwork for it?
This is what is typical for the year. It is not a finding about this house.
Photographs of the panel, the basement and the water heater would tell you whether any of it applies to the house in front of you.
Every dollar figure on this page comes from the Casaroo repair cost dataset, published openly with its methodology, version and licence. Each item links to the guide that lists its own sources. Figures are 2026 Canadian dollars and are ranges, not quotes.
The year is what changes the answer. Pick it and you get the specific read.
Built from the Casaroo knowledge base in 2026. Ages on this page are counted to 2026. Educational and impartial, not a home inspection.