February 1, 2020

How Much to Spend on a Mattress

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The average mattress costs between $200 and $1,500. Some cost as much as $5,000. What is a good amount to spend? Is a more expensive mattresses worth it?

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Only you know what type of mattress will suit your needs. A good place to start is your primary sleep position (and that of your partner). Are you a side or back sleeper? Or do you tend to switch positions frequently during the night?

You should also pay attention to the size you'll need, especially if kids end up piling into your bed. The materials that make up your bed matter too. You'll want a mattress that holds up well with use rather than fall apart.

Rule of Thumb
The average mattress lasts between 7 and 10 years and costs around $1,000. If you spend less, you'll likely buy a lower-quality mattress that will require replacement sooner.

Know Your Sleep Position

You spend 1/3 of your life on your mattress, so you want to be comfortable. Mattresses aren't a one-size-fits-all purchase. Each person has a different sleeping position and/or preferences.

Understanding your sleep position will help you choose the right type of mattress.

  • Back sleepers often prefer the firm surface of an innerspring or hybrid mattress.

  • Side sleepers often need the cushioning that a memory foam or pillow-top mattress offers.

  • Stomach sleepers need a combination of firmness for spinal alignment and cushioning for the pressure points, as is found in a hybrid bed.

Once you know your preferred sleeping position, you can find the mattress that fits within your price range.

Average Mattress Prices

Mattress prices vary greatly depending on the materials and features. On average, you can expect the following prices for a queen size mattress:

  • Innerspring mattress: $950–$1,000
  • Latex mattress: $2,000
  • Memory foam mattress: $900
  • Hybrid mattress: $1,650

Keep in mind that more expensive doesn't necessarily mean better. While "budget" mattresses (those costing less than $500) use cheaper or fewer materials, the excessively expensive ones aren't always the right fit for you. If they have features that aren't conducive to your sleep position, they could do you more harm than good.

What's Your Financial Situation?

If you need a mattress now, you're stuck with whatever amount of money you have saved at this point. If you can wait (and save) a bit, you may be able to find a better bed. We recommend spending at least $1,000 to get a good mattress that will last 7–10 years.

Here's an idea of what each price range will get you:

  • $300–$400
    These are your budget mattresses. They may consist of cheaper materials and will likely last only a few years. They are great for infrequent use, such as in a guest room, but may not provide the durability you need for your own bed.

  • $400–$600
    Mattresses in this price range may use slightly higher-quality materials. That means innerspring mattresses with more springs and foam mattresses that are thicker and more durable. You won't find hybrid mattresses in this price range. On average, you should expect to replace your mattress in under 10 years in this price range.

  • $600–$1,000
    This is where you'll find your average-priced mattresses. This includes all types of mattresses, even "low budget" hybrid beds. Many beds in this category come with at least a 10-year warranty and have supportive features including individually wrapped coils (innerspring), thick foam (memory foam), or a combination of the two (hybrid).

  • $1,000–$1,500
    At this price point, you'll start seeing luxury features. For example, a layer of gel over memory foam for temperature regulation, a thick layer of foam over an innerspring bed, or even latex mattresses.

  • $1,500–$2,500
    This is your "high-end" price point. You may find lifetime warranties or those lasting for at least 20 years. Mattresses in this category consist of the highest quality materials and often have a combination of supportive features.

  • $2,500 and up
    These are your high-end luxury beds that often have features the average person doesn't need. However, if toxicity or your environmental footprint is important to you, there are a variety of organic and eco-friendly beds at this price range.

Things to Consider

It doesn't matter if you spend $100 or $5,000 on a mattress. If you aren't comfortable, it's not a good fit. Focus on what you need.

  • Do you prefer a firm mattress or are you a side sleeper who needs pressure-point relief?

  • Do you like a pillow-top surface or do you prefer to lie on a firmer surface?

  • Will you sleep with someone else? If so, is motion transfer an issue?

Focus on these issues before the price point for the most comfortable choice.

The Size
The larger the mattress, the lower the quality at cheaper price points. Again, focus on your comfort. If you need a king size bed, consider saving for a higher-priced mattress to make sure you get high-quality materials and the level of support you need.

The Warranty
Whether you spend $500 or $5,000 a mattress is an investment. Find a mattress with a warranty that covers you for at least a few years. Even expensive mattresses can have issues and break down. Protect your investment.

The Trial Period
Mattresses often come with a trial period, especially those you buy online. Find one with a reasonable period for you to test your new bed.

Some are as long as one year while others offer a month or two. Pay close attention to the fine print too—many require you to try the bed for at least 14 days before making a decision.

How to Save on a Mattress

It's no secret that buying a mattress eats up a big part of your budget. But there are ways to save:

  • Shop Around
    If you like to try out a bed in person, try a traditional mattress store. But make sure you also shop online. You may find better deals on the same mattresses at stores that don't have the overhead that brick-and-mortar stores do. Most mattress companies offer a decent trial period, making it easy to buy online and return a mattress if it's not a good fit.

  • Shop Around the Holidays
    You may find the best mattress deals around major holidays such as the Fourth of July, Memorial Day, Presidents Day, Labor Day, Veterans Day, and Black Friday.

  • Price Match
    Many retailers price match the same mattress found cheaper elsewhere. Don't be afraid to ask for the lower price if you prefer one retailer over another.

  • Negotiate
    Mattress prices are often negotiable at brick-and-mortar stores. It helps if you've shopped around elsewhere. But even if you haven't, try using your best haggling skills to lower the price.

Additional Purchases

A new bed means more than just purchasing a mattress. You should also budget for the following:

  • Foundation
    Even if you have a box spring or foundation, it may not fit the new bed. Find out the exact specifications of the new mattress, including the type of foundation it requires.

  • Delivery
    Many mattress companies offer free delivery but leave the setup to you. If you prefer to have someone do it for you, add "white glove delivery" to your budget. This typically costs $99 or more depending on the company.

  • Mattress removal
    If you need someone to take your existing mattress away, it may add to the cost. Some mattress companies include this in the delivery cost while others charge for it.

  • Returns
    A free trial period means you may return the mattress within that time frame. However, you may have to pay for return shipping or pick up. The fees vary by company so be sure to double-check BEFORE you buy.

Bottom Line

The average person spends around $1,000 on a mattress. But the type of mattress and features you need will determine how much you should spend.

Think about how long you want to keep the same mattress and the importance of various features when choosing the one that suits you and your budget.

More from CreditDonkey:

How to Buy a Mattress

Best Time to Buy a Mattress

How to Choose a Mattress


Best Place to Buy a Mattress

You can buy a mattress just about anywhere—your local department store, mattress retailer or showroom, or even online. So where is the best place to buy a mattress today? Find out below.

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