Replacing a mattress isn’t cheap, and when every dollar counts, even small purchases can feel stressful. Maybe your old one’s worn out, you’re moving into a new place, or you’re just tired of waking up sore.
No matter the reason, a good mattress affects more than sleep. It can impact how you feel, focus, and function every day. This guide walks you through how much to spend on your next mattress, how to find the best deals, and ways to plan ahead so you can rest easy without breaking your budget.
Why your mattress budget matters
Sleep quality affects everything, from your focus at work to energy throughout the day and even your mood when dealing with daily challenges. Since a mattress typically lasts 7–10 years, planning your purchase carefully makes good financial sense.
Mattress prices vary widely across the market. According to data from online mattress company, Purple, you can find basic foam options for small beds starting around $200, while premium hybrids for larger beds can reach $4,000 or more. The good news? You don't need to spend a fortune for quality sleep.
How much does a good mattress cost?
The cost of a good mattress depends on the type and size. Before you shop, it helps to know what’s reasonable for your budget. Here’s what different mattress types typically cost.
Average Mattress Costs by Type
- Innerspring: $150–$900 — Best for people who prefer a traditional feel and firmer support.
- Memory Foam: $150–$1,200 — Best for comfort and pressure relief on a moderate budget.
- Hybrid: $300–$2,000 — Best for those who want both strong support and cushioning comfort.
- Latex: $200–$2,000+ — Best for people seeking long-lasting, eco-friendly materials.
Prices also vary by size. Twin mattresses may cost $150 to $700, queen sizes range from $200 to $1,500, and king sizes can reach $300 to $2,000 or more.
These ranges reflect current market pricing across budget, mid-range, and premium options. Budget models often provide adequate support for guest rooms or temporary use, mid-range mattresses balance durability with comfort features, and premium options include advanced materials and longer warranties.
Remember that the sticker price isn't your only expense. Factor in sales tax (typically 5–10%), depending on where you live, delivery fees (which can range $0–$150 or more), and disposal costs for your old mattress (which can be $15–$100). Some retailers bundle these services, while others charge separately.
How to decide what to spend
How much you spend on a mattress depends on your life right now, your space, family setup, and what you can comfortably afford. Consider these common scenarios to guide your decision:
- First apartment or small room? Spending $400–$800 can get you a supportive foam mattress or an entry-level hybrid that provides comfort without straining your budget for big purchases. These options tend to work well for studio apartments or smaller bedrooms.
- Couple sharing a bed? Plan for $800–$1,500 for a queen or king with better motion isolation. This range includes quality memory foam and hybrid models that minimize partner disturbance during sleep.
- Family household or long-term use? Investing $1,000–$2,000 in a durable hybrid or latex mattress makes sense when multiple people use the bed or you want extended warranty coverage.
- Kids, guests, or short-term rentals? Keep it practical with $300–$700 options that are easy to replace when needed. Twin and full sizes in this range offer good value for growing children or occasional visitors.
Just like determining how much you should spend on rent, your mattress budget should align with your overall financial picture.
When a mattress becomes an emergency
Sometimes, mattress replacement can't wait for the perfect sale or savings plan. Life throws curveballs that demand immediate action.
Your mattress might become unusable due to bedbugs, mold growth, or broken springs poking through the surface. A sudden move or eviction could force you to buy a new mattress quickly. Caregiving changes, like a child outgrowing their bed or an elderly parent moving in, can create urgent needs too.
In these moments, timing matters more than finding the absolute best price. Having access to your earned wages can help bridge the gap between payday and immediate needs.
With EarnIn's Cash Out1 lets you access up to $300/day with a max of $750 between paydays. No interest or mandatory fees. Just tip what you think is fair.2 Standard transfers typically take 1–3 business days.
Need money faster? Choose Lightning Speed3 to get your money in minutes, even on weekends or holidays, starting at $3.99 per transfer.
This option helps when you find a great mattress deal that won't last until payday, or when sleeping on the floor isn't an option.
Save ahead for comfort with Tip Yourself
If your mattress upgrade isn't urgent, planning ahead makes the purchase easier on your wallet. With EarnIn's Tip Yourself4, you can automatically set aside a small amount from each paycheck, and even $30–$50 at a time can add up fast. Tip Yourself is a no-cost, FDIC-insured account that lets you automatically or manually save a portion of each paycheck, with no monthly fees.4
If you're covering household bills and furniture expenses at the same time, you know how timing can make even routine expenses feel stressful. Setting aside money specifically for your mattress fund keeps it separate from your emergency fund while you work toward your goal.
You're not just saving for a mattress; you're saving for better rest, better mornings, and fewer money worries. Each contribution brings you closer to quality sleep without the financial strain.
Smart ways to save without cutting comfort
Strategic shopping can reduce your mattress costs significantly without sacrificing sleep quality. These proven tactics may help stretch your budget further:
- Shop during major sales. Labor Day, Memorial Day, and Black Friday typically bring the deepest discounts, up to 30–50% off regular prices. President's Day and Fourth of July also feature strong mattress promotions.
- Compare online direct-to-consumer brands. Companies like Casper, Purple, and Tuft & Needle skip retail markups, passing savings to you. Their business model may offer better value than traditional stores.
- Use trial periods wisely. Many online brands offer 90–365 night trials with free returns. This lets you test the mattress in your own home without commitment.
- Check for bundled deals. Many retailers include free pillows, sheets, or bed frames with mattress purchases. These bundles can save a few hundred dollars versus buying items separately.
- Avoid risky bargains. Skip "too good to be true" prices from no-name brands with poor reviews. Also watch for confusing financing terms, hidden fees, or unusual "restocking" charges that inflate your total cost.
Consider certified refurbished or floor model mattresses from reputable retailers. These options typically cost 30–50% less than new while maintaining quality standards and warranties.
Rest Easy: Your Mattress and Your Money Can Align
A mattress isn't just another purchase; it's part of your daily well-being. Quality sleep can improve your work performance, health, and daily mood. Whether you're replacing an old mattress or upgrading for better comfort, planning your budget makes the entire process smoother.
The key is finding the right mattress price for your situation. Factor in the total cost, including taxes, delivery, and disposal fees, and time your purchase around major sales if you can.
With tools like Tip Yourself4, to save gradually and Cash Out1 for those moments you can't wait, you can take care of comfort without losing sleep over money.
Your path to better sleep doesn't require financial stress. You work hard to earn your rest. Let EarnIn help you make the most of it.
Frequently Asked Questions
How often should I replace my mattress?
Most mattresses last 7–10 years with proper care, according to MattressFirm, though this varies by material type and usage. You may opt to replace your mattress sooner if you notice sagging, lumps, or if you start waking up with aches.
What's a fair price for a queen mattress?
Queen mattresses typically range from $200–$1,500, with good quality options available between $700–$1,200. Your ideal price depends on which materials and features you prioritize.
Are expensive mattresses worth it?
Higher-priced mattresses often include better materials and longer warranties, but mid-range options ($700–$1,500) provide excellent value for most people. Focus on comfort and support over price alone.
Can I finance a mattress without hurting my credit?
Many retailers offer 0% financing for 12–24 months, though watch out for deferred interest that kicks in if not paid in full. BNPL options may not require credit checks, but can charge fees.
How can I save up for a mattress on a tight budget?
Start small by setting aside $30–$50 per paycheck using Tip Yourself.4 Shop during major sales, consider certified refurbished options, and compare online brands for better value without sacrificing quality.
Please note, the material collected in this post is for informational purposes only and is not intended to be relied upon as or construed as advice regarding any specific circumstances. Nor is it an endorsement of any organization or services.
This Blog was sponsored by EarnIn. While the author received compensation, the information shared is grounded in independent research and intended to provide helpful and accurate guidance to readers.
EarnIn is a financial technology company, not a bank. The Cash Out product is provided exclusively by EarnIn. Certain bank products are provided by Evolve Bank & Trust and/or Lead Bank, Members FDIC. The FDIC insures deposits to protect your money in the event of a bank failure. More details about deposit insurance here. Additional services in the app are offered in partnership with trusted third parties.
1
A pay period is the time between your paychecks, such as weekly, biweekly, or monthly. EarnIn determines your daily and pay period limits (“Daily Max” and “Pay Period Max”) based on your income and financial risk factors as outlined in the Cash Out Maxes section of our Cash Out User Agreement. EarnIn reserves the right to adjust the Daily Max and Pay Period Max at its discretion. Your actual Daily Max will be displayed in your EarnIn account before each Cash Out.EarnIn does not charge interest on Cash Outs or mandatory fees for standard transfers, which usually take 1–2 business days. For faster transfers, you can choose the Lightning Speed option and pay a fee to receive funds within 30 minutes. Lightning Speed may not be available at all times and/or to all customers. Restrictions and terms apply; see the Lightning Speed Fee Table and Cash Out User Agreement for details and eligibility requirements. Tips are optional and do not affect the quality or availability of services.
2
Tips go to EarnIn and help us provide tools such as Credit Monitoring for free and keep Lightning Speed fees low. Your service quality and availability aren’t affected by whether you tip or not.3
Lightning Speed is an optional service that allows you to expedite the transfer of funds for a fee. Depending on the product, the fee may be charged by EarnIn or its banking partner. Lightning Speed may not be available in all states and/or to all customers. Actual transfer speeds depend on your bank. See the Lightning Speed Fee Table for details.4
Tip Yourself Account funds and Tip Jars are held with Evolve Bank & Trust, member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service deposit account. For more information/details, visit Evolve Bank & Trust Customer Account Terms. The FDIC provides deposit insurance to protect your money in the event of a bank failure. More details about deposit insurance here.
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