You’ve signed the papers, collected your keys, and crossed the threshold into your new home. Congratulations! But before you settle in, there’s one more question to tackle: how much does it cost to furnish a house?
Whether you’re a first-time buyer or upgrading your space, furnishing is a big part of turning your new house into a home.
In this article, we’ll explore what you can expect to spend, where you can save, and how to plan your furniture budget wisely.
Purchase or refinance with GO Mortgage.How much does it cost to furnish a house in 2025?
Furnishing costs vary widely depending on the size of your home, your style, and how quickly you want everything in place.
In 2025, the national average cost to furnish a home ranges from $10,000 to $50,000, with high-end finishes pushing that total even higher.
But don’t worry—there are smart ways to stretch your dollars without compromising style.
Most homeowners spend 10% to 50% of their home’s value over time furnishing and decorating.
You may not need to furnish everything at once, but it’s important to factor these expenses into your post-closing budget.
What factors affect furnishing costs?
Several elements influence how much you’ll ultimately spend furnishing your new space:
- Square footage: A 900-square-foot condo will cost less to furnish than a 3,000-square-foot family home.
- Quality of furniture: Entry-level pieces from big-box retailers are more affordable than luxury or custom items.
- Room purpose: Prioritize comfort and function in high-traffic areas like the living room or primary bedroom.
- Finishing touches: Don’t forget rugs, curtains, lighting, wall art, and decor—they can add thousands to your total.
Keep in mind: your furnishing plan should match the scale and style of your home. A modest starter home doesn’t need $10,000 sofas, and a large open-concept space won’t feel finished with just the basics.
Room-by-room estimates for new homeowners
Here’s a quick look at average furnishing costs by room:
- Living room: $2,000–$10,000 (sofa, coffee table, TV stand, rug, lighting)
- Dining room: $1,000–$7,000 (table, chairs, buffet or storage)
- Primary bedroom: $1,500–$8,000 (bed frame, mattress, nightstands, dresser)
- Guest bedroom: $500–$3,000
- Home office: $500–$2,500
- Outdoor/patio: $300–$5,000
- Finishing decor (curtains, art, accessories): $1,000–$6,000
These numbers can increase rapidly if you’re furnishing multiple rooms simultaneously. That’s why it’s important to plan ahead and tackle your priorities first.
How to save money when furnishing a home
Buying furniture doesn’t have to break the bank. Here are several strategies to help you save while still creating a space you love:
Ask the right questions
Before buying anything, take a moment to evaluate:
- How often will I use this room?
- Is comfort or durability more important here?
- Can I add this to an existing space or start fresh?
- How much storage do I need?
Start with high-impact rooms, such as your bedroom or living area, and opt for versatile pieces that can adapt as your needs evolve.
Set a realistic budget
You don’t need to furnish your entire home overnight. Prioritize core rooms first and build over time.
Set a savings goal with a timeline, and consider what you can spend monthly or quarterly toward furnishing your space.
Need to factor furniture into your broader homeownership plan? Use our mortgage calculator to see how your monthly payments could affect your furnishing budget.
Repair or refurbish what you already have
Before replacing that old bookshelf or wobbly chair, consider if a little TLC could give it new life. A coat of paint, new hardware, or a reupholstered seat can make a world of difference for a fraction of the cost.
YouTube is full of simple DIY tutorials—no expert skills required!
Shop secondhand or use online marketplaces
Explore local consignment shops, thrift stores, or platforms like Facebook Marketplace, OfferUp, and Craigslist. Many gently used items are sold for less than half their retail price.
Just be cautious:
- Avoid items with strong odors (e.g., smoke or mildew)
- Look for signs of water damage or pests
- Confirm structural stability (no sagging, broken parts)
- Don’t buy used mattresses or upholstered items with unknown histories
Look for sales and garage deals
Seasonal furniture sales can offer major savings:
- Indoor furniture: Best deals appear in January/February and August/September
- Outdoor furniture: Late summer and early fall offer steep markdowns
Also, hit up neighborhood garage sales with an open mind—some gems just need a little polishing.
What furniture should you avoid buying used?
While pre-owned can save you money, there are a few items best purchased new:
- Mattresses: Hygiene and support matter—don’t skimp
- Cribs or children’s furniture: Safety standards change regularly; buy new to ensure compliance
- Upholstered pieces from unknown sources: Risk of hidden allergens, pests, or odors
How furnishing fits into your mortgage plan
Furniture isn’t just a decorating choice—it’s a financial consideration. New homeowners often overlook the costs of furnishing their homes when calculating their post-closing expenses.
Whether you’re budgeting for moving costs, repairs, or home decor, planning ahead gives you peace of mind and ensures you’re not stretching your finances too thin in the early months.
If you’re just starting your homeownership journey, you can learn more about what to expect in our guide to steps for buying a house or explore the benefits of buying a home.
Get financial guidance for your next step
Furnishing your home is an exciting part of becoming a homeowner, but it’s also a cost that can sneak up on you.
By building a thoughtful plan, shopping smart, and pacing your purchases, you can create a space that reflects your style without overspending.
Planning your first home purchase? Get started with GO Mortgage today. Our team is here to guide you through every step, from mortgage approval to move-in-ready.