How much does it cost to furnish a house? A complete Guide


How much does it cost to furnish a house: There are numerous variables at play here. A house can gain new life with the help of the correct decor. It’s possible to go a little bit crazy when it comes to decorating the inside of your home. A budget is essential if you want to keep from having to declare bankruptcy.

The Difference between Furnishing a Primary and Secondary Residence

While furnishing a permanent residence, as opposed to a vacation home, it is vital to think about things like style, quality, durability, and seasonality.

Comparison of Sizes and Designs

The total square footage of a home has a significant bearing on how much it will cost to outfit. You should allocate a certain percentage of the total cost of constructing your home for home furnishings. The budget for building a house rarely includes the money needed to fully furnish it. Removing debris and completing landscaping are two examples of polishing touches. Andrea Woroch, a consumer and budgeting specialist, says that, depending on your financial circumstances, your budget for outfitting the home might range from ten percent to fifty percent of the cost of the property. As a result, for a $300,000 house, the cost of furnishings could range from $30,000 to $150,000. You should be able to keep your expenses in the middle or lower part of that range if you implement a few of Woroch’s tips for saving money. The home’s architectural style will have an immediate impact on your furnishings budget. Many newly built homes feature open, transitional layouts that provide customers more freedom when it comes to furnishing and decorating the inside. You may have just finished building a beach house or a rustic cabin, and you want to furnish it, but you’ve discovered that some styles just don’t work in either of those environments.

Quality and Durability

Because they know their primary property will see a lot of usage and abuse, most people prioritize the purchase of high-quality pieces of furniture over purchasing a large amount. Whether or whether you intend to rent out your second house to tourists while you aren’t using it will likely influence the decision regarding how frequently you will use it as a getaway spot. If the second property will be used just sometimes and not rented out, you have more leeway to choose furnishings that are easier on the wallet. If you intend to rent it out, it might make more sense to select more durable items.

How to Furnish the Entire House

How much it costs to furnish a house also depends on the style priorities of the owner. If they want advanced-level housing furniture, it will surely cost them a lot. When it comes to buying furniture for a new home or renovating old furniture, there are a few different approaches that can be taken.

  • Firstly, you have the option of working with a retail store’s in-house designers, but you should be aware that the store’s recommendations will be the only ones considered.
  • Second, it’s something you can easily perform on your own. You are responsible for everything, including measuring, developing the design plan, locating the furnishings, and purchasing it all. When you decorate using this method, you can buy things at your own pace and pay whatever price you choose for them. It is the method that offers the best value for the money when it comes to furnishing your home.
  • Last but not least, you have the option of employing a designer to either E-design the room for you or to take charge of the full project. In the following paragraphs, we will discuss the expenses involved in having a home decorated by a designer on a more modest spending plan.

Because designers can negotiate with manufacturers to purchase your bespoke furniture, the pricing is often comparable to what you would pay at a retail store such as Pottery Barn, Crate & Barrel, or Aarhus. This information is provided before you receive sticker shock. You won’t buy it as cheap as on eBay or Wayfair, but you will receive the quality that will continue to look good even after a long period of use.

How do designers set their prices?

Another thing to keep in mind is that the values listed here for the cost to furnish your home do not include design expenses. In most cases, the design price will either be a one-time, flat payment that is billed immediately, or it will be an hourly billable rate that requires an expected retainer. One price will cover the entirety of the work, from beginning to end, and it will be a flat charge. An initial retainer payment will be made as part of an hourly fee to cover a portion of services while the client’s time is tracked. The remaining balance will be billed to the client monthly as the hours are worked.

The Additional Charges

When you compare the cost of the furniture at wholesale to the price you will pay the designer, there is typically a markup involved. I always make it clear that there is a cost already factored in; this cost accounts for the resale tax that I have to pay as well as the money that it takes for me to maintain trade accounts and find these products. Even though the expense is passed on to the customer, the prices of the pieces are typically comparable to those found in retail despite their superior level of craftsmanship. In conclusion, the practice of adding a markup to an item’s price is done for a straightforward reason: since this is a business, the markup helps cover the overhead expenses associated with operating a business. This not only offers you, the customer, high-quality furnishings but also rewards the designer for the work they have spent. Because a portion of the expense is covered by the furnishings, the interior designer can charge a fee that is more reasonable by adding a markup to the wholesale price.

In all likelihood, you won’t be able to haggle with Pottery Barn or Target over the prices of the furniture they sell, and the same logic should be applied when working with a designer. We appreciate the time and money of our customers just as much as we do our own. This enables us to give high-level service while also engaging in the aspect of design that we enjoy the most.

Added Costs of Tax and Shipping

I brought this up in the paragraphs that came before it, but it bears repeating because it is important to emphasize that the price of the furniture itself does not include all of the accompanying costs, such as sales tax and shipping. When you purchase from a big box retailer, the price of your item will typically include these charges. However, you might be startled to learn that the retailer will charge you for delivery, receiving, and holding the items until installation, in addition to the fees connected with shipping the furniture from one state to another before it can be delivered to your house. Last but not least, there is typically an expense involved in having movers bring everything in on the day of the installation. However, before signing on the dotted line, all of these expenses will be factored into your financial plan. You may not have been aware that these prices existed, but they can be factored into your budget. However, when you come up with a definitive number for your budget, you should anticipate having to cut the actual furniture you want to purchase by 15% to cover these additional fees. You may be curious about the benefits of buying from a designer. Why not just make one trip to Pottery Barn and get everything there? This is most definitely a possibility, and it’s a fantastic alternative for do-it-yourself web design! If, on the other hand, you are going for the HGTV-style, all-inclusive, full-service design, then you should anticipate that the designer would select and acquire all of your furnishings and accessories on your behalf. The following are a few reasons why you should consider hiring a designer:

The Unique Design

The one-of-a-kind Styling Designers have relationships with one-of-a-kind retailers. If you are seeking that designer’s signature style, the designer likely draws on resources that are not openly accessible to the general public. This is a wonderful thing since you don’t want the entire neighborhood to feel like your personal space; rather, you want a space that’s just yours. Therefore, you must adhere to the design concept and allow the designer to work his or her one-of-a-kind magic in the area!

Excellent Quality

When you use a designer for your furniture, you get higher-quality items at the same price point, which is another advantage of doing so. I have access to vendors who manufacture incredible, high-quality furniture and fixtures at pricing points equal to those offered by Pottery Barn, but the quality of their work is significantly higher. I’m not trying to badmouth PB because I like a few of the products they sell; nevertheless, with the larger purchases, we want to prioritize durability.

Decreased Amounts of Time Required

If you choose to order all of your furnishings and fixtures through a designer, then these tasks will be handled by the designer. This will allow you to focus on enjoying the design plan, visualizing what your home will look like shortly, and avoiding the stress of ordering and tracking while you wait for the ideal “big reveal” moment.

A fantastic design!

The last thing we want, but it’s certainly not the least important, is a good design plan. The architect has utilized their expertise and much time to draught the ideal floor plan for your property and household. We intend to stick to the pieces that have been selected based on your space and your style. When we start deviating from those components, the design strategy starts to go in the wrong direction. If you make too many single-item purchases, the room won’t have a coherent aesthetic; remember that each piece of the puzzle is connected to the others. In addition, there is no need for concern because the designer has a backup item that is equally as great and may be substituted for the delayed or back-ordered item(s), subject to your permission, as part of the simplified and speedy design process.

What’s included in the Budget?

  • Furniture
  • Rugs
  • Illumination (ceiling and lamps)
  • Artwork
  • Draperies
  • Fashioning aids and implements

What is not included in the budget?

  • Paint
  • Moldings/trim work
  • Built-ins, cabinetry
  • Contractor costs for renovations
  • Flooring
  • Stonework
  • Countertops

Even if the cost of painting and getting quotes from contractors is not covered by the furnishings section of the budget for interior design, these costs will not be a surprise to you. If your design plan and budget call for these additions, they will be incorporated into the plan BEFORE a final cost is determined. However, it is important to keep in mind that a budget for furniture is not the same as a budget for refurbishment in and of itself. Before signing an agreement and moving forward with the work, it was decided to bring in a contractor to discuss the costs involved.

The budget breakdown for the cost of furnishing a house that is 2000 square feet in size

To properly furnish a home requires the completion of a long list of tasks. In addition to this, you need to be very knowledgeable. For example, how far away from the wall is to place the rain shower head, where to put the vase, and what color to paint the walls. However, the cost of furnishing the house is the single most crucial thing that you need to find out. You are aware that it will cost approximately $16,000 to fully furnish a house that is 2,000 square feet, but you would still need more specifics, aren’t you? To begin, the majority of your budget will go into purchasing furniture. The next step is to invest some money in the smaller elements, such as carpets, pillowcases, and lamps, to make your home appear more inviting. On top of that, different pieces of furniture are required for each area; thus, why don’t we take a closer look at those requirements now?


The home that you live in full-time should be cozy and inviting throughout the entire year, yet many vacation homes and cabins are only occupied during one certain season of the year. You won’t need flannel bedding or thick throws to stay warm if you have a seaside cottage that you utilize throughout the summer. In addition, a ski lodge does not need to include heat-blocking window treatments or ceiling fans. As a result of seasonal use, the temperature inside of your vacation home may experience significant swings, which may cause some types of furnishings to become irreparably damaged.

Decorating Cost Estimates for Primary and Secondary Residences

Create a line-item budget once you have determined a spending limit and thought about how you will use the funds. The more you can segment your spending by space, the better it will be to direct your major (couches, beds), and little (tables, chairs) product selections (table lamps, decor).

Categories That Should Be Included in a Starter Budget for Furniture and Decorating

The following are the principal costs associated with furnishing and decorating a regular residence as well as a vacation home:


This is the category that will cost you the most money, but it’s also the one where you have the most flexibility to spend more or spend less, which is especially important for your holiday home.


Just as with furniture, if you want something to last for a long time in high-traffic areas, you’ll need to invest more money.


The costs in this category range widely, so it is essential to make a thoughtful pick because you may find anything from vintage table lamps to dramatic floor lights here.

Wall Decor

You’ll likely hang up any works of fine art that you acquire on your primary property. When decorating a second home on a budget, themed pieces can help keep everything on track.

Treatments for windows

The windows in your primary residence could call for high-quality custom drapes or other types of window treatments, but if you have a second house, you can probably get away with using more wallet-friendly off-the-shelf solutions.

Styling accessories

This catch-all category includes things like pillows, throws, and decorative accents. These are the elements that give your interior personality, but you need to be careful because these minor expenditures add up quickly.

Advice on Keeping Your Furniture and Décor Expenses within Your Budget

Maintaining financial discipline might be challenging at times. The following are some ideas that can help you build beautiful interiors without breaking the bank. Choose things that have been previously owned. However, this does not imply that it is impossible to locate vintage furniture of a high quality that may be used in a primary residence.

An Allotment of funds for a distinct portion of the house’s budget

Okay, time to get ready. It is time to go through the house room by room to determine how much it will cost to individually furnish each space.

The Living room

To begin, let’s talk about the living room, which is where you’ll spend the most money while you’re furnishing your home. However, that is not the first place that the guests go when they arrive. Therefore, you need to invest more if you want to make a strong first impression. But in what should one invest? Things like a sofa, coffee tables, a rug, a chandelier, and other such items. Having said that, there is something else you need to additionally add. You may give the space a cozier, more welcoming vibe by decorating it with things like picture frames, lamps, and other trinkets. And there is a cost associated with every one of these things. However, their prices are not consistent, so it is helpful to get an idea of how much money you could expect to spend on them on average.

The Dining room

When it comes to furnishing, the dining room is the next space that requires consideration. You also want it to have an impressive appearance. However, it’s also true that it isn’t typically packed to such a high degree.

The Bedroom

And now, we have arrived in the bedroom. When it comes to the design of bedrooms, you may now exercise your creative side, but first, you will need to purchase the bed and the pillows.

In the future, you will have the opportunity to express your individuality and creativity in the design of your bedroom. An additional piece of advice is to concentrate on the bedroom just after you have finished the rest of the house. This is because the bedroom is the final location that guests will go to see unless they live very close to you. Having said all of that, let’s have a look at how much it costs to fully furnish a bedroom. However, before we get too far into it, before we get too deep into it, let us remind you that a house that is at least 2,000 square feet has at least three bedrooms.

Frequently Asked Questions

When is the most advantageous time to shop for new furniture?

Purchase new pieces of furniture at the tail end of winter and during the final few days of summer to take advantage of sales and deals.

When is the best time to shop for furniture—before or after moving in?

You should shop for furniture before moving in so that you don’t have to deal with any tension or problems.

Why, therefore, does furnishing the dining room continue to cost such a fortune?

The dining table and chairs might easily set you back a small fortune. In addition to that, you need to use some opulent decorations like mirrors and art in the design to make it look attractive. And if you want to go all out, you can even put a sink on the island to give it a more finished look. This is an option only if you are willing to go all the way. But this is only possible once the fundamental requirements have been met. In such a case, your budget will be depleted, and you won’t have anything left over to invest in the other rooms. Therefore, it is usually a good idea to go for supplementary things once the fundamentals have been taken care of.

How long does it typically take to get a house fully furnished?

It takes between six and eight hours, on average, to equip a typical house that has three bedrooms.

Why you should buy furniture from a designer?

Before you can engage with a designer, you will need to determine whether or not you have the financial means to do so. Now that we’ve established that, let’s talk about the rough estimate of how much it will cost to fully outfit your home from the beginning. But you shouldn’t let this deter you in any way. There are ways to lower the cost of working with a designer while maintaining the quality of the job, so if you are considering working with one but the economics don’t work out, there are options. If you are close to these budget numbers, you may be able to make adjustments by purchasing consigned or vintage pieces to save money. I fully admit that working with a designer isn’t for everyone or everyone’s budget, but if you are close to these budget numbers, you may be able to work with a designer.

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