Maintenance, repairs, insurance, and other expenses Spending
How much American households spend on maintenance, repairs, insurance, and other expenses — 2024 data from the BLS Consumer Expenditure Survey
Spending Insight: Maintenance, repairs, insurance, and other expenses
American households spent an average of $2,926 on maintenance, repairs, insurance, and other expenses in 2024, representing 3.7% of total consumer expenditures. This marks a notable 12.6% increase from 2023 ($2,599), outpacing general inflation and suggesting growing consumer prioritization of this category.
Historical trends for maintenance, repairs, insurance, and other expenses show how consumer priorities shift over time as wages, prices, and preferences evolve.
Income is the strongest predictor of maintenance, repairs, insurance, and other expenses spending: the top income quintile spends $5,467/year versus $1,215 for the lowest quintile — a 4.5x gap. Regionally, the Northeast spends the most ($3,345/year) while the South spends the least ($2,657/year). Use the cross-cuts below — by income, region, age, household size, and housing tenure — to see which demographic factors drive this category hardest for your situation.
Spending Trend (2020–2024)
| Year | Annual Amount |
|---|---|
| 2024 | $2,926 |
| 2023 | $2,599 |
| 2022 | $2,559 |
| 2021 | $2,335 |
By Income Level (2024)
How maintenance, repairs, insurance, and other expenses spending varies across income quintiles
| Income Group | Annual Amount |
|---|---|
| Lowest 20% | $1,215 |
| Second 20% | $2,142 |
| Middle 20% | $2,835 |
| Fourth 20% | $2,961 |
| Highest 20% | $5,467 |
By Region (2024)
Geographic variation in maintenance, repairs, insurance, and other expenses spending
By Age Group (2024)
How maintenance, repairs, insurance, and other expenses spending changes across the lifecycle
By Household Size (2024)
| Size | Annual |
|---|---|
| 1 Person | $2,021 |
| 2 People | $3,316 |
| 3 People | $3,373 |
| 4 People | $3,223 |
| 5 or More | $3,309 |
By Housing Tenure (2024)
| Tenure | Annual |
|---|---|
| Homeowner (with mortgage) | $4,481 |
| Homeowner (no mortgage) | $4,704 |
| Renter | $4,187 |
Frequently Asked Questions
How much does the average household spend on maintenance, repairs, insurance, and other expenses? ▼
Is maintenance, repairs, insurance, and other expenses spending increasing? ▼
How does income affect maintenance, repairs, insurance, and other expenses spending? ▼
Which region spends the most on maintenance, repairs, insurance, and other expenses? ▼
Which age group spends the most on maintenance, repairs, insurance, and other expenses? ▼
Does household size affect maintenance, repairs, insurance, and other expenses spending? ▼
Spending Guides
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Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the BLS Consumer Expenditure Survey. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.
