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How Much to Budget for Home Maintenance

How Much to Budget for Home Maintenance

The 1% Rule

Budget 1% of your home's value per year for maintenance. A $300,000 home needs about $3,000/year. Older homes may need 2-3%.

Where the Money Goes

  • HVAC tune-ups: $150-$300/year
  • Plumbing repairs: $200-$500/year
  • Exterior maintenance: $200-$500/year
  • Appliance repairs: $200-$400/year
  • Emergency fund: $500-$1,000/year

Saving Strategy

Set aside $250/month into a dedicated home maintenance fund. DIY what you can — it cuts costs by 50-70% on most tasks.

Related Guides

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