Typical Home Maintenance and Repair Expenses (And How Much They Cost!)

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By Forrest | Last Updated: January 10, 2020

Typical Home Maintenance and Repair Expenses (And How Much They Cost!)

Owning a home comes with many benefits. You have a place to dwell that you can decorate and modify as you’d like with no-one to stop you. But there are also many expenses that come with owning a home whether it’s in the form of maintenance, repairs, or mortgage expenses.

In this post, we’ll detail the most common home maintenance and repair expenses, when you should expect to pay them, and how much they typically cost.

Lawn or Yard Maintenance ($2,000-$10,000 Annually)

Maintaining your yard can be costly if someone else completes the work for you. This can come in many different forms depending on your geographic location. For some, it might mean weekly lawn mowing or bush trimming, for others it could mean getting your palm trees pruned every year. But there is one common denominator, it has to be done.

Yard Maintenance Cost

The cost of yard maintenance varies widely depending on your needs. If you plan on having a service complete the work for you the cost of living in that area will also affect pricing.

Ways to Save on Yard Maintenance

Our recommendation for yard maintenance is to complete the work that you are capable of on your own and leave the rest for someone else. This can save you upwards of a few thousand dollars per year and depending on your needs, it might only cost a few hundred dollars for the equipment needed.

Gutter Maintenance ($500-$2,500 Annually)

Keeping your gutters clean of debris will help to direct water where you want it and keep it away from where you don’t. Typically it’s wise to check your gutters a couple of times per year, especially after the fall season if your property contains trees. You’ll be surprised as to what may fall into your gutters, so be sure to keep them clean.

Over time your gutters might start to sag, which can direct water in ways you don’t want it to go. After cleaning your gutters, use a hose to check the direction of how water flows. If you notice significant sagging you can either use screws to lift the gutters or consider getting new gutters to fix the problem.

Cost of Gutter Maintenance

The cost of gutter maintenance varies depending on the length of your gutters and how many stories your home is. For maintenance, you can expect to pay anywhere from a few hundred dollars per cleaning to a few thousand (depending on the factors mentioned earlier).

Cost of Gutter Replacement

If you need to replace your current gutters, you can expect to pay $4 to $30 per linear foot. The price varies on what type of gutters you choose and how many stories the home is.

How Often Should Gutters Be Replaced?

Gutters have a lifespan of around 20 years. This doesn’t mean they won’t start to sag earlier, however. Check and clean your gutters frequently to keep them in good shape to avoid an early replacement.

Roof Maintenance ($0 Annually)

Luckily for homeowners, roofs require very little to no maintenance. Typically they will only need to be inspected if damaged or a leak is detected. If there is damage to your roof, it can either be patched or replaced.

Related: How to Live Cheaply

Cost of Roof Replacement

Replacing a roof is not a cheap purchase. You can expect to pay anywhere from $5,000 to $20,000 depending on the type of shingles, the size of your roof, and how tall the home is.

How Often Should Roof Be Replaced?

Roofs have a lifespan of around 15 years. You can expect to replace your roof every 15 years, give or take a few.

Pressure Washing

Keeping your home clean and free of mold and mildew is critical to increasing your homes curb appeal. By keeping your homes exterior, driveway, walkways, and patio space pressure washed, you can ensure to maximize your homes value. This Louisville pressure washing company is a great and affordable option for those in the area.

Windows ($0 Annually)

Similar to your roof, windows are fairly maintenance free until a problem arises. Just keep them clean and keep an eye open for potential problems.

Cost of Replacing Windows

Windows typically cost between $300 and $800 per window depending on the design and insulation of the window. This can add up to $5,000 to $15,000 to replace the entire home's windows depending on the number of windows.

How Often Should Windows Be Replaced?

Windows vary in lifespan depending on their build. Wooden windows typically last 15 to 20 years. Aluminum windows can last anywhere from 20 to 25 years. Fiberglass windows can last upwards of 50, yes 50, years!

Heating Ventilation Air Conditioning (HVAC) ($300 Annually)

Keeping your home cool in the summer and warm in the winter is no simple task. It requires energy and a machine built to handle anything Mother Nature brings its way. Many professionals recommend having your HVAC unit inspected twice a year, once in the spring and once in the fall to ensure your machine is operating at maximum efficiency.

Cost of HVAC Maintenance

Having your HVAC unit inspected can cost anywhere from $50 to $150 per inspection. They will check your system and ensure it is running properly which can help avoid future problems.

In addition, you’ll need to replace the air filters in your HVAC unit. Depending on your unit it might be quarterly or semi-annually. The filters can range from $5 to $60 depending on your needs.

Related: I Have a Mortgage and Want to Buy Another House

Cost of HVAC Replacement

Replacing your HVAC unit can range from $5,000 to more than $10,000 depending on the size of the unit and type of unit.

How Often Should Your HVAC Unit Be Replaced?

HVAC units have a lifespan similar to a roof of about 10 to 15 years. If you keep it well maintained, you can even push 20 years.

Related: Cheap Ways to Heat Your Home

Hot Water Heater ($0 Annually)

Unfortunately, the water that comes from our shower head isn’t naturally hot. It requires a heater to warm the water and disperse it throughout your home. Your hot water heater does not require any maintenance.

Cost of Hot Water Heater Replacement

A new water heater can range anywhere from $500 to $3,000 depending on the capacity and type of heater. You can choose to get a boiler that essentially heats a large quantity of water and then disperses it or you can get a tankless water heater that heats your water on demand (think electric bill).

How Often Should Your Hot Water Heater Be Replaced?

A typical water heater should last you between 8 and 10 years, with some lasting almost 15.

Appliances ($0 Annually)

Your refrigerator, dishwasher, washer, and dryer are common household appliances that we often take for granted. If one of them quits working, your budget might cringe. Below we’ve listed some of the most common appliance replacement costs and how often they typically need to be replaced.

  • Refrigerator: $500 to $3,000 – Typically last 10 years
  • Dishwasher: $200 to $1,000 – Typically last 5-8 years
  • Washer and Dryer: $500 to $2,000 (each) – Typically last 8-10 years

Maintenance on appliances is virtually nonexistent. Just ensure they are clean and well ventilated to prolong their lifespan.

Other Common Repairs

Over time your home will degrade. The foundation might crack, your pipes might get leaky, or you could run into electrical problems. These are common home repairs that happen to homes over 20 years old that can be extremely costly.

How Much Should I Budget for Home Maintenance and Repairs?

Each home is different making it difficult to conjure an accurate estimation for your home's maintenance and repair costs. As a baseline, you should aim to save 1% of the value of the home each year for maintenance and future repairs. But you should ask yourself a few questions to help guide your decisions:

How Old is My Home?

Is your home 30+ years old? You can probably expect to have more maintenance or repairs than a new build.

When is the last time “x” was replaced?

Keep a running log of any repairs made to the home or items replaced so that you can more accurately judge when you can expect these expenses in the future.


Home maintenance consists of many different things. Whether it’s maintaining your yard or replacing the air filters in your HVAC unit, it can end up costing you hundreds or thousands per year. By keeping a log of all completed maintenance and repairs, you can better judge upcoming expenses and plan accordingly. As a baseline, try to save 1% of the value of your home for maintenance and future repairs, but you should also consider your home's age when deciding how much to budget. You can save money by completing simple maintenance on your own instead of having someone else complete it for you.

Owning a home is a great joy for many people, so don’t get caught up in the expenses that come with it. If you’re trying to determine if you should rent or purchase a home, read this article!

What is your most despised home maintenance to complete? Comment below!

Forrest is a personal finance, entrepreneurship, and investing enthusiast dedicated to helping others obtain life long wealth. He owns several different blogs and is also passionate about health and fitness.
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