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Real Estate

How to Budget for Your Bathroom Remodeling Project

By Abraham Nnanna
Last updated: April 4, 2025
8 Min Read
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Remodeling your bathroom can quickly become an expensive endeavor. With high labor costs and pricey fixtures, it’s easy for project costs to spiral out of control. That’s why setting an accurate budget is one of the most important steps before starting any bathroom renovation.

Contents
Set Your Bathroom Remodeling GoalsUnderstand Typical Bathroom Remodel CostsFactor in Demolition and RepairsRemember Key Cost DriversBreak Down Costs by Project ComponentGet Contractor QuotesFactor in Extras and OverageSet Aside Funds for Fixtures and FinishesReduce Costs with DIY DemolitionGet Creative with Affordable Design ChoicesTo RecapBathroom Remodeling Cost FAQs

Follow this guide on how to budget for your bathroom remodeling project costs and avoid nasty surprises that can blow your budget. With smart planning and an understanding of typical expenses, you can set realistic expectations and end up with the bathroom of your dreams.

Set Your Bathroom Remodeling Goals

Before determining a dollar amount for your bathroom remodel, clarify the scope of the project. Ask yourself:

  • Will this be a cosmetic refresh or a full gut remodel?
  • What fixtures, finishes, and features do I want to change?
  • How will I use the new space?
  • What is my desired aesthetic or style?

The more details you can define upfront, the easier it will be to budget accurately. Be realistic about which ideas fit your timeframe and budget. Prioritize must-haves over nice-to-haves.

Understand Typical Bathroom Remodel Costs

Bathroom remodels range dramatically in price. Here are average costs for different project types:

  • Minor remodel – $3,000-$7,000. A refresh of paint, lighting, hardware and accessories.
  • Moderate remodel – $7,000-$15,000. Replacement of key surfaces and fixtures like vanities, tile and toilets.
  • Full gut remodel – $15,000-$30,000+. Complete teardown and rebuild of the bathroom.

According to the NKBA, you can expect to pay around $185 per square foot for a mid-range bathroom remodel. The size of your bathroom is a major cost determinate.

Factor in Demolition and Repairs

Don’t underestimate costs for demo, prep work and repairs. Removing old surfaces and fixtures takes time. Critically, demo may reveal issues like mold, bad plumbing, or water damage that add costs.

Tearing down walls also often leads to additional electrical, framing or drywall work. We recommend budgeting 15% of total costs just for demolition and repairs.

Remember Key Cost Drivers

A few aspects make an outsized impact on your total bathroom remodel budget:

Cabinetry – Custom or semi-custom cabinets cost more. But cabinets make up 15-25% of many remodel budgets.

Plumbing – New sinks, showers and tubs mean pricey labor. Budget more if lines need moving.

Tile – Type, size, pattern and area covered impact tile and installation costs.

Countertops – Natural stone is generally the most expensive countertop choice.

Layout changes – Moving any fixtures or walls adds significantly to labor and material costs.

When estimating costs in these areas, get multiple quotes and be choosy about brands, materials and finishes.

Break Down Costs by Project Component

To build your budget accurately, estimate costs for each part of the remodel including:

  • Demolition and repairs
  • Plumbing
  • Electrical
  • Cabinets
  • Countertops
  • Flooring
  • Tile
  • Painting/drywall
  • Lighting and ventilation
  • Accessories

Attach dollar amounts to each line item by researching material and installation costs. Also factor in sales tax.

The NKBA recommends this general budget breakdown for a bathroom remodel:

  • Labor – 20%
  • Cabinets – 16%
  • Countertops – 7%
  • Fixtures – 15%
  • Flooring – 9%
  • Walls/ceiling – 5%
  • Design – 4%
  • Doors/windows – 4%
  • Lighting – 5%
  • Plumbing – 14%
  • Other – 1%

Get Contractor Quotes

Bathroom Remodeling

To validate your own estimate, get quotes from at least 3 bathroom remodel contractors. Compare their price breakdowns to yours. Ask them to explain significant discrepancies between estimates.

Ideally, your budget and the quotes will align closely. If not, adjust your budget to reflect contractor input on reasonable costs.

Factor in Extras and Overage

With even the best planning, remodels often cost 10-25% more than initial estimates. Build in a buffer for surprises like rotted floors or asbestos requiring remediation.

You can avoid going too far over budget by adding just 15% to 20% on top of the total contractor quote as contingency. Just be sure to stick firmly to your budget once the work begins.

Set Aside Funds for Fixtures and Finishes

Your contractor quote may include allowances for things like flooring, tile, lighting and hardware. But you’ll likely need to cover those costs separately. Open a separate savings account and start setting aside money for:

  • Tile purchase/installation
  • Bathroom vanity
  • Medicine cabinets
  • Lighting
  • Plumbing fixtures
  • Tub/shower surround
  • Bathroom accessories

Shop sales and clearance for deals. But buy quality fixtures made to withstand moisture and wear-and-tear.

Reduce Costs with DIY Demolition

If you’re handy and willing to get dirty, consider doing the demolition work yourself. Knocking down walls, ripping up floors, and removing old fixtures and plumbing can shave thousands off the project cost.

Just be sure to turn off water and power lines properly before teardown. And take care not to impact any structural elements. Leave new installation to the pros.

Get Creative with Affordable Design Choices

You can cut costs without compromising style through clever design decisions like:

  • Choosing tile only for shower walls vs. full room
  • Using paint instead of wallpaper
  • Incorporating small accents of natural stone instead of full slabs
  • Installing a shower curtain vs. glass doors
  • Using rebate offers on big ticket items like tubs
  • Finding secondhand fixtures and lighting at antique shops

Prioritize changes with the biggest impact, like paint color and new countertops. Add pricier elements later as your budget allows.

To Recap

With proper planning and budgeting, you can create the bathroom of your dreams without breaking the bank. Follow this guide to set realistic expectations, understand typical costs and build in safeguards to avoid budget pitfalls. The end result will be a beautiful new bathroom you can enjoy without regret or buyer’s remorse.

Bathroom Remodeling Cost FAQs

How much does it cost to remodel a small bathroom?

Budget $6,000-$12,000 on average. Costs depend on factors like layout changes, material upgrades and the scope of demoltion.

What is typically the biggest expense in a bathroom remodel?

Labor, including plumbing and electrical work, usually makes up over 50% of total costs. Fixtures, cabinetry and tile are other large expenses.

How do I avoid going over budget on my bathroom remodel?

Add a 15%-20% buffer to quotes, get 3+ contractor bids, set spending limits for finishes, limit scope creep and use DIY labor where possible.

Should I remodel my bathroom before selling my home?

Bathroom remodels recoup 50%-70% of costs in increased home value. Focus on cosmetic upgrades vs. layout changes to maximize your return.

Can I remodel a bathroom for under $5,000?

It’s challenging but possible. You’ll need to keep the existing layout and limit changes to surface upgrades like paint, fixtures, lighting and vinyl flooring.

In another related article, Hidden Signs Your Home’s Foundation Needs Repair

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