How Much Does It Cost to Furnish an Apartment? A Complete Guide to Smart Budgeting

Furnishing an apartment is an exciting yet important task, but it can also be overwhelming if you don’t have a clear understanding of the costs involved. Whether you’re setting up your first home or upgrading your current living space, knowing how much it costs to furnish an apartment helps you plan and budget effectively.

The cost to furnish an apartment depends on several factors, such as the size of your apartment, the type of furniture you choose, and where you shop. On average, furnishing a one-bedroom apartment can cost anywhere from $2,000 to $5,000, while a two-bedroom apartment may cost $3,000 to $8,000 or more.

In this complete guide, we’ll break down the key elements that affect furnishing costs, offer tips for budgeting smartly, and explore options to help you furnish your apartment within your budget. Whether you’re wondering how much does it cost to furnish an apartment from IKEA or how much to furnish a studio apartment, we’ve got you covered with useful insights.

By the end of this guide, you’ll have a better understanding of how to furnish your apartment efficiently, while staying within your budget.

How Much Does it Really Cost to Furnish an Apartment?

Furnishing an apartment can be a significant financial commitment, but it doesn’t have to break the bank. The total cost to furnish an apartment depends on various factors, including the size of the space, the quality of the furniture, your location, and where you choose to shop. Whether you’re starting from scratch or simply replacing a few pieces, understanding these elements will help you budget wisely and avoid overspending.

Factors That Influence the Cost to Furnish an Apartment:

1. Apartment Size: Larger apartments require more furniture, so the cost will naturally increase. A studio apartment will cost less to furnish compared to a two or three-bedroom apartment.
2. Quality of Furniture: The type of furniture you choose plays a huge role in the overall cost. Budget-friendly stores like IKEA offer affordable options, but high-end brands will raise the price tag significantly.
3. Location: The cost of furniture and delivery fees can vary depending on your location. For example, cities like New York or Los Angeles might have higher prices compared to smaller towns.
4. Style and Personalization: Your personal preferences also influence the cost. If you want custom pieces or designer furniture, expect to pay more for unique or high-quality items.
5. Additional Costs: Beyond the essentials like a sofa or bed, you’ll also need to factor in the cost of accessories, lighting, curtains, and kitchenware.

By keeping these factors in mind, you can get a clearer idea of how much does it really cost to furnish an apartment and plan accordingly.

What is the Average Cost to Furnish an Apartment in 2025?

In 2025, the average cost to furnish an apartment varies widely based on location, apartment size, and the quality of the furniture. Understanding the national average and how it can change depending on where you live can help you plan your budget more effectively.

National Average Cost to Furnish an Apartment:

On average, furnishing a basic apartment in the United States costs between $2,000 and $6,000. This range can increase or decrease depending on the factors discussed below.

Location-Specific Estimates:

• Big Cities (e.g., New York, Los Angeles, San Francisco): In larger cities, where the cost of living is higher, furnishing an apartment could be more expensive. For a one-bedroom apartment, you can expect to spend around $4,000 to $7,000, while a two-bedroom apartment may cost between $6,000 to $12,000 or more.
• Suburban Areas or Smaller Cities: If you’re furnishing an apartment in a more affordable area, costs are typically lower. A one-bedroom apartment in these locations might cost between $2,000 to $4,000 to furnish, while a two-bedroom apartment may range from $4,000 to $8,000.

Breakdown of Expected Costs Per Apartment Type:

• Studio Apartment: Furnishing a studio apartment will usually cost around $2,000 to $4,000. With a limited space, you’ll need to focus on functional and multi-purpose furniture, which can help keep the costs lower.
• One-Bedroom Apartment: On average, furnishing a one-bedroom apartment will cost $3,000 to $6,000, depending on the quality of furniture and any additional items like electronics or artwork.
• Two-Bedroom Apartment: For a two-bedroom apartment, you can expect costs to range from $5,000 to $10,000. This includes larger furniture pieces, more rooms to furnish, and potentially more decorative elements to complete the space.
• Three-Bedroom Apartment and Larger: Furnishing a larger apartment will likely cost $7,000 and up, depending on the number of rooms and the level of customization you desire.

The costs can also vary if you’re aiming for high-end furnishings or if you choose budget-friendly options like IKEA. Whether you’re wondering how much does it cost to furnish an apartment from IKEA or another retailer, it’s essential to keep track of your priorities and budget accordingly to avoid overspending.

How Much Does It Cost to Furnish a Studio Apartment?

Furnishing a studio apartment is often a balancing act between functionality and style, given the limited space. The good news is that you can furnish your studio without breaking the bank by prioritizing essential items and choosing multi-functional furniture.

Cost Overview with Itemized Costs (From Furniture to Appliances):

• Bed: A comfortable bed is essential. Expect to spend between $400 to $1,000 for a queen-sized bed frame and mattress.
• Sofa or Futon: A small sofa or futon can range from $200 to $600. Opting for a futon can double as both seating and a guest bed.
• Dining Table and Chairs: A small din1ing table with chairs might cost around $150 to $500, depending on the material and brand.
• Coffee Table: For a basic coffee table, expect to pay around $100 to $300.
• Storage Solutions: Consider a compact dresser, shelves, or storage bins, which can range from $150 to $500.
• Appliances: If you need new appliances, a basic fridge and microwave might cost around $500 to $1,500, though many studio apartments come with these included.
• Lighting & Accessories: Adding lighting fixtures and decor items (like lamps, mirrors, and rugs) can cost an additional $200 to $500.

If you’re moving into a studio apartment and wondering about the costs of relocation, it’s also helpful to consider how much movers cost for a 1-bedroom apartment, as the expenses for a studio might be comparable, depending on the distance and services required.

Studio Apartment Furnishing Tips for Budget-Conscious Renters:

1. Multi-Functional Furniture: Opt for pieces that serve multiple purposes, such as a sofa bed, a fold-out dining table, or stackable storage.
2. Shop Smart: Consider budget-friendly stores like IKEA, Wayfair, or local thrift shops for affordable yet stylish furniture.
3. Prioritize Essentials: Start by furnishing the key areas—bed, seating, and storage—and gradually add decorative items like rugs and artwork as your budget allows.
4. Second-Hand Furniture: Don’t hesitate to buy second-hand furniture. You can find great deals on platforms like Facebook Marketplace, Craigslist, or local consignment stores.
5. Look for Deals: Take advantage of sales, discounts, and promotional offers to save on larger purchases like sofas or beds.

By keeping these tips in mind, you can furnish your studio apartment efficiently while staying within your budget.

Cost to Furnish a 2-Bedroom Apartment: What You Need to Know

Furnishing a 2-bedroom apartment involves more space to fill, which can make the overall cost higher. However, there are ways to keep your expenses in check by being strategic about your purchases.

Average Prices for Each Furniture Category:

• Living Room: Expect to spend around $1,500 to $3,000 for essential living room furniture such as a sofa, coffee table, side tables, and TV stand.
• Bedroom (x2): Furnishing two bedrooms, including beds, nightstands, dressers, and lamps, will typically cost $2,000 to $4,000.
• Dining Area: A dining table and chairs can cost between $200 to $1,000, depending on the size and style.
• Appliances: If not already included, essential kitchen appliances like a fridge, microwave, and washer/dryer might cost between $1,500 to $4,000.
• Storage Solutions: Additional storage, such as shelves, wardrobes, or cabinets, can range from $300 to $1,000.

Pros and Cons of Furnishing a Larger Space on a Budget:

Pros:

• Room for Flexibility: With more space, you can play around with the layout and design. You can choose larger, statement pieces or create distinct areas within the apartment.
• Better Value for Furniture: Larger purchases (like sofas and beds) may cost more, but they tend to have better long-term value in a larger apartment.
• More Options: A two-bedroom apartment allows for a more versatile range of furniture and design options, so you can personalize the space more easily.

Cons:

• Higher Initial Costs: The upfront cost to furnish a two-bedroom apartment can be significantly higher, especially if you’re starting from scratch.
• Potential for Overbuying: It’s easy to get carried away with filling more space, which could lead to unnecessary purchases and overspending.
• Time and Effort: The process of furnishing a larger apartment can take more time and effort, from choosing the right pieces to coordinating delivery.

Ultimately, the cost to furnish a 2-bedroom apartment varies based on your preferences, but with the right planning, you can keep the overall expenses within your desired budget.

Furnishing a One-Bedroom Apartment: A Complete Breakdown

Furnishing a one-bedroom apartment is often the perfect balance between creating a comfortable space and keeping costs manageable. With the right approach, you can easily make your one-bedroom apartment feel cozy and stylish without overspending.

Common Furnishing Mistakes to Avoid:

1. Overcrowding the Space: One of the biggest mistakes is overfilling the apartment with too much furniture. Keep things minimal and functional to avoid making the space feel cramped.
2. Ignoring Storage Needs: Many people forget to incorporate sufficient storage. In a one-bedroom apartment, consider multifunctional furniture like ottomans with hidden storage or wall-mounted shelves.
3. Choosing Furniture That Doesn’t Fit: Always measure your space before purchasing furniture. Buying oversized pieces for a smaller apartment can make it feel cluttered.
4. Not Considering Style Cohesion: Mixing too many styles or colors can make a small space feel chaotic. Stick to a cohesive color scheme and design style to create a harmonious feel.
5. Neglecting Lighting: Proper lighting is essential for both aesthetics and functionality. Over-relying on a single light source can make your apartment feel dim and unwelcoming.

Smart Ways to Save Without Sacrificing Comfort:

1. Prioritize Key Furniture: Start with the essentials like a bed, sofa, and dining table. You can always add smaller pieces like decorative items or accent chairs later.
2. Buy Quality, Not Quantity: Invest in a few high-quality pieces that will last longer, such as a durable sofa or a sturdy bed frame. Avoid cheap, flimsy items that will need to be replaced soon.
3. Use Affordable Stores: Look for budget-friendly options at stores like IKEA, Wayfair, or local furniture outlets. You can often find stylish furniture without paying high prices.
4. DIY Projects: Get creative and consider DIY furniture or decor projects. Simple things like painting old furniture or adding new fabric to a chair can give your apartment a fresh look without the cost.
5. Shop Sales and Discounts: Take advantage of seasonal sales or clearance items. You can score great deals on quality furniture if you shop smart.

By avoiding these common mistakes and following smart budgeting tips, you can furnish your one-bedroom apartment efficiently without sacrificing style or comfort.

How Much Does It Cost to Furnish an Apartment from IKEA?

IKEA is a popular choice for furnishing apartments due to its affordability, modern designs, and wide range of options. Whether you’re furnishing a small studio or a larger apartment, IKEA offers solutions that can fit various budgets.

A Detailed Look at IKEA Furnishing Costs for Different Apartment Sizes:

• Studio Apartment: To furnish a basic studio apartment, you can expect to spend around $1,500 to $3,000 at IKEA. This would cover essential items like a bed, sofa, dining table, and storage solutions. IKEA offers affordable options for compact furniture that maximize space.
• One-Bedroom Apartment: For a one-bedroom apartment, the cost would range from $2,000 to $4,500. Key purchases include a queen-sized bed, wardrobe, sofa, dining table, and basic kitchen items. IKEA’s modular pieces allow for flexible arrangements.
• Two-Bedroom Apartment: Furnishing a two-bedroom apartment can cost $3,500 to $7,000. IKEA’s wide selection of furniture for bedrooms, living areas, and dining spaces, along with storage units, allows you to create a functional and stylish home.

How to Make the Most of IKEA’s Affordable Solutions:

1. Utilize Modular Furniture: IKEA’s modular furniture, like the MALM or EKTORP series, allows you to build customized setups for your apartment, making it easy to change the layout as needed.
2. Focus on Multi-Function Pieces: IKEA offers many multifunctional items, such as sofa beds, extendable dining tables, and storage benches. These pieces maximize space and minimize costs.
3. Take Advantage of the IKEA Family Program: Sign up for the IKEA Family program to get exclusive discounts, offers, and early access to sales.
4. Shop the As-Is Section: IKEA’s “As-Is” section offers discounted furniture and home decor that’s in great condition, often at a fraction of the price.
5. DIY Customizations: IKEA furniture is known for its customization potential. Consider adding a fresh coat of paint or swapping out knobs and handles to make items feel more unique to your style.

By understanding IKEA’s pricing and utilizing their budget-friendly options, you can furnish your apartment affordably without compromising on style or functionality.

Additional Costs to Keep in Mind When Furnishing an Apartment

While the primary costs of furnishing an apartment typically focus on large furniture pieces like beds and sofas, there are other essential expenses to factor in as well. These costs, which include appliances, decor, and finishing touches, can add up quickly. Here’s a breakdown of additional expenses to consider:

Appliances, Decor, and Lighting

• Appliances: Basic appliances such as refrigerators, microwaves, and dishwashers can range from $300 to $1,500 or more depending on brand and quality. A washer and dryer combo might cost an additional $500 to $2,000.
• Lighting: Lighting can make a huge difference in the overall atmosphere of your apartment. Expect to spend around $100 to $400 for essential lighting fixtures such as ceiling lights, table lamps, and floor lamps.
• Decor: Adding decorative items like curtains, cushions, throw blankets, and small accessories can cost anywhere from $100 to $500, depending on style and quantity. These items are necessary to make a house feel like a home.

Cost of Flooring and Window Treatments

• Flooring: If you’re upgrading or installing new flooring, the costs will vary depending on the type. Hardwood flooring can cost between $3 to $12 per square foot, while carpet is usually cheaper at $1 to $5 per square foot. If you opt for laminate or vinyl flooring, the price could range from $2 to $7 per square foot.
• Window Treatments: Curtains, blinds, or shades can be relatively inexpensive or quite costly depending on the material and size of your windows. Basic window coverings start around $20, but custom options can reach upwards of $100 per window.

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1. Essential Furnishings for Each Room: The Basics You Can’t Skip

When furnishing an apartment, some items are non-negotiable. These essential pieces help ensure that your space is both functional and comfortable. Here’s a breakdown by room:

Bedrooms:

• Bed: A mattress and frame will be one of your biggest expenses. Budget-friendly options start at $200 for a basic frame and mattress. A high-quality set can cost anywhere from $600 to $2,000 or more.
• Storage: Dressers for closets are also important. Expect to pay around $100 to $500 for a standard dresser.

Living Rooms:

• Sofa: A sofa is a must-have for any living room. Basic options can be found for $300 to $700, while higher-end models can cost upwards of $1,000.
• Coffee Table: A simple coffee table typically costs around $100 to $300, but designer or unique pieces can go much higher.

Kitchens:

• Dining Table and Chairs: Dining sets can range from $100 for basic models to $1,000 for stylish, designer pieces. A small table with chairs can be found for as low as $150.

Bathrooms:

• Shower Curtains, Towels, and Storage: While not as expensive as other furnishings, essential bathroom items like a shower curtain, towels, and small storage units can cost around $50 to $200.

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2. Non-Essential Items That Can Transform Your Apartment

Once the basics are taken care of, non-essential items like decor and lighting can take your apartment from functional to stylish. Here’s a closer look:

Items like Area Rugs, Wall Art, and Lighting:

• Area Rugs: Rugs can add warmth and style to any room. The cost of an area rug varies depending on size and material, but expect to pay $50 to $500 for a good quality rug.
• Wall Art: Artwork and wall decor can make your apartment feel personal and welcoming. Depending on your taste, prices range from $20 for inexpensive prints to $500 or more for original pieces.
• Lighting: Adding statement lamps or stylish lighting fixtures can completely change the ambiance of your apartment. These can range from $30 for basic lamps to $200 for designer light fixtures.

Average Costs for Making Your Apartment “Instagram-Worthy”:

Making your space Instagram-worthy doesn’t have to break the bank. With a focus on affordable decor items, you can elevate your apartment for $200 to $500. Think stylish pillows, eye-catching wall art, and unique lighting options to create a cozy, inviting atmosphere that’s ready for photos.

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3. How Much to Furnish an Apartment on a Budget

Furnishing an apartment on a budget doesn’t mean you have to sacrifice comfort or style. With a little planning and smart shopping, you can create a beautiful home without breaking the bank. Here’s how:

Tips for Low-Cost, High-Quality Items:

• Shop Secondhand: Thrift stores, garage sales, and online marketplaces like Craigslist and Facebook Marketplace are great for finding affordable, gently used furniture.
• DIY Projects: You can save money by making your own furniture or decor. For example, repainting old furniture or creating your own art can add a personal touch for little cost.
• Prioritize Quality Over Quantity: Invest in a few key pieces like a solid bed or sofa and build the rest of your furnishings around those core items.
• Shop Sales and Discounts: Look out for seasonal sales, clearance items, and special promotions from retailers to snag deals on furniture and decor.

How to Furnish an Apartment for $2,000 or Less:

It is possible to furnish an apartment for $2,000 or less, especially if you stick to budget-friendly options. Here’s a simple breakdown:

• Furniture: Allocate around $1,200 to $1,500 for essential pieces like a bed, sofa, dining table, and basic storage.
• Appliances and Lighting: Set aside around $300 to $500 for basic appliances like a microwave and fridge, plus essential lighting.
• Decor and Accessories: With the remaining budget, you can add inexpensive decor items like rugs, curtains, and wall art from budget-friendly stores.

By shopping smart, focusing on essentials, and mixing in affordable decor, you can create a beautiful home without overspending.

Key Mistakes to Avoid When Furnishing Your Apartment

Furnishing an apartment can be a fun and rewarding experience, but it’s easy to make costly mistakes. To help you avoid overspending or under preparing, here’s a checklist of key mistakes to steer clear of while furnishing your apartment:

1. Overbuying: The High Price of Unnecessary Furniture

• How to avoid filling every space: It’s tempting to buy furniture to fill every empty corner, but overbuying can lead to clutter and unnecessary expenses. Focus on purchasing only what’s essential for comfort and functionality. Keep an eye out for versatile pieces that can serve multiple purposes, like a sofa bed or a dining table that doubles as a workspace.
• How much extra you might end up spending on furniture you don’t need: If you’re not careful, you could easily end up spending an extra $500 to $1,000 on items that don’t add value to your apartment. Prioritize functionality over excess, and only purchase pieces that you will actually use.

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2. Skimping on Quality: When Cheap Furniture Costs You More

• Why investing in durable items can save you money in the long run: While it might be tempting to buy cheaper furniture, low-quality items often wear out quickly and may need to be replaced within a year or two. Investing in durable, high-quality furniture can save you money in the long run by lasting much longer.
• How much you can expect to spend for quality items vs. cheap alternatives: The cost difference between cheap and quality furniture can be significant. For example, a well-made sofa can cost anywhere from $500 to $2,000, while a cheaper version might be as low as $200 to $400. While the initial price might be higher, a durable sofa will last much longer, making it more cost-effective in the long term.

3. Forgetting Your Home Office: Costs That Are Easy to Overlook

• With remote work, why setting up your home office is important: With more people working from home, having a dedicated workspace is essential. If you overlook the importance of setting up a comfortable and functional home office, you might end up spending more on a rushed or poorly designed workspace.
• Average costs for a comfortable and functional home office setup: A basic home office setup can cost anywhere from $300 to $1,500, depending on your needs. This includes an ergonomic chair, desk, and good lighting. Don’t forget the cost of office accessories like a printer, filing cabinets, or shelving.

Alternatives to Traditional Apartment Furnishing

If you’re looking for ways to save money while furnishing your apartment, here are a few alternatives to consider. These options could help you furnish your space without breaking the bank.

1. Renting Furniture: Is It Worth It?

• Breakdown of rental prices for basic furniture: Renting furniture can be a flexible option, especially for short-term stays. Basic rental furniture like a sofa or bed can cost between $50 and $200 per month, depending on the quality and brand. However, over time, this can add up, so it’s worth evaluating if renting is the best option for you.
• Pros and cons of renting furniture for your apartment: The main benefit of renting furniture is flexibility. If you’re planning to move soon, it makes sense to rent. However, over the long term, rental costs can exceed the price of buying the furniture outright, especially if you’re staying in one place for an extended period.

2. Buying Second-Hand: Great Deals or Hidden Pitfalls?

• How much you can save by buying second-hand: Second-hand furniture can be a great way to save money. You can often find quality pieces for 50% to 70% less than the cost of buying new furniture. Check out local thrift stores, flea markets, and online marketplaces like Craigslist or Facebook Marketplace.
• Tips for finding quality used furniture on a budget: When shopping for second-hand furniture, always check for damage, stains, or wear. It’s a good idea to inspect the piece in person before buying. If you’re buying online, look for seller reviews or ask for more pictures to ensure the quality.

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3. Renting a Furnished Apartment: When It’s the Best Option

• Cost comparison of renting furnished vs. unfurnished apartments: Renting a furnished apartment can save you the upfront cost of buying furniture, but it may come with a higher monthly rent. Typically, the difference in rent for a furnished apartment is between $100 and $300 more per month than an unfurnished one. However, you’ll avoid the cost of buying new furniture altogether.
• How much you’ll save and what to expect in a furnished apartment: While the rent might be higher, a furnished apartment can save you anywhere from $2,000 to $6,000 in furniture costs, depending on the size and style of your apartment. You’ll have everything from sofas to tables, but keep in mind that the furnishings may not be to your exact taste or style.

How Much Does It Cost to Furnish an Apartment with Quality Items?

Furnishing your apartment with high-quality, mid-range, or luxury items can significantly impact your overall budget. Here’s a breakdown of what to expect:

• Cost breakdown of furnishing your apartment with mid-range vs. luxury items: Furnishing an apartment with quality furniture can cost anywhere from $3,000 to $10,000. Mid-range items from stores like West Elm or Pottery Barn are generally priced between $500 and $2,000 per piece, while luxury brands can cost $2,000 and beyond for a single item.
• The difference in price when buying better-than-IKEA furniture: While IKEA is a popular budget-friendly option, it’s often not as durable as mid-range or luxury furniture. For example, a high-quality sofa can cost around $1,500 to $4,000, while a comparable IKEA sofa may be priced at $400 to $700.

How Much to Furnish a 2-Bedroom Apartment with IKEA?

If you’re considering IKEA for your furnishing needs, here’s a detailed cost estimate for furnishing a 2-bedroom apartment:

• A detailed cost estimate for furnishing a 2-bedroom apartment from IKEA: Furnishing a 2-bedroom apartment entirely from IKEA typically costs between $3,000 and $6,000, depending on the items you choose. This price includes essential furniture like beds, sofas, tables, and storage units. The cost can vary based on the quality and style of the furniture, as well as the size of your apartment.
• Are IKEA’s prices competitive for quality furnishing?: IKEA offers affordable and stylish furniture, but it may not have the same longevity as mid-range or high-end brands. For budget-conscious shoppers, IKEA’s prices are competitive, and you can find pieces that meet your functional and aesthetic needs.

Should You Hire a Professional to Furnish Your Apartment?

If you’re not sure where to start or need help putting everything together, hiring a professional might be a good option. Here’s what to know:

• The cost of hiring interior designers or professional furnishers: Hiring an interior designer can cost anywhere from $50 to $250 per hour, depending on their expertise and location. Some designers offer flat fees for specific projects, which could range from $1,000 to $5,000 for a full apartment furnishing.
• Pros and cons of using a turnkey solution: A professional can save you time and effort by designing a cohesive and stylish apartment. However, it comes at a cost. If you’re on a tight budget, this option may not be ideal, but it can help if you’re seeking a high-end, polished look without the stress of DIY.

Conclusion

Furnishing your apartment doesn’t have to be a financial burden. By understanding your needs, setting a realistic budget, and prioritizing essential items, you can create a comfortable and stylish space without overspending. Whether you opt for affordable solutions from places like IKEA, consider second-hand furniture, or invest in quality essentials, it’s all about making smart choices. With careful planning and creativity, you can furnish your apartment to perfection while keeping costs in check, ensuring a beautiful home that won’t break the bank.

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