How to Budget for a Bathroom Remodel Without Overspending

Benchmark Baths
Oct 21
2 min read

Updated: Nov 6

Remodeling your bathroom can upgrade your home — but setting a clear budget first is key. With some planning, you can get a beautiful, functional bathroom without breaking the bank.

Here's how to create a bathroom remodel budget that actually works for you.

Average Bathroom Remodel Cost

Cost depends on your project scope, materials, and any plumbing or electrical updates so prices can vary.

In general, a full bathroom remodel can cost up to $50,000.

Smaller projects like shower remodels or tub-to-shower conversions are more affordable while still adding value to your home.

Factors that Affect Your Budget

Several things can drive up remodel costs:

Moving Fixtures:

Relocating a shower, toilet, or vanity requires new water lines, which increases labor expenses.

Materials & Finishes:

Mid-range materials often give the best balance between cost and durability.

Plumbing & Electical Updates:

Older homes may require updates, which can add unexpected expenses.

Labor & Permits (if necessary):

Professional work costs more but ensures safety and reliability.

Creating a line-item budget helps you see where your money goes and where you can save.

How to Set a Realistic Budget

A well-planned budget prevents surprises. Here's a good starting framework:

Allocate 5-10% of your home's value to your remodel
Prioritize essentials like showers and safety upgrades
Get multiple quotes from licensed contractors
Set aside a 10-15% contingency fund for unexpected issues

Tips for Staying on Budget

Budgeting isn't just about numbers — it's about making practical choices along the way:

Keep walls and plumbing in place when possible
Repurpose existing vanity and cabinets
Focus on function before style
Work with experienced professionals to avoid costly mistakes

Planning ahead helps prevent surprises and keeps your remodel on track.

Financing Options

A bathroom remodel is an investment in your home. Financing can make it easier to manage costs as a more affordable option, but review rates and terms carefully.