Most of us will spend a third of our life in bed. That’s good.  Quality and adequate sleep lowers risk for chronic diseases, enhances fine motor skills, and boosts overall mood and productivity.  But if we’re going to sleep that much, we’ll want to invest in a good mattress. 

A quality mattress is worth it, but it can also be pricey. How much should you expect to pay?

The average price of a new mattress ranges from $250 to $3,500 or more, depending on the size, material, construction, and the brand you choose. Due to the high cost, it helps to decide on the necessary accessories before purchasing and to use creative budgeting and saving strategies to afford the mattress you want without getting into debt.

This article will help you understand different brands' delivery fees, warranties, and return policies. We’ll also give you the price ranges of mattresses currently on the market, talk a bit about some of the factors affecting that price, and show you how you can save some money on your next mattress purchase.

Today, mattresses come in various sizes, materials, and construction styles. This can make determining the exact price tag for your desired mattress challenging. 

A high-quality mattress with various features such as memory foam, latex, coils, and pocket springs provides better comfort and durability but comes at a higher price. Budget options are lowly priced due to lower-quality materials and fewer features.

Here is how much you can expect to pay for different mattress categories:

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Not all mattresses are created equal. Different mattresses offer different support, comfort, and durability. Understanding the materials used in each type can help you determine which one is right for you. The most popular types are memory foam, innerspring, latex, hybrid, and airbed mattresses.

Memory foam

Originally developed by NASA in the 1970s to improve seat cushioning and crash protection for astronauts, memory foam mattresses are one of the most popular mattresses  today. 

Memory foam mattresses are made of "viscoelastic" polyurethane foam that contours to your body as you sleep, providing superior comfort, edge support, and pressure relief. 

Unfortunately, they also tend to be hotter than other mattress types, since the foam traps body heat, and they also tend to have an odor due to  off-gassing.

These mattresses are available at different price points based on the thickness, density, and quality of foam used. Mattresses with higher-density foam, thicker layers, and infused with copper or gel for hot sleepers are more expensive. Cheaper options use low-density foam, thin layers, and poly-foams hence are less durable.

Innerspring

Innerspring mattresses are the traditional type that uses metal coil springs sandwiched between two comfort layers for support. They are relatively affordable, provide excellent bounce, and have better airflow than memory foam, so they tend to be cooler. 

However, they also have less motion isolation, provide limited pressure relief, and may sag over time. 

Innerspring mattresses come in different coil counts, which affect comfort, longevity, and price. A higher coil count equates to a higher price tag.

Latex

Latex mattresses are made of either natural or synthetic latex foam and provide superior support, pressure relief, and cooling. They are more bouncy, hypoallergenic, and naturally dust-mite resistant. 

A huge downside to these mattresses is their high price tag due to their high-quality construction and advanced technology. Natural latex is more expensive than synthetic latex due to its eco-friendly production process and premium feel.

Airbed

Airbed mattresses are the most customizable type of mattress available. They use air chambers instead of foam, coils, or latex to adjust the mattress's firmness, support level, and temperature.

Air mattresses provide excellent pressure relief, motion isolation, cooling, and adjustability, and they’re great for couples with different sleep preferences. Unfortunately, they also  tend to be more expensive and require more maintenance.

 The price is determined by the number of comfort layers and air chambers the mattress has, by the number of remote controls purchased, and by the height of the mattress.

Hybrid

Hybrid mattresses combine memory foam or latex with pocketed coils to provide a combination of contouring comfort and bounce, pressure relief, and cooling. They suit all sleeping positions, including couples, combo and hot, and side sleepers. 

Hybrid mattresses are the most expensive due to their advanced construction and higher-end materials, such as micro-coils, high-density foam, cooling layers, and natural latex.

Several factors affect the overall price of a new mattress, from the size and quality of materials used to shipping and delivery costs. Here is an overview of how each factor determines how much a new mattress will cost.

Size

Mattresses are available in several sizes, such as Twin, Full, Queen, King, and California King. Larger mattresses are more expensive because they require more material and labor. 

Twin, Twin XL, and Full mattresses are the most affordable, with an average cost of $400 to $1300, depending on the features and quality of materials.Queen and King size mattresses are slightly more expensive, ranging from $600 to over $2000. California King is the most expensive size due to its large dimensions, costing $800 to $3,000 or more. 

Quality of material

Mattresses made of high-quality materials, such as those with pocketed coils, high-density memory foam, cooler gel, and natural latex, tend to be more expensive than budget mattresses made of low-quality innerspring coils, poly-foams, and other synthetic materials.

Sturdy construction, durable materials, and advanced technology also contribute to the higher price tag of quality mattresses. For instance, a hybrid Queen size mattress made of natural latex costs, on average, $2,050 compared to $1,050 for a memory foam or innerspring mattress of the same size.

Bed frame and accessories

When buying the best mattress, you may also need accessories such as a new bed frame, foundation, adjustable base, and mattress protector, which add to the total cost. Bed frames come in various shapes, sizes, and materials and can cost anywhere from $70 to over $1,000, depending on the quality and features.

A platform bed frame is the most affordable option, while an adjustable base can cost up to $3,000 for high-end models. Other accessories, such as a mattress topper, pillow tops, and sheets, can range from $50 to over $400. 

Financing options

Many mattress stores and retailers offer financing or payment plans that allow you to spread out the cost of your purchase over several months. It's a great option if you're on a tight budget and need to purchase a new mattress immediately. 

Financing options may include zero-interest deals, deferred payment plans, or fixed monthly payments with an interest fee.

Unfortunately, the interest rates can be expensive, driving up the overall cost of your purchase. Late payments and defaults will damage your credit score, making it difficult to qualify for financing options in the future.

Savvy and budget-conscious shoppers understand there are better ways to purchase a new mattress than traditional financing options. Instead, they are turning to innovative savings plans like Accrue Savings, which allow them to create a savings plan, make small monthly payments, and earn money as they save for their new mattress. 

It's a unique way to pay for your mattress without getting into debt or incurring expensive financing fees.

Shipping and delivery charges

Ordering your mattress online offers much more convenience than shopping from brick-and-mortar stores but comes with the added cost of shipping and delivery fees. Depending on the retailer and destination, delivery fees can range from free to over $100.

Some mattress brands offer shipping deals, free returns within a specified trial period, and white glove delivery, where they'll even deliver the mattress to your home and set it up for you. Many mattress companies also offer free white glove delivery and old mattress removal services, while others charge a $45 flat rate.

Shopping during seasonal sales periods like Memorial Day, Labor Day, and Black Friday can help you get the best deals on shipping and delivery fees. 

Warranty

Mattress warranties protect you from manufacturing defects and premature wear. Most mattress companies offer at least a 10-year limited warranty which covers sagging, structural damage, and other issues related to the quality of materials and workmanship. 

Expensive mattress models usually offer more comprehensive warranties of up to 20 years.

Read the terms and conditions of the warranty to understand what is covered, how to make a claim, and any fees you may need to pay to repair or replace your mattress. 

Remember, a warranty doesn't cover normal wear and tear or damage caused by improper use or care.

Being creative about how you spend and save your money can go a long way in helping you find the perfect mattress without relying on financing options like buy now, pay later programs, and personal loans. Accrue Savings is a superior alternative to traditional financing and lets you save for your next mattress without impacting your credit score or getting into debt.

Simply create an account, set up a savings plan, make monthly payments, and get rewarded for achieving your goals. There is no set amount—you can save as much or little as you want. You can speed up, slow down, or pause payments depending on your flexibility. 

Once you have saved enough, you can shop from hundreds of mattress brands and retailers using your saved funds.

Accrue Savings partners with Casper and Vesta to help you save 15% off your next mattress purchase when you shop. Browse Casper’s vast selection of high-quality mattresses, find the right one for you, and use your saved money to check out. It's that easy! 

Save 15% on your next mattress with Accrue Savings

A good night's sleep is essential for your health and well-being, so don't skimp on getting the right mattress. While the average mattress price can be steep, Accrue Savings offers a more innovative way to purchase your next mattress without debt or incurring high-interest rates and fees. 

You can budget and save for your mattress at your own pace and enjoy a 15% discount when you shop from Casper and Vesta. Sign up with Accrue Savings today and start saving for your next mattress.