How Much Does It Cost to Start a Mattress Store Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Nov 6
- 2 min read
Updated: 3 hours ago
Starting a mattress store can be a profitable venture, but understanding the costs involved is critical before you invest. From inventory and retail space to marketing and insurance, every expense plays a role in your startup budget.
Wexford Insurance specializes in retail business insurance for mattress and furniture stores, helping entrepreneurs protect their investment from day one.
Average Startup Costs for a Mattress Store
The total cost to start a mattress store typically ranges from $50,000 to $250,000, depending on location, store size, and business model. Here’s a breakdown of major expenses:
1. Retail Space
Leasing a showroom is one of your biggest expenses. Expect to pay:
$2,000–$5,000 per month for a mid-sized retail space in a good location.
Additional costs for utilities, signage, and interior design.
2. Inventory
Mattresses are high-ticket items, and stocking a variety of sizes and brands is essential. Initial inventory costs can range from:
$30,000–$100,000, depending on the number of units and supplier agreements.
3. Delivery Vehicle
If you plan to offer delivery services, you’ll need at least one truck or van:
$20,000–$40,000 for a reliable vehicle.
Ongoing fuel and maintenance costs.
4. Marketing
To attract customers, budget for:
$5,000–$10,000 for initial marketing campaigns.
Focus on local SEO, social media ads, and Google Business Profile optimization.
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5. Staffing
Hiring sales associates and delivery personnel adds payroll expenses. Plan for competitive wages and training costs.
Insurance Costs for a Mattress Store
Insurance is not optional—it’s essential for protecting your business against unexpected risks. Here’s what you need and what it typically costs:
Covers customer injuries and property damage.
Average Cost: $500–$1,500 annually.
Protects your store, inventory, and equipment from fire, theft, and other risks.
Average Cost: $1,000–$3,000 annually.
Required for delivery vehicles.
Average Cost: $1,200–$2,500 per vehicle annually.
Covers employee injuries and lost wages.
Average Cost: Varies by payroll and state laws, but expect several hundred dollars per employee annually.
Protects tools and machinery used for assembly or delivery.
Average Cost: $300–$800 annually.
Other Expenses to Consider
Licenses and Permits: Costs vary by state and city.
Point-of-Sale System: $1,000–$3,000 for software and hardware.
Website Development: $2,000–$5,000 for a professional e-commerce site.
How Wexford Insurance Helps
At Wexford Insurance, we understand the mattress retail industry. Our team works with top carriers to provide:
Customized coverage for mattress and furniture stores.
Competitive rates for bundled policies.
Expert guidance on risk management.
Final Thoughts
Starting a mattress store requires a significant investment, but with proper planning and insurance, it can be a profitable business. From inventory and marketing to liability and property coverage, every detail matters.
Contact Wexford Insurance today for a tailored insurance plan that protects your investment and helps you focus on growth.