Is Owning a Mattress Store Business Profitable?
- Nate Jones, CPCU, ARM, CLCS, AU
- Nov 6
- 2 min read
If you’re considering opening a mattress store, one of the first questions you’ll ask is: “Is owning a mattress store business profitable?” The answer is yes—if you plan strategically and understand the industry.
Wexford Insurance works with entrepreneurs in the mattress and furniture retail space, helping them protect their investment with tailored insurance solutions. Before you dive in, let’s explore what makes this business profitable and what you need to succeed.
Why Mattress Stores Can Be Profitable
High Profit Margins
Mattresses often have markups between 40% and 70%, giving retailers room for healthy profits even with competitive pricing.
Learn more in the guide from The CEO Views
Consistent Demand
Consumers replace mattresses every 7–10 years, and new households are constantly forming. Add upselling opportunities for bedding, frames, and accessories, and you have multiple revenue streams.
Upsell Potential
Beyond mattresses, offering pillows, sheets, and adjustable bases can significantly boost your average ticket size.
Startup Costs: Inventory, retail space, delivery vehicles, and staff can cost $50,000–$250,000 depending on your location and store size.
Competition: Online mattress brands have disrupted the market. To compete, focus on personalized service, local delivery, and in-store experiences.
Marketing: Strong local SEO and social media presence are essential to attract customers searching for “mattress store near me.”
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How Much Can You Earn?
A well-run mattress store can generate annual revenues between $500,000 and $1 million, with net profits typically ranging from 10% to 20%. Your success depends on:
Location and foot traffic
Marketing strategy
Customer service and delivery efficiency
Don’t Forget Insurance
Protecting your investment is critical. Wexford Insurance specializes in retail business insurance for mattress and furniture stores. Common coverages include:
General Liability Insurance – Protects against customer injuries and property damage.
Commercial Property Insurance – Covers your store, inventory, and equipment.
Commercial Auto Insurance – Essential for delivery vehicles.
Workers’ Compensation – Required if you have employees.
Equipment Insurance – Protects machinery and tools used for assembly or delivery.
Final Thoughts
Owning a mattress store can be profitable if you plan carefully and manage costs effectively. High margins and recurring demand make this an attractive business model, but success requires strong marketing and operational efficiency.
Don’t overlook risk management—protecting your investment with the right insurance is essential. Wexford Insurance offers tailored solutions for mattress and furniture retailers.
If you’re starting a mattress store or want to review your current coverage, contact Wexford Insurance today for a customized insurance plan that helps you focus on growth and profitability.
