>
Family Budgeting
>
DIY vs. Buy: When to Save and When to Splurge

DIY vs. Buy: When to Save and When to Splurge

11/15/2025
Robert Ruan
DIY vs. Buy: When to Save and When to Splurge

Every homeowner faces the pivotal question: should you roll up your sleeves or call in a professional? With the home and building products industry growing at approximately 2.3% annually, the stakes and opportunities have never been higher. From cost savings to creative fulfillment, understanding when to DIY and when to splurge can transform your living space and your budget.

Understanding the Rise of DIY

In Q1 2025, building material and garden supply stores saw a 0.7% sales increase, signaling renewed momentum after two years of contraction. Americans spent an average of $1,674 on DIY projects last year, with the latest project costing around $804. Nearly every homeowner—98%—has tackled at least one project, and 74% plan to start another in 2025. Younger generations, especially Millennials and Gen Z, are fueling this boom, leading purchases both in-store and online.

The motivations behind this trend run deeper than mere cost. Social media drives inspiration for 52% of DIYers, while high mortgage rates and inflation are encouraging a stay-and-renovate mindset. With more homeowners opting to take control of their home budgets, DIY has evolved from a hobby to a lifestyle.

Why Homeowners Choose DIY

For many, the primary driver is clear: cost savings. Seventy-three percent of homeowners believe it’s cheaper to handle repairs themselves, and 47% DIY because they can’t afford professional services. In 2024, unexpected repairs impacted 83% of homeowners, nearly double the previous year, and 46% spent over $5,000 on such fixes.

Beyond dollars and cents, DIY offers:

  • Creative freedom in design—you set the style, colors, and finishes.
  • Confidence in your own abilities—each completed task boosts skill and pride.
  • Flexible scheduling—no waiting on contractor timelines.
  • Personalized learning experience—research on YouTube, Google, and manufacturer guides enriches knowledge.

Deciding When to DIY and When to Hire Pros

Not every task is suited for self-starters. While half of DIYers invest in outdoor upgrades, larger-scale projects often exceed the comfort zone of even seasoned enthusiasts. Consider these factors before choosing your path:

  • Project complexity and risk: Electrical rewiring, structural changes, and gas line work may require certified professionals.
  • Time commitment: DIY can take 37 average hours per project, peaking at $4,700 around the holiday season.
  • Return on Investment (ROI): Kitchen and bathroom remodels typically yield higher resale value when done by experts.
  • Skill level and equipment: Specialized tools and techniques can add hidden costs.
  • Safety considerations: Avoid regrets by recognizing tasks that pose personal injury risks.

When in doubt, a hybrid approach—combining DIY with contractor assistance—can deliver both savings and peace of mind. One in five homeowners already blends these methods to strike the right balance.

Real-World Cost Comparisons

Understanding cost breakdowns is critical. Let’s examine a common scenario: painting an average-sized room. Supplies for a DIY paint job range from $200–$300, while professional services can add another $700, averaging $2 to $6 per square foot. This illustrates the significant savings potential DIY offers, especially on smaller or repetitive projects.

Avoiding Common DIY Pitfalls

DIY isn’t without risks. Over 42% of projects lead to regrets—32% didn’t turn out correctly, 27% took too long, and 17% cost more than expected. To minimize setbacks, arm yourself with knowledge and preparation.

  • Conduct thorough research: 77% of DIYers start on home improvement websites, while 73% turn to YouTube tutorials.
  • Plan for unexpected delays: factor in buffer time and budget contingencies.
  • Invest in quality tools: spending a bit more up-front prevents mishaps and wasted materials.
  • Consult manufacturer guides: 55% of DIYers read technical documents before beginning.
  • Seek peer advice: friends, family, and online forums offer valuable insights—40% call family, 33% consult friends.

Inspiring Your Next Project

Whether you’re touching up trim or overhauling an entire floor, every project is an opportunity to grow, learn, and transform your space. Embrace the journey of hands-on home creativity and celebrate each small victory.

For tasks beyond your comfort zone, remember that professional help exists to elevate quality and efficiency. Striking a balance between DIY and hiring experts lets you allocate resources where they matter most, ensuring both budget control and exceptional results.

As you embark on your next renovation, let data guide your decisions and passion drive your creativity. The choice between DIY and buy isn’t simply about spending less or more—it’s about crafting a home that reflects your vision, your skills, and your best investment.

Robert Ruan

About the Author: Robert Ruan

Robert Ruan