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How to Plan for Home Maintenance Expenses and Set Up a Home Maintenance Plan

Updated: Oct 3



Maintaining your home is crucial to preserving its value and ensuring a comfortable living environment. A well-structured home maintenance plan helps you stay on top of necessary repairs and upkeep, potentially saving you thousands in the long run. Here’s how to plan for home maintenance expenses, create a maintenance schedule, and decide which services to consider for regular upkeep.

1. Estimate Your Home Maintenance Budget

Experts recommend setting aside 1% to 3% of your home’s value annually for maintenance and repairs. For a $300,000 home, this translates to $3,000 to $9,000 per year. Here’s how you can break down these costs:

  • Routine Maintenance: Tasks like lawn care, gutter cleaning, and minor repairs.

  • Seasonal Maintenance: Tasks specific to seasons, such as HVAC servicing in the spring and fall, and winterizing your home.

  • Emergency Repairs: Unexpected issues like a leaky roof or broken appliances.

2. Create a Home Maintenance Schedule

A maintenance schedule ensures that no task is overlooked. Here’s a sample breakdown by season:

  • Monthly

  • Check HVAC filters and replace if necessary.

  • Inspect and clean kitchen sink disposal.

  • Test smoke and carbon monoxide detectors.

  • Quarterly

  • Test garage door auto-reverse feature.

  • Run water and flush toilets in unused spaces.

  • Check water softener, and add salt if needed.

  • Spring

  • Inspect roofing for damage.

  • Clean gutters and downspouts.

  • Service HVAC system.

  • Check for signs of pests and seal any gaps.

  • Summer

  • Inspect and clean decks and patios.

  • Check the exterior for cracks and paint touch-ups.

  • Service the lawnmower and other gardening tools.

  • Fall

  • Clean and inspect the chimney.

  • Service HVAC system.

  • Drain and store hoses, and winterize irrigation systems.

  • Check weather stripping on doors and windows.

  • Winter

  • Inspect plumbing for leaks.

  • Check and replace worn weather stripping.

  • Test sump pump.

  • Inspect attic for leaks and insulation issues.

3. Services to Consider for Regular Maintenance

Enlisting professional services can help ensure that critical systems in your home are well-maintained. Here are some essential services to consider:

  • HVAC Servicing

  • Frequency: Twice a year (spring and fall).

  • What to Expect: Inspection of heating and cooling systems, cleaning of coils and filters, checking for leaks, and ensuring efficient operation.

  • Cost: $100 to $200 per visit.

  • Pest Control

  • Frequency: Quarterly or as needed.

  • What to Expect: Inspection for pests, treatment of affected areas, preventive measures.

  • Cost: $50 to $100 per visit.

  • Gutter Cleaning

  • Frequency: At least twice a year (spring and fall).

  • What to Expect: Removal of debris from gutters and downspouts, inspection for damage.

  • Cost: $75 to $200 per visit.

  • Chimney Cleaning

  • Frequency: Annually, before the heating season.

  • What to Expect: Cleaning of soot and creosote buildup, inspection of chimney structure.

  • Cost: $125 to $250 per visit.

  • Lawn Care Services

  • Frequency: Weekly to bi-weekly during the growing season.

  • What to Expect: Mowing, edging, fertilization, weed control.

  • Cost: $30 to $85 per visit.

Conclusion

By planning for home maintenance expenses and setting up a comprehensive maintenance schedule, you can protect your investment and enjoy a well-maintained home. Regular servicing of key systems like HVAC, pest control, and gutters will prevent major issues and help your home run smoothly year-round.

Ready to create your home maintenance plan? Start today by estimating your budget and scheduling essential services to keep your home in top shape!

Need more tips on home maintenance? Stay tuned for our next blog on the benefits of regular home inspections and how to choose the right inspector for your home!

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