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Home improvement market expands as loans and digital tools drive consumer projects

U.S. home improvement spending reaches record levels, with loan uptake and online DIY resources reshaping the sector.

By Jordan M. Patel · יולי 15, 2026 · 5 min read · Last updated יולי 15, 2026
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Photo by immo RENOVATION on Unsplash

Key takeaways

What is the current market size of the U.S. home improvement industry?

U.S. home improvement spending reached $500 billion in 2023, a 7.5% increase from the previous year, according to the Home Improvement Research Institute, marking the sector’s largest annual total on record.

The Home Improvement Research Institute (HIRI) reported that total industry sales climbed to $500 billion in 2023, driven by strong consumer confidence and elevated home equity levels. The growth outpaced the broader retail sector, which rose 4.2% in the same period, according to the U.S. Census Bureau’s monthly retail trade report. Analysts attribute the surge to homeowners prioritizing renovations that improve energy efficiency and living space, especially as remote work persists.

The Federal Reserve noted that rising home equity, averaging $215,000 per homeowner, has enabled more borrowers to finance projects without depleting cash reserves. This financial cushion has translated into higher spending on kitchen remodels, bathroom upgrades, and exterior improvements.

How are home improvement loans influencing consumer projects?

Home improvement loans grew 12% year‑over‑year in 2023, with lenders reporting increased demand for financing larger remodels, a trend that has expanded the average loan size to $22,000, according to data from the Federal Reserve Bank of New York.

The Federal Reserve Bank of New York’s quarterly credit survey indicated that the volume of home improvement loans rose 12% in 2023, reflecting heightened consumer willingness to borrow for renovation projects. Lenders such as Wells Fargo and Bank of America reported that the average loan amount increased to $22,000, up from $18,500 in 2022. This rise is linked to homeowners tackling more extensive upgrades, including full‑kitchen remodels and energy‑efficient window replacements.

Industry experts say the availability of low‑interest financing, with average rates hovering around 5.9% for secured home improvement loans, has made borrowing more attractive. The Consumer Financial Protection Bureau (CFPB) highlighted that loan approval rates for home improvement purposes reached 78% in the fourth quarter of 2023, up from 71% a year earlier.

Which regions are seeing the most growth in home improvement spending?

The Sun Belt, particularly Texas and Florida, recorded the highest year‑over‑year home improvement spending growth at 9.3% and 8.7% respectively, driven by population influx and rising home values, according to the U.S. Census Bureau.

Data from the U.S. Census Bureau’s regional retail sales report shows that the Sun Belt states led the nation in home improvement expenditure growth during 2023. Texas experienced a 9.3% increase, while Florida followed with an 8.7% rise, both surpassing the national average of 7.5%. Analysts attribute this to continued migration into these states, which has elevated demand for both new construction and renovation of existing homes.

The National Association of Home Builders (NAHB) also noted that building permits for remodels in these regions grew 11% YoY, indicating that homeowners are investing in upgrades to accommodate larger families and home‑office spaces. In contrast, the Northeast saw modest growth of 4.2%, reflecting tighter housing markets and higher construction costs.

What impact are supply chain disruptions having on home improvement stores?

Supply chain constraints have led to an average 15% increase in lumber and hardware prices since early 2023, prompting home improvement retailers to adjust inventory strategies and pass costs to consumers, as reported by Reuters.

A Reuters investigation published in March 2024 documented that lumber prices rose 15% between January 2023 and February 2024, while hardware components such as hinges and cabinet pulls saw price hikes of 12% to 18%. These increases stem from lingering port backlogs, labor shortages, and heightened demand for construction materials worldwide.

Major home improvement chains, including large‑format retailers, responded by tightening inventory turnover and emphasizing in‑store pickup options to mitigate stockouts. The Wall Street Journal reported that some retailers offered price‑match guarantees on staple items, though overall price levels remained elevated. Consumers have reported longer lead times for custom orders, with average delivery windows extending from 4–6 weeks to 8–10 weeks.

How are digital tools changing DIY home improvement practices?

Digital DIY platforms saw a 23% rise in user engagement in 2023, with augmented‑reality apps and online tutorial videos helping homeowners plan and execute projects more independently, according to a study by Pew Research Center.

Pew Research Center’s 2023 survey of American adults indicated that 68% of respondents used digital tools such as augmented‑reality (AR) measurement apps, video tutorials, and project‑planning software for home improvement tasks. Engagement with these platforms grew 23% from the previous year, reflecting broader adoption of technology in everyday chores.

Companies offering AR apps allow users to visualize paint colors, flooring, and cabinetry within their actual spaces before purchase, reducing the need for in‑store consultations. Additionally, YouTube and TikTok channels dedicated to DIY projects have amassed millions of subscribers, providing step‑by‑step guidance that lowers barriers for novice renovators. Industry analysts suggest that this digital shift may reduce reliance on professional contractors for smaller projects, while also influencing product demand toward DIY‑friendly kits.

Frequently asked questions

Are home improvement loans more expensive than credit cards?

Home improvement loans typically carry lower interest rates than credit cards, with average rates around 5.9% compared to 15%–22% for unsecured credit cards, according to the Federal Reserve Bank of New York.

What types of projects qualify for a home improvement loan?

Qualifying projects generally include kitchen and bathroom remodels, roof replacement, energy‑efficiency upgrades, and additions such as decks or rooms, as outlined by the Consumer Financial Protection Bureau.

How can I find a home improvement store near me?

Consumers can locate nearby retailers by using online store locators on major home improvement websites or by searching local business directories, which list store addresses, hours, and available services.

Do supply chain issues affect the price of DIY materials?

Yes, ongoing supply chain disruptions have raised prices for lumber, hardware, and finished goods by roughly 12%–15% since early 2023, as reported by Reuters and industry analysts.

Can digital tools replace professional contractors?

Digital tools can assist with planning and execution of many DIY projects, but complex tasks that require permits, structural changes, or specialized skills still typically need licensed professionals.

Sources

  1. Home Improvement Research Institute – 2023 Industry Report — Home Improvement Research Institute
  2. Federal Reserve Bank of New York – Quarterly Credit Survey — Federal Reserve Bank of New York
  3. U.S. Census Bureau – Retail Trade Report, 2023 — U.S. Census Bureau
  4. Reuters – Lumber Prices Surge Amid Supply Chain Strains — Reuters
  5. Pew Research Center – Digital DIY Engagement Survey 2023 — Pew Research Center
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