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Best affordable mattresses

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Saatva Mattress, Tuft & Needle, Nest Bedding and Nectar Sleep
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Everyone deserves a decent night's sleep, but not everyone can afford to spend thousands of dollars on a luxury bed. Luckily, it’s possible to find a good, inexpensive mattress that helps you sleep better without breaking your budget.

Our top picks for budget mattresses

To select the best mattress for the money, we started by considering 50 popular bed-in-a-box options with reputations for good value. We then compared them based on customer reviews and the quality of materials. To further narrow down our list, we considered whether the manufacturer provides a sleep trial or warranty. All our top picks cost $1,050 or less for a queen as of publishing.

We’ve included foam and hybrid (foam and coil) models in our picks.

“For those who prefer a softer sleeping surface and are looking for good value for money, foam mattresses can be great," said Kyle Marquardt, co-founder of Lori Beds. "For those looking for excellent motion transfer and breathability, spring mattresses are an excellent option. For those looking for the best of both worlds, hybrid mattresses offer excellent support, contouring and comfort.”

» MORE: How much does a mattress cost?

Our favorite budget hybrid mattresses:

Tuft & Needle Adaptive foam Medium-firm
Nectar Gel memory foam Firm
Zinus Comfort foam and coil Medium-firm

» MORE: Best Mattress Brands

Tuft & Needle Original Mattress Tuft & Needle
  • Type: Adaptive foam
  • Price: $995 (queen)
  • Warranty: 10 years
  • Test period: 100-night in-home trial

The Tuft & Needle Original Mattress with T&N Adaptive foam is breathable thanks to 3 inches of a cooling gel and graphite blend, so you don't have to worry about getting too hot while you sleep. It also has 6.5 inches of base support, making it durable and supportive enough to keep you from sinking.

Best for: Back and stomach sleepers

What reviewers say: Happy Tuft & Needle customers on our site often mention brand loyalty and a lasting product. One reviewer from Missouri said, “I’ve owned my Tuft and Needle king mattress for over six years and it is more comfortable than any … mattress out there! The quality and price of this bedding is far superior to any bed in a box.”

The Nectar Memory Foam Mattress Nectar Sleep
  • Type: Gel-infused memory foam
  • Price: $1,049 (queen)
  • Warranty: Lifetime
  • Test period: 365-night in-home trial

Nectar makes one of the most expensive mattresses on our list, but it’s still a great value. Its five-layer construction includes a base of support foam, transition foam, viscoelastic memory foam and a removable fiber cooling cover. You can add the Sleep Bundle at purchase for discounted pillows, sheets and a mattress protector. The company’s Forever Warranty covers the mattress as long as you own it.

Best for: Side or back sleepers

What reviewers say: Positive Nectar reviews on our site include praise for its quick delivery and comfy construction. A reviewer from Illinois said about theirs: “Probably the most comfortable bed I've ever owned. Bought the mattress on a Tuesday; it was delivered on Thursday. ... I was out in less than 15 minutes. … [My wife] said there was no pain in her lower back at all.”

Zinus Pressure Relief Euro Top iCoil Hybrid Mattress Zinus, Inc
  • Type: Comfort foam and coil
  • Price: $459 (12-inch queen)
  • Warranty: 10 years
  • Test period: 100-night in-home trial
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Zinus makes the most affordable mattress on our list. This hybrid model boasts “innovative pocket springs” and independently wrapped coils designed to align your spine and relieve pressure. It’s composed of five layers of fiber padding, springs and foam, including high-density foam and base support foam. The company also uses natural seed oil to replace some of the less-green petrol-based chemical oils in manufacturing.

Best for: Warm sleepers

What reviewers say: Zinus reviewers on our site like the durability and the price of the mattresses. A reviewer from Michigan said: “I've had my Zinus mattress for five years and it's still in excellent shape. ... I will only buy mattresses [from] them for the rest of time I have and am so happy I found them. I have turned five people on to this mattress; they thank me every time I see them.”

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How to find the best budget mattress

There are seven key steps to follow as you search for a budget mattress.

1. Determine your mattress budget
The first step to finding the right mattress is figuring out your budget. Decide whether you're looking to purchase a mattress outright or if you're going to take advantage of financing options or payment plans. As with most consumer products, a higher price usually indicates higher quality. If you’re shopping for cheap mattresses online, don’t forget to consider shipping costs. Here's what to expect from mattresses in certain price points:
  • Mattresses under $100: Most new mattresses that cost less than $100 are inflatable mattresses, such as the Intex Dura-Beam Airbed (click here to find on Amazon). You can sometimes find an inexpensive used mattress. Some innerspring mattresses fall in this category; these are flexible and move with your body but aren't known for offering consistent and contoured support where you need it the most.
  • Mattresses under $300: Mattresses less than $300 usually fall in the bed-in-a-box category and lack many of the features of more expensive mattresses. Still, some offer upgraded features like moisture-wicking technology and gel-infused materials that help increase airflow while you sleep. Memory foam options are somewhat limited in this price range.
  • Mattresses under $500: As your budget increases, your options for high-quality mattresses improve. Mattresses between $300 and $500 are usually made of memory foam or are hybrids, which means they combine the bounce of an innerspring mattress with the softness and contouring ability of memory foam. You can expect a mattress less than $500 to have two or three layers, often made of synthetic materials.
  • Mattresses under $1,000: Most mattress experts say a long-lasting, quality mattress typically costs between $700 and $1,000. Mattresses in this price range have features like multiple firmness options or models designed to ventilate air so that you stay cool at night. Some mattresses less than $1,000 have cooling gel memory foam and motion isolation technology so your movement doesn't disturb your partner.
2. Shop around and compare
If you have the freedom to shop around, do it. Consider bed-in-a-box options and shop around at department stores and home furniture stores. Look for coupons, promotional deals and discounts to get a great mattress at the right price.

Shopping around and waiting for annual sales help you find a high-quality mattress and still stick to your budget. Keep in mind that you can usually find the best prices on mattresses during the summer.

3. Think about who will sleep on it
The mattress you choose should take into account who is going to be sleeping on it. Is the mattress for a kid? A single adult? Two adults? If it's going in a guest room and will only be used once in a while, you may not have to splurge on high-end features that cater to your specific sleep style.

Some mattress designs are focused on side sleepers or stomach sleepers. Some mattresses are better suited for bigger or taller individuals, while others have innovative features to provide ultimate support or keep you cool during the night.

4. Consider long-term vs. short-term benefits
The benefits of buying a budget mattress include lower upfront costs and easy setup. On the other hand, more expensive, luxury mattresses usually have better features and last longer.

Some customers complain about unpleasant off-gassing odors as lesser-quality bed-in-a-box mattresses expand. Over time, cheaper mattresses also tend to sag. You might spend a few hundred dollars on a budget mattress only to replace it within a couple of years. Budget mattresses sometimes come with extended warranties similar in length to those of more expensive mattresses. Mattress warranties range anywhere from three to 25 years.

5. Look for the right features
The cost of the mattress isn't the only thing to consider when purchasing a budget mattress. When you're looking for high-quality, inexpensive mattresses, there are four things you should think about. You want to find a mattress that is made of quality materials, backed by a decent warranty, offers a reasonable trial period and has a clear return policy:
  • Quality materials: Manufacturers usually make lower-priced budget mattresses out of springs and coils that make it easy to move around but don't isolate motion well. You can find mattresses in the $500 range that feature high-quality foams that come in a variety of firmness options. Look for mattresses with zone support, memory foam and hypoallergenic materials.
  • Warranty: Some budget mattresses come with the same long-term warranty as more expensive models. It's common to find a budget mattress with a warranty that covers at least 10 years.
  • Trial period: Purchase a mattress that lets you try it out with no risk. Some well-known mattress companies offer 100-night free trial periods that let you really get an idea of how a mattress feels. It takes about 30 days to get fully accustomed to a new mattress, so find a budget mattress you can try for at least that long.
  • Return policy: There are several reasons you may return a new mattress, including that it causes you pain, isn't the right firmness or is incompatible with your sleep style. Each company has a different policy when it comes to returns. The average return policy is between 30 to 120 days. Look for a company that offers a full money-back guarantee instead of just an exchange. Some companies send a truck to pick up your mattress, while others provide shipping labels that let you box it up and ship it back yourself.
6. Purchase a good, inexpensive mattress
If you buy a mattress online, most companies offer free shipping, which saves you significant money. If you are buying from a retail store, ask about its mattress delivery policy and fees. Some mattress companies include free shipping when you purchase select mattresses and offer several delivery options. White-glove service usually involves delivering your new mattress, setting it up and removing your old mattress and box spring. There is typically a separate charge for this.
7. Get the most out of your budget mattress
Get the most out of your budget mattress by investing in accessories that add comfort and durability without spending a lot of extra money. Look into mattress toppers that add an extra layer of cushion to your mattress or mattress covers that extend the life of your mattress.

Budget mattress FAQ

Why are mattresses so expensive?

Mattresses are expensive because they are made out of pricey materials, like memory foam, spring coils and latex. High-quality mattresses last a long time and are always in high demand.

There is a precise science that goes into creating a mattress that is the perfect blend of comfort, support, style and durability. Innovative features like border trimmings, airflow technology and premium foam options add even more to the price.

When is the best time to buy a mattress?

Summer is usually the time to find the best mattress deals. Retailers tend to offer sales and discounts on mattresses during the early summer, especially in May.

How much does a good mattress cost?

In the mattress industry, the consensus is that a $500 mattress is a pretty standard mattress. Mattresses in this price range usually won't have many bells and whistles, but they are made of solid materials and last a long time. Higher-end mattresses ($700 to $1,000) typically include innovative features, higher-end materials and superior comfort and durability.

Can you finance a mattress?

Yes, you can finance a mattress. Most retailers offer financing programs for shoppers who don't have the cash to pay for a new mattress upfront. These include monthly payment plans. Some mattress companies will approve you for financing regardless of your credit. You also might consider taking out a personal loan.

Can you negotiate mattress prices?

Usually, the price you see when shopping retail is the price you pay. If a retailer does negotiate, it probably means the price is higher than the industry standard.

Bottom line

You don't have to spend thousands of dollars to get a quality mattress. Before making your purchase, consider your budget and who will be using the mattress. This helps you decide what features you need. If you're looking to keep your costs down, consider buying online — you can save a significant amount of money without waiting for a seasonal deal.

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