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Christmas Spending Family of Four 2021

How Much Does the Average Christmas Cost a Family of Four?

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It’s the most wonderful time of the year…and the most expensive.

According to compiled data, Americans spend more money during the winter holidays than at any other time of the year. 

This, of course, includes Christmas, which can be a pretty big budget item for a family of four.

The 2020 Christmas season felt a lot different than previous years (thanks, Covid), with many families forgoing traditional travel or large gatherings. 2021 promises a bit of return to normalcy. 

With these trends, how much does the average Christmas cost a family of four these days?

Finance personality Dave Ramsey estimates that the average family will spend almost $1,000 on Christmas this year. That’s down about $50 from last year, but still a significant amount of money.

Here’s a breakdown:

Deck the halls with boughs of holly

Typically, decorations and food are a pretty big part of the average holiday spending.

The modern custom of cutting down and decorating a fresh Christmas tree has its origins in 18th century Germany. For families who find a real tree each year, this certainly contributes to the cost of the holidays. Last year, the average price of a Christmas tree was $81.

So does staying on top of holiday decorating trends, even if they’re DIY. Beautiful, premade decorations and craft supplies both cost money, after all.

If you’re hosting a party, expect to spend on food, drinks, and festive decorations.

I’ll be home for Christmas

Travel continues to increase after last year’s lockdowns, and many more families are sure to be filling up the tank or taking to the skies for the Christmas holidays.

It’s not much of a secret that the cost of gasoline is going up in the US, with the current average at just under $3.50 per gallon. That’s a cost that can add up significantly for long road trips.

And for families who might fly to reach their holiday destination, airfare is currently trending down, but still averages $260 per person for a round-trip flight. Any family of four flying for Christmas can expect to spend much more than the average family this season.

My true love gave to me

Christmas is the season of giving, which also often means it’s the season of spending. Typically, gifts make up the greatest percentage of Christmas spending.

Some families will spend much less on small, intimate holidays with close family and friends and a few meaningful presents. Others will spend much more on extravagant, festive gatherings with dozens of gifts for everyone on their lists.

There could potentially be a lot of people to buy for, especially in a family of four. Neighbors. Teachers. Sports teams. Coworkers. Classmates. And of course, friends and family.

No matter your family’s Christmas spending habits, you’re sure to spread holiday cheer with decorations, visits to loved ones, and thoughtful gifts.

Need help keeping all those presents straight? has you covered for family wish list management. It’s the perfect solution for the season of giving, so you’ll get it right every time.

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