A huge part of a kitchen remodel expense involves appliances. Can you keep any of your current appliances? Doing so will save you thousands of dollars, no joke. I’m sticking with stainless appliances, a new stainless sink, and my Delta faucet (which I love, and it’s fun to watch guests try and figure out how to turn on). All of my appliances work perfectly fine, but we are getting a new refrigerator and stove. Because of my job we really need two refrigerators and I splurged on a double oven range since I couldn’t fit double ovens anywhere without sacrificing cabinets.
If you’re thinking about updating appliances or adding new ones, a kitchen remodel is the perfect time to do so, as your cabinet design will be built around your appliance specs. New appliances can give your kitchen a fresh look, but it’s important to choose the right appliances for your needs. If you don’t spend a lot of time in the kitchen, standard appliances might be sufficient. If you enjoy cooking, baking and entertaining, top-of-the-line appliances may be essential.
If you decide to do a major change and rearrange your appliances, you will have to relocate the pipes. This often involves getting new pipes – installing additional pipes costs about $1,100 – and connecting them to the main line. This also means spending more on labor and, in some cases, hiring a plumber. Plus, you might have to get a permit from the city. These building permits could cost up to $800 if your contractor gets it for you.

The homeowners replaced the awkward upper cabinets with shelving that makes the most of the kitchen's pitched ceiling. They also ditched the lower cabinets for freestanding components, including a stainless steel rolling island and a mango-wood Crate & Barrel console fitted with a marble top. A red Aga gas stove offers a serious upgrade over the old electric model.
Keep in mind, however, that some personal loan companies let you borrow only up to $35,000 or $40,000, which means you may need to consider another option if your borrowing needs are greater. Also note that while personal loans can offer fixed interest rates as low as 4 percent, the best rates and terms tend to go to borrowers with good or excellent credit.
Speaking of sale price, your expected date of sale has an effect on your total cost. Like I said above, if you plan on living in the home for a long time, don’t be afraid to splurge. After all, this is your kitchen, one of the most trafficked rooms in any house. However, if you plan on selling your house in the near future, say less than three years after the remodel, don’t go crazy with your kitchen renovation. 
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