How Much Does a Deck Really Cost Per Month?

When most people think about deck costs, they think about the total price: $5,000, $8,000, $12,000. Big numbers that feel out of reach.

But here's a different way to think about it: what does a deck cost per month?

When you break it down into monthly payments, that dream deck suddenly feels a lot more achievable. Let's look at real numbers.

The Monthly Payment Reality

At Hershy Decks, we offer rent-to-own financing with no credit check. Here's what actual decks cost per month:

Small Decks (Entry-Level)

Size	Type	Monthly Payment
6x8	Treated, no roof	$69/mo
6x12	Treated, no roof	$90/mo
8x8	Treated, no roof	$85/mo
8x10	Treated, no roof	$105/mo
8x12	Treated, no roof	$115/mo

For less than your phone bill, you can have a small deck perfect for morning coffee or a simple entry landing.

Medium Decks (Most Popular)

Size	Type	Monthly Payment
10x12	Treated, no roof	$148/mo
10x16	Treated, no roof	$171/mo
10x16	Treated, WITH roof	$265/mo
12x16	Treated, no roof	$194/mo
12x16	Treated, WITH roof	$293/mo

For about what you spend on streaming services, eating out, and coffee combined, you can have a family-sized deck with room for dining, grilling, and relaxing.

Large Decks (Entertainer's Choice)

Size	Type	Monthly Payment
12x20	Treated, no roof	$229/mo
12x20	Treated, WITH roof	$353/mo
14x20	Treated, WITH roof	$400/mo
16x20	Treated, WITH roof	$444/mo

For less than a car payment, you can have serious outdoor living space that transforms your backyard.

Stained Wood Upgrade

Want the rich, warm look of stained wood instead of natural treated lumber? Here's the difference:

Size	Treated	Stained	Difference
10x16, no roof	$171/mo	$192/mo	+$21/mo
12x16, with roof	$293/mo	$315/mo	+$22/mo
12x20, with roof	$353/mo	$379/mo	+$26/mo

The stain upgrade costs roughly $20-30 more per month—about the cost of a couple of coffee drinks per week.

Putting It in Perspective

Let's compare your monthly deck payment to things you might already be spending money on:

$69/month (6x8 deck):

• Two trips to Starbucks per week

• One streaming service plus a fast food meal

• A tank of gas

$148/month (10x12 deck):

• Daily coffee habit

• Netflix + Hulu + Spotify + one dinner out

• About half a car payment

$265/month (10x16 with roof):

• Eating out twice a week

• A modest car payment

• Cable TV + streaming services + gym membership

$353/month (12x20 with roof):

• A car payment

• Eating out three times a week

• Monthly entertainment budget for a family

When you see it this way, a deck isn't some luxury that requires years of saving. It's a lifestyle choice that fits into a normal budget—if you prioritize it.

What You Get for Your Monthly Payment

That monthly payment isn't just for lumber and nails. Here's what's included:

Complete Construction

• Frame and substructure

• Decking boards installed

• Railings

• Steps

• Roof structure (if ordered with roof)

Delivery and Setup

• Transportation to your property

• Professional positioning

• Leveling and final adjustments

• Setup complete in 2-4 hours

Quality Materials

• Pressure-treated lumber (resists rot, insects, weather)

• OR stained wood with UV protection

• Metal roofing (on covered decks)

• Quality fasteners and hardware

No Hidden Costs

• No delivery fees

• No setup fees

• No surprise charges

The price we quote is the price you pay. Monthly.

The Math Over Time

Yes, you pay more than the cash price over time. That's the trade-off for accessible financing with no credit check. But consider:

• You get the deck NOW, not after years of saving

• No credit check means approval regardless of credit history

• Predictable monthly payments fit into your budget

• At the end, you own a real asset that adds value to your property

For many families, the ability to have a deck today—paid over time—is worth the premium.

Can You Pay It Off Early?

Absolutely. You can:

• Pay extra any month

• Make double payments when you have extra money

• Pay off the entire remaining balance whenever you want

Early payoff saves you money. We don't penalize you for paying ahead of schedule—we encourage it.

How to Budget for Your Deck

If you're thinking about getting a deck, here's how to figure out what you can afford:

Step 1: Look at your current spending

What are you spending money on that you could redirect?

• Subscription services you don't use

• Eating out more than you need to

• Impulse purchases

• Entertainment you could trim

Step 2: Determine your comfortable monthly amount

Be realistic. What can you commit to for 36 months without stress?

• $100-150/month: Small decks, entry options

• $150-250/month: Medium decks, family sizes

• $250-400/month: Large decks, covered options

Step 3: Find the deck that fits

Look at our pricing and find what falls within your budget. You might be surprised—the deck you want might be more affordable than you thought.

The Value Equation

A deck isn't just an expense. It's an investment in:

Daily Quality of Life

• Morning coffee outside

• Evening relaxation

• Fresh air and sunshine

Family Time

• Cookouts and gatherings

• Kids playing where you can see them

• Holiday celebrations with space to spread out

Home Value

• Outdoor living space adds real estate value

• Curb appeal improvement

• Desirable feature for future buyers

Mental Health

• Connection with nature

• Outdoor relaxation space

• Break from indoor screen time

How much is that worth? More than $150-300 per month, for most families.

Start With What You Can Afford

You don't have to start with your dream deck. Many customers begin with a modest size and add more later.

Starting option: 8x12 treated deck for $115/month

• Room for a small table and chairs

• Perfect for getting started

• Pay it off, then add a second deck for the back

Growth path: Start with uncovered, add roof later

• Get the base deck now at lower cost

• Add a covered deck or roof structure in the future

The best deck is one you actually have—not one you're still saving for years from now.

The Bottom Line

A quality deck costs $69-400+ per month depending on size and options. For most families, that's:

• Less than a car payment

• About what you spend on entertainment and dining out

• Totally achievable with minor budget adjustments

Stop thinking about decks as a $5,000 purchase you can't afford. Start thinking about decks as a $150/month lifestyle upgrade that's completely within reach.

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Ready to find the deck that fits your budget?

📞 Call us: (817) 933-8064 💬 Message us on Facebook 🌐 See all prices: hershydecks.com

Hershy Decks Rent-to-own available • No credit check Serving 200 miles from Itasca, TX Built in our shop. Delivered complete. No mess.