Average Spend On Clothing Monthly In The UK

James Beattie By James Beattie 5 Min Read

In life, there are really only three things you need. Food, shelter and clothing. However, the amount of money an individual spends on clothes each month varies wildly. If you’re trying to improve your finances, you may be wondering what the average spending on clothing is and what is a reasonable amount to spend based on the amount of money you earn.

In this article, we will dive into the average clothing spend in the UK to better understand how much you can afford to spend on clothes each month. This can be especially useful if you are trying to factor clothing into your monthly budget.

Key Facts & Figures

  • On average households spend 3.3 percent of their weekly household expenditure on clothing and footwear.
  • Weekly spending on clothing peaked in 2017 with households spending on average £25.90 per week whereas in 2022 households only spent £17.6 per week on average on clothing.
  • Award-winning Financial planner Pete Dunn says we should spend around 5% of our take-home pay on clothing per month.

Average Clothing Spend Per Household

According to the ONS data on household expenditure from 2022, households spend on average £17.60 per week on clothes and footwear. This amounts to £76.26 per month or £915.20 per year.

The average household had 2.3 people which means expenditure per person is approximately £33.16 per month.

How Much Should We Spend On Clothing Per Month As An Individual

As we mentioned in the key stats section, Financial Planning expert Pete Dunn recommends spending around 5% of our take-home pay on clothing. In my opinion, this is a reasonably good estimate for most people’s budgets.

However, if you’re on an income significantly higher than the median, you really don’t need to be spending 5%. Also, people who have jobs where they are client-facing and dressing well is important may want to spend slightly more on their wardrobe.

So depending on your circumstances, you may want to adjust this budget a couple of percent in either direction. Let’s take a look at how much 5% is monthly, based on different incomes in the UK.

Budget for clothing in the UK
Pre-TaxTake HomeMonthly5% On Clothing
£25,000.00£21,022.00£1,751.83£87.59
£30,000.00£24,422.00£2,035.17£101.76
£35,000.00£27,822.00£2,318.50£115.93
£40,000.00£31,222.00£2,601.83£130.09
£45,000.00£34,622.00£2,885.17£144.26
£50,000.00£38,022.00£3,168.50£158.43
£55,000.00£40,949.00£3,412.42£170.62
£60,000.00£43,849.00£3,654.08£182.70
£65,000.00£46,749.00£3,895.75£194.79
£70,000.00£49,649.00£4,137.42£206.87
£75,000.00£52,549.00£4,379.08£218.95
£80,000.00£55,449.00£4,620.75£231.04
£85,000.00£58,349.00£4,862.42£243.12
£90,000.00£61,249.00£5,104.08£255.20
£95,000.00£64,149.00£5,345.75£267.29
£100,000.00£67,049.00£5,587.42£279.37
How to budget monthly for clothing

For someone earning £25,000 per year a 5% budget for clothing would allow you to spend £87.59 per month. However, on that level of salary, you may be stretched tighter with other bills meaning you have to limit the amount of money you are spending on clothes.

The median salary in the UK is roughly £33,000 per year. At that income, a 5% clothing budget would allow you to spend roughly £107 per month on clothes. Personally, from what I see the average 20-30-year-old wearing, they are spending a lot more on this. Many people are out there wearing £175 hoodies, £200 shoes and have a new outfit every week. If this sounds like you. Cutting out these expensive clothes will help you save a lot of money.

Final Thoughts

When it comes to clothing, many people tend to overspend, especially in their 20s. When you are young, investing is so much more beneficial than it is 10 or 20 years down the line. Avoid spending money on designer clothes just to try and impress people. Nobody needs to be buying £150 hoodies, let’s be real.

Keep your clothing budget to no more than 5% of your take-home pay and ensure you are saving and investing 10-20% of your income. This will make a significant difference in your financial future.

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I'm passionate about personal finance and making money. Currently trying to FIRE solely by building online assets. Grew my stock portfolio to £86,000 by 26.
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