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Why I paid $95 to recycle a mattress — and you might, too

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The author paid a company, Renewable Recycling, to pick up and recycle his queen-size mattress in New York City.

Greg Iacurci

I paid $95 to recycle a mattress.

It may sound odd, silly even, to pay so much to dispose of a run-of-the-mill household item.

But the economics of mattress recycling illustrate why it can be difficult — and costly — to be an eco-friendly consumer in the U.S.

Americans discard about 15 million to 20 million mattresses each year, according to the Mattress Recycling Council. That’s an average of about 50,000 per day.

Most end up in a landfill, experts said.

Mattresses are “one of the hardest things to recycle,” said Alicia Marseille, a sustainability and circular economy expert at Arizona State University.

“It’s a massive waste stream,” she said.

‘It’ll probably be there for hundreds of years’

Mattresses at a garbage dump.

Robert Brook | Corbis | Getty Images

My mattress — a queen-sized hand-me-down from family and probably close to two decades old — was in desperate need of replacement. The average mattress has a lifespan of about 14 years, from manufacture to consumer disposal, according to MRC.

But what to do with it?

I live in Brooklyn, where residents can dispose of a mattress for free as part of routine trash pickup.

As someone who meticulously tries to cut waste in everyday life — avoiding single-use plastics, composting food scraps — it was painful to think of mine wasting away in a landfill.

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“If you put your mattress in a landfill, it’ll probably be there for hundreds of years, just sitting there,” said Meg Romero, the recycling and litter control superintendent for Charles County, Maryland.

Surely, I can find a new home for it instead, I thought.

Wrong.

After two weeks of unsuccessful dispatches to local homeless shelters, organizations like The Salvation Army and Goodwill, and community forums like Buy Nothing and The Freecycle Network, I’d exhausted my patience for a free-giveaway option.

Individuals who donate a mattress to certain groups may be able to claim a tax deduction for its fair market value on their federal tax return. Taxpayers would need to itemize their deductions to benefit.

Did I neglect to reach out to some interested parties? Probably. Might someone else have different results? Yes. But my personal cost-benefit analysis dictated that it was time to ditch donations.

I researched some recycling options, and selected Renewable Recycling Inc., based in East Rockaway, New York. There are few other U.S. companies that do such work, experts said. A directory compiled by MRC lists just 55.

How a mattress is recycled

Mattresses are picked up and placed into a truck to be hauled to a recycling facility at the Prima Deshecha landfill in San Juan Capistrano, California, on March 10, 2022.

Mark Rightmire/MediaNews Group/Orange County Register via Getty Images

More than 75% of a mattress is recyclable, according to MRC. Some companies put it at closer to 90%.

Recyclers strip them of materials like wood, steel, and various foams and fibers, and sell them into secondary markets.

The materials are then re-purposed: Shredded foam and fibers as carpet padding, animal beds or insulation; wood as mulch and fuel; and springs as scrap steel, for example.

“If you can recycle, it will give those materials another life to be used as something else,” said Romero of Charles County, which launched a mattress recycling program for residents on Aug. 1.

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That re-use has other environmental benefits. For example, there’s a reduced need to extract or source new materials for manufacturing, which cuts greenhouse gas emissions and water and energy use, experts said.

Unusually, the Charles County service is largely free for residents. They can bring two items a day — like a mattress and box spring — to the Charles County Landfill for recycling for no charge. Additional items cost $10 per piece.

Residents recycled more than 900 mattresses in September, over double officials’ estimates, Romero said. The county contracts with a Baltimore-based company, Deco Solutions, to manage the process.

Charles County’s motivations weren’t purely environmental, though.

Mattresses are bulky, taking up precious real estate in the county landfill, Romero said.

“A landfill is a limited, finite space,” said Peter Conway, the president of Spring Back Colorado, a recycler based in Commerce City. “They want to put things that break down, things that are easily compactible.”

“Mattresses are kind of the antithesis of that,” Conway said. He expects to divert 8 million pounds of waste from Colorado landfills this year.

Why mattress recycling can be expensive

Shredded old mattress materials.

Guillaume Souvant | Afp | Getty Images

The $95 fee I ultimately paid to Renewable Recycling is “pretty standard” among mattress recyclers, Conway said.

The expense covered mattress pickup from my Brooklyn apartment and transport to the company’s warehouse in Oceanside, New York. (I could have saved $55 by dropping off the mattress myself, but I don’t own a car.)

Spring Back Colorado also charges $40 for each mattress and box spring that a consumer drops off. An additional fee of $60 or more applies, depending on the travel distance, if a consumer asks for home pickup.

Mattresses are harder to recycle than other items like plastic bottles, aluminum cans and cardboard, said Romero, of Charles County.

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“They’re all made completely differently,” Romero said. “There’s no uniform construction, and there are several different types of materials used to make one mattress.”

The process is more time- and labor-intensive, she said. Often, workers must break them down by hand.

For example, cotton remnants must be picked off steel mattress springs before it can be shredded or baled for sale to scrap markets, according to the Mattress Recycling Council. Staples also need to be removed from wood frames before going to market, it said. Each coil in a “pocket coil mattress” is individually wrapped in fabric and must be separated, Romero said.

‘Razor-thin margins’

Additionally, mattress materials yield only “modest revenues” when sold, Reid Lifset, a research scholar and resident fellow in industrial ecology at Yale School of the Environment, wrote in an e-mail.

Those revenues often depend on fluctuating commodity prices.

“We don’t set the price for a ton of foam or steel,” Conway said. “One day we might get 18 cents a pound and the next week only get 10 cents.”

If you put your mattress in a landfill, it’ll probably be there for hundreds of years, just sitting there.

Meg Romero

recycling and litter control superintendent for Charles County, Maryland

There must also be a market demand for those commodities — and sometimes those markets aren’t nearby, adding to shipping costs.

For example, Spring Back Colorado used to send all its foam and ticking to a recycling center in California, Conway said. It cost the company about $2,000 to ship each truck load.

About a year ago, that California partner stopped accepting shipments: Demand had dried up for material, Conway said. He called companies as far afield as Mexico, Canada, India and Egypt to find alternative placement, but ultimately found a new partner in Texas, he said.

“It’s pretty razor-thin margins we operate on,” Conway said.

Spring Back Colorado earns additional revenue from mattress pickups and drop-offs, and from partnerships with businesses and municipalities, he said.

“Someone has to pay,” said Marseille, of Arizona State University. “It usually falls to consumers.”

Consumer fees subsidize recycling efforts

Kosamtu | E+ | Getty Images

Some states and municipalities are making it more cost-effective for consumers to recycle their mattresses.

For example, Charles County, Maryland, funds its fledgling mattress program largely with taxpayer money. About $150 of residents’ taxes are allocated to the county’s Environmental Resources division each year, for services like curbside recycling, disposal of yard waste, oil and anti freeze — and now mattress recycling, Romero said.

Three states — California, Connecticut and Rhode Island — have enacted mattress recycling laws since 2013. A similar program in Oregon is launching Jan. 1, 2025.

The laws require the mattress industry to develop and administer state programs to collect and recycle discarded mattresses for free.

The initiative is funded by consumers, though.

Someone has to pay. It usually falls to consumers.

Alicia Marseille

sustainability and circular economy expert at Arizona State University

Individuals and institutions (like hotels and dormitories) in such states pay a fee each time they buy a mattress: $10.50 in California, $11.75 in Connecticut, $20.50 in Rhode Island and $22.50 in Oregon, said Amanda Wall, a spokesperson for the Mattress Recycling Council. MRC is a nonprofit created by the International Sleep Products Association, a mattress industry trade group, to build and run these state programs.

Retailers forward those fees to MRC, which funds the consumer recycling efforts. Ultimately, the fees subsidize free mattress drop-off and recycling at any MRC-funded collection site in participating states, Wall said. (Recyclers can still charge a fee for mattress pickup, she said.)

The mattress industry has pushed for similar legislation in New York, Massachusetts, Maryland and Virginia this year, and plans to keep working with these state legislatures in 2025, Wall said.

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The laws are an example of “extended producer responsibility” policies states have adopted more broadly, forcing companies to bear some end-of-life responsibility for their products, said Marseille.

Some question whether consumers shoulder too much of the burden right now.

“Companies aren’t making, for the most part, more easy-to-recycle products,” Conway said. “It’s on the consumer to figure out how to responsibly get rid of their items in a conscious way.”

He thinks it needs to be easier and more affordable for consumers to recycle to promote that behavior.

“At the end of the day, if you have two options, and one is throw it in a hole in the ground, and the other is recycle it, 95% of the people will go with that cheaper option,” Conway added.

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Personal Finance

Navigating Residential Real Estate and Mortgage Strategy

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The 2026 residential real estate market presents a nuanced landscape for homebuyers, current homeowners, and property investors. With benchmark mortgage rates adjusting alongside Treasury yield movements, real estate strategies require careful evaluation of borrowing costs, local market supply dynamics, and long-term home equity management.

Adapting Homebuying Strategies to Mortgage Dynamics
Prospective homebuyers are adapting to fixed 30-year mortgage rates hovering between 6.0% and 6.8%. While borrowing costs are elevated compared to historical lows seen in prior decades, moderating home price growth across several regional markets is creating selective opportunities for buyers with strong credit profiles.

Homebuyers are increasingly utilizing strategic mortgage options:
– Builder Rate Buydowns: Purchasing new construction homes where developers offer temporary or permanent interest rate buydowns to lower initial monthly payments.
– Adjustable-Rate Mortgages (ARMs): Selecting 5/1 or 7/1 hybrid ARMs with strict rate caps for short-to-medium-term housing plans.
– Points and Financing Structure: Evaluating upfront discount point purchases to secure lower fixed interest rates over the loan term.

Home Equity Utilization and Renovation Financing
For existing homeowners holding low-rate legacy mortgages, moving to a new property often entails relinquishing favorable debt terms. Consequently, many homeowners are choosing to renovate and expand existing properties rather than sell.

Home Equity Lines of Credit (HELOCs) and home equity loans allow homeowners to access accumulated property equity for capital improvements without disturbing their primary mortgage rate. Utilizing home equity for value-adding property renovations can enhance living space while increasing long-term property values.

Strategic Real Estate Investment Guidelines
For residential property investors, achieving positive cash flow requires strict underwriting standards:
– Stress-Test Operating Expenses: Factor in rising property insurance premiums, local property taxes, and ongoing maintenance reserves.
– Focus on High-Growth Rental Markets: Target regions experiencing steady job growth and sustained tenant demand.
– Maintain Cash Buffers: Ensure property portfolios maintain dedicated emergency reserves to navigate unexpected vacancy periods or major repairs.

Actionable Homeownership Steps
1. Evaluate Complete Monthly Housing Costs: Assess property taxes, homeowners insurance, and HOA fees alongside principal and interest.
2. Leverage Renovation Equity Carefully: Utilize equity loans strategically for renovations that generate long-term property value.
3. Prioritize Credit Score Optimization: Secure top-tier credit scores prior to mortgage pre-approval to qualify for competitive lender pricing tiers.

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Personal Finance

$20,000 Caution Bond Requirement for US Visa Applications imposed on 50 Countries

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The United States Department of State has officially implemented a revised visa policy introducing a mandatory posting requirement for caution payments of up to $20,000 on select foreign travel applications. Under the updated regulatory framework, consular officials are authorized to require temporary nonimmigrant visa applicants from targeted foreign countries to post a refundable financial bond of $20,000 as a condition for visa issuance. The policy mechanism is designed to address diplomatic concerns regarding high overstay rates among temporary visitor, business, and educational visa categories.

The caution bond pilot program applies selectively to foreign nationals from designated countries whose diplomatic entities record historical visa overstay rates exceeding established federal thresholds. Under administrative guidelines published by the State Department, the full financial deposit is posted directly to a dedicated federal escrow account prior to final visa issuance. The entire caution payment is automatically refunded to the applicant upon verified proof of timely departure from the United States in strict compliance with the authorized duration of stay. Conversely, failure to depart within the legal timeframe results in full forfeiture of the posted financial bond to the United States government.

Diplomatic representatives and travel policy experts have expressed varying perspectives regarding the operational implementation of the caution bond system. Administration officials emphasize that the measure serves as an effective, market-based incentive to enforce international travel compliance and preserve domestic immigration security standards. However, international trade organizations and foreign diplomatic missions have raised concerns regarding the financial burden imposed on legitimate business travelers, foreign students, and commercial partners from developing nations.

The United States finalized the rule to make the temporary visa bond program permanent, taking effect on August 3, 2026. The updated permanent regulation replaces the prior 12-month pilot, eliminates the lowest $5,000 tier, and raises the maximum required bond amount to $20,000 for specific B-1/B-2 business and tourist visa applicants.

Here is the list of the 50 countries on the list as o August 3, 2026

African Nations (31 Countries)

  • Algeria
  • Angola
  • Benin
  • Botswana
  • Burundi
  • Cabo Verde (Cape Verde)
  • Central African Republic
  • Côte d’Ivoire (Ivory Coast)
  • Djibouti
  • Ethiopia
  • Gabon
  • The Gambia
  • Ghana
  • Guinea
  • Guinea-Bissau
  • Lesotho
  • Malawi
  • Mauritania
  • Mauritius
  • Mozambique
  • Namibia
  • Nigeria
  • São Tomé and Príncipe
  • Senegal
  • Seychelles
  • Tanzania
  • Togo
  • Tunisia
  • Uganda
  • Zambia
  • Zimbabwe

Asian & Eastern European Nations (11 Countries)

  • Bangladesh
  • Bhutan
  • Cambodia
  • Georgia
  • Kyrgyzstan
  • Mongolia
  • Nepal
  • Papua New Guinea
  • Tajikistan
  • Turkmenistan
  • Uzbekistan

Caribbean & Latin American Nations (5 Countries)

  • Antigua and Barbuda
  • Cuba
  • Dominica
  • Grenada
  • Venezuela

Oceanian Nations (3 Countries)

  • Fiji
  • Tonga
  • Vanuatu

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Personal Finance

Next-Generation Retirement Planning: Managing Longevity Risk and Variable Income Streams

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Retirement planning strategies are evolving in 2026 to address increased life expectancies, shifting dynamic market conditions, and the transition away from traditional defined-benefit pensions. Individual investors and financial advisors are abandoning rigid retirement models in favor of flexible, multi-asset strategies designed to mitigate longevity risk and preserve purchasing power over multi-decade retirement horizons.

Mitigating Longevity Risk with Dynamic Asset Allocation
As average life expectancies extend past eighty-five years, one of the primary financial risks facing retirees is outliving their accumulated wealth. Traditional fixed income allocations—such as the standard 60/40 equity-to-bond portfolio—are being reevaluated to ensure portfolios generate sufficient capital growth alongside reliable income.

Financial planners recommend maintaining a meaningful equity allocation throughout retirement to offset long-term inflation erosion. High-dividend equity funds, global real estate investment trusts (REITs), and inflation-indexed Treasuries are combined to create diversified portfolios that deliver both growth and income stability.

The Transition to Dynamic Withdrawal Strategies
The classic “4% safe withdrawal rule” is increasingly replaced by dynamic withdrawal strategies that adapt annually based on market performance. Under a dynamic withdrawal framework, retirees adjust their annual distribution rates within pre-set caps and floors:
– Market Upside: During strong market returns, retirees can increase discretionary spending or fund family legacy gifts.
– Market Downturns: During market pullbacks, spending distributions are temporarily reduced to prevent sequence-of-returns risk and preserve core investment principal.

Guaranteed Lifetime Income Options and Deferred Annuities
To establish a guaranteed baseline for essential living expenses, individuals are incorporating modern fixed-indexed and deferred longevity annuities into their broader retirement architectures. Modern annuity structures offer competitive return caps, transparent fee schedules, and inflation-adjustment options.

By funding essential expenses—such as housing, healthcare, and insurance—with guaranteed income streams from Social Security, pensions, and annuities, retirees can manage discretionary investment portfolios with greater flexibility and lower emotional stress during market volatility.

Actionable Steps for Future Retirees
1. Calculate Baseline Retirement Expenses: Determine fixed living costs and map guaranteed income sources to cover essential expenditures.
2. Adopt Flexible Withdrawal Rules: Implement dynamic spending rules to protect investment principal against market downturns.
3. Incorporate Inflation-Protected Assets: Maintain exposure to dividend-growing equities and inflation-indexed bonds to safeguard long-term purchasing power.

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