Does a home water filter pay over bottled water?

Compare an under-sink reverse osmosis (RO) system, countertop filter, or pitcher plus replacement cartridges against buying bottled water cases or 5-gallon jug delivery.

5-year net savings
+$3,772
Home filter ($745) vs Bottled water ($4,517) over 5 yrs
Example calculationYes, breaks even in 4 months and saves $3,772 over 5 years

At 1.5 gallons/day (548 gal/yr), a $260 home filter system with $97/yr in cartridges and tap water pays for itself in 4 months. You save $546 in year 1 and $3,772 over 5 years while avoiding 4,147 single-use 16.9 fl oz bottles per year.

5-year net savings
+$3,772
$745 filter vs $4,517 bottled (5 yrs)
Year-1 net savings
+$546
4 months to recover $260 upfront
Effective cost per gallon
$0.27 vs $1.65
Filter vs bottled per gallon (5 yrs)
Plastic bottles avoided
4,147/yr
20,735 16.9oz bottles over 5 yrs

Side-by-side 5-year water cost breakdown

Upfront filtration system, plumbing install, bottled water cases or jugs, cooler delivery fees, replacement cartridges, and municipal water
Drinking water cost itemBottled waterHome water filter
Upfront filter system / bottle cooler setup$0$260
Plumber or handyman installation$0$0
Bottled water cases or 5-gallon jugs (5 yrs)$4,517$0
Cooler rental & delivery fees (5 yrs)$0$0
Replacement filter cartridges & RO membranes (5 yrs)$0$425
Municipal tap & RO reject water (5 yrs)$0$60
Total 5-year drinking water cost$4,517$745
Effective cost per gallon (2,738 gallons)$1.65/gal$0.27/gal

5-year cumulative cost and plastic bottle savings

See how fast recurring bottled water cases or 5-gallon deliveries overtake an under-sink filter:

Cumulative bottled water cost, home filter cost, net savings, and 16.9 fl oz plastic bottles avoided across years 1 to 5
HorizonBottled waterHome water filterCumulative savings16.9oz bottles avoided
Year 1$903$357+$5464,147 bottles
Year 2$1,807$454+$1,3538,294 bottles
Year 3$2,710$551+$2,15912,441 bottles
Year 4$3,614$648+$2,96616,588 bottles
Year 5$4,517$745+$3,77220,735 bottles

How this calculator works

A typical 2-to-3-person household uses roughly 1.5 gallons of purified water per day for drinking, coffee, ice, and cooking (548 gallons per year). Buying that volume in supermarket 24-packs of 16.9 fl oz bottles at $1.65 per gallon costs about $903 every year and requires hauling more than 4,100 single-use plastic bottles home from the store.

Including replacement cartridges and RO reject water

Many filter calculators ignore ongoing consumables. This model includes both annual sediment/carbon pre-filter sets and reverse osmosis membrane replacements ($65 to $110 per year), plus the municipal water and sewer bill for the 3-to-1 reject water ratio of a standard under-sink RO system (typically $10 to $15 per year).

Frequently asked questions

How much does an under-sink reverse osmosis filter cost per gallon?

Including the $260 upfront system, $85 per year in replacement pre-filters and RO membranes, and $12 per year in municipal water and wastewater charges, a home RO system produces purified water for about $0.27 per gallon over five years, compared with $1.25 to $2.00 per gallon for bottled water.

Does reverse osmosis waste a lot of tap water?

A traditional tank-style RO system sends roughly 3 gallons of reject water down the drain for every 1 gallon of purified drinking water. However, because drinking water is a tiny fraction of household water use, 1.5 gallons/day of drinking water uses only about 2,200 gallons of total feed water per year, which costs roughly $12 per year at average U.S. water and sewer rates.

How many 16.9 oz bottles equal one gallon of water?

One U.S. liquid gallon is 128 fluid ounces, so 1 gallon equals 7.57 standard 16.9 fl oz (500 mL) water bottles. A household drinking 1.5 gallons per day avoids 4,147 plastic bottles per year.

Benchmark sources and dates

Starting assumptions are example benchmarks, not binding quotes. Change any input to match your own bills or offers.

Assumption / InputStarting valueSourceChecked
Under-sink reverse osmosis (RO) system purchase and annual replacement filter/membrane cost$260 upfront DIY under-sink RO system + $85/yr replacement sediment, carbon, and RO membrane cartridgesNSF International Certified Drinking Water Treatment Units and Consumer Reports Water Filter Guide2026-04-01
Municipal tap water and RO reject water utility cost$12/yr municipal water and sewer volume for 1.5 gal/day product water (at 3:1 RO brine ratio)U.S. Environmental Protection Agency WaterSense Indoor Water Use and Municipal Rate Benchmarks2026-04-01
Retail bottled water price per gallon (cases of 16.9 fl oz bottles vs 5-gallon delivery)$1.65/gallon for multi-pack 16.9 fl oz (500 mL) casesU.S. Bureau of Labor Statistics Average Retail Food and Beverage Prices and IBWA Benchmarks2026-04-01
Household daily drinking and cooking water consumption1.5 gallons/day (547.5 gallons/year, equivalent to 4,147 single-use 16.9 fl oz bottles/year)Centers for Disease Control and Prevention (CDC) Plain Water Intake Benchmarks2026-04-01