National Retail Federation survey indicates average K-12 family spending will top $895 this autumn, driving increased consumer reliance on short-term installment debt.

WASHINGTON, DC — The National Retail Federation (NRF) released its final 2026 Back-to-School Consumer Index on Saturday, reporting that the average American household with school-aged children will spend an all-time high of $895.40 on required classroom supplies, clothing, and digital computing devices.
Total nationwide back-to-school expenditures are projected to reach $39.2 billion. Families reported sharp price increases in mandatory electronic tablets (up 11.2%), branded footwear (up 9.4%), and specialty paper products (up 7.8%).
"Even as headline inflation moderates, cumulative price increases over the last four years leave parents with little discretionary margin," stated NRF Vice President Katherine Cullen. "Over 42 percent of families report cutting back on summer travel or utilizing Buy-Now-Pay-Later micro-loans to purchase required supplies."
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