HOMEOWNER HACKS

HOMEOWNER HACKS

HOMEOWNER HACKS

The Smart Homeowner's Guide to Choosing Paint Colors (and Avoiding Costly Repaints)

Benjamin Schieken, Fincast founder and mortgage loan originator, providing mortgage transparency tools and loan comparison guidance for confident homebuyer decisions

Written by

Mack Abbott

Choosing paint colors sounds simple until you’re standing in front of hundreds of swatches that all look different at home than they did in the store. The average homeowner spends $ 400 to $800 to paint a room. Knowing how to choose the right paint colors helps you avoid redoing them and wasting money.

Key Takeaways

  • Designers choose paint based on lighting and surroundings, not trends

  • Undertones matter more than the color name on the can

  • Neutral doesn’t mean boring—it means flexible

  • Testing correctly prevents expensive repainting

  • One cohesive color strategy makes a whole home feel intentional

Why Getting it Right Saves Money

Most homeowners underestimate the cost of fixing a paint color that doesn’t work.

Average Repainting Costs

  • DIY repaint: $150-$300 per room

  • Professional repaint: $400-$800 per room

  • Whole-home color correction: $2,500-$6,000+

These costs don’t include furniture moving, wall prep, or the frustration of having to live through the process twice. Getting it right the first time isn’t perfectionism, it’s financial common sense.

The Hidden Costs of Rushing Color Decisions

Beyond the obvious expenses of repainting, homeowners often don’t consider:

  • Wasted paint from the first attempt: $50-$150 per room

  • Additional primer needed to cover mistakes: $30-$60

  • Replacement decor to match the paint mistake: $200-$1,000+

  • Professional color consultation to fix the mistake: $100-$300

💡Pro tip: Premium paint ($50-70/gallon) in main living areas often outlasts budget paint ($25-35/gallon) that needs recoating sooner

Start With the Room’s Fixed Elements

Interior designers rarely start with paint. They start with what can’t easily change.

Look at:

  • Flooring (wood tone, tile color, carpet warmth)

  • Cabinets and countertops

  • Stone, brick, or fireplace surrounds

  • Large furniture you’re keeping

Paint should support these elements, not fight them. For example, a cool gray wall can clash badly with warm wood floors, even if both look great on their own.

Takeaway: Let permanent finishes narrow your paint options before you ever look at swatches.

Understand Undertones (This Is the Big Secret)

Most paint mistakes come down to undertones, not color depth.

Common undertones include:

  • Warm: yellow, red, beige

  • Cool: blue, green, violet

  • Neutral: balanced, but still leaning slightly warm or cool

Two paints that look identical on a card can behave completely differently on the wall once undertones react to light and nearby finishes.

💡 Pro Tip: Compare paint samples against something truly white (like printer paper) to reveal hidden undertones.

Use Lighting as Your Primary Filter

Designers think about lighting before committing to any color.

Consider:

  • Natural light direction (north, south, east, west)

  • Time of day the room is most used

  • Type of artificial lighting (warm vs. cool bulbs)

North-facing rooms often make colors look cooler and darker. South-facing rooms usually intensify warmth. A color that feels calm in one room can feel gloomy or harsh in another.

Takeaway: Always judge paint in the lighting conditions where it will actually live.

Build a Whole-Home Color Strategy

Rather than choosing colors room by room, designers think in terms of flow.

A simple strategy:

  • One main neutral used in most spaces

  • One or two secondary colors for variety

  • Accent colors are reserved for small areas

This approach prevents the “every room is different” look that can make a home feel choppy or chaotic.

💡 Pro Tip: Slightly different shades of the same color family often look more professional than totally different colors.

Sample Paint the Designer Way (Not the Hardware Store Way)

Tiny sample squares on the wall don’t tell the full story.

Designers typically:

  • Paint large sample areas (at least 12x12 inches)

  • Test on multiple walls

  • Observe for several days

  • Check the color in the morning, afternoon, and night

The Sampling Investment That Pays for Itself

Many homeowners skip proper testing to save $20-40 on sample pots. This is backwards thinking.

Smart sampling strategy:

  • Sample pots: $5-8 each

  • Test 2-3 colors: $15-25 total

  • Poster board for moveable samples: $5-10

  • Total investment: $20-35

What this prevents:

  • Entire room repaint: $400-800

  • Wasted original paint: $100-200

  • Time lost: 8-16 hours

  • Potential savings: $500-1,000

Takeaway: The cost of proper sampling is far less than repainting an entire room.

Know When to Go Neutral (and When Not To)

Designers rely heavily on neutrals—but strategically.

Neutrals work best when:

  • You want flexibility with décor

  • The room connects to many others

  • You plan to change furniture or finishes later

Bolder colors work best when:

  • Used intentionally (offices, powder rooms)

  • Balanced with plenty of light

  • Not competing with busy finishes

Takeaway: Neutral walls with personality usually outperform trendy colors in the long term.

Step-by-Step Framework: Choosing Paint Like a Pro

  1. Identify the room’s fixed elements

  2. Determine whether the space needs warm or cool tones

  3. Evaluate natural and artificial lighting

  4. Choose a main neutral that works across rooms

  5. Narrow choices to 2–3 similar colors

  6. Test large samples in real conditions

  7. Decide only after living with samples for a few days

Move slowly. Designers rarely rush color decisions.

Common Mistakes and Red Flags

  • Choosing paint before flooring or cabinets

  • Ignoring undertones

  • Testing only one small patch

  • Judging color at night only

  • Falling for trendy names instead of behavior

Most paint regrets come from skipping steps, not choosing the “wrong” color family.

FAQs

How do interior designers choose paint colors?

Interior designers choose paint colors by evaluating lighting, undertones, and fixed elements first, then testing samples in real conditions before committing.

What is the safest paint color for homeowners?

Soft, balanced neutrals with subtle undertones are usually the safest paint colors because they adapt well to changing décor and lighting.

Why does paint look different on the wall than in the store?

Paint changes based on lighting, surrounding colors, and room size, which is why in-store lighting is rarely accurate.

Should all rooms be the same color?

Not necessarily, but using related colors or shades from the same family can create a smoother flow and a more professional look.

How many paint samples should I test?

Most designers recommend testing at least two or three similar colors to compare undertones and depth.

Bottom Line

Choosing paint like an interior designer isn’t about having better taste—it’s about following a proven process. When you let lighting, undertones, and fixed elements lead the decision, paint becomes one of the easiest ways to make your home feel polished, cohesive, and intentionally designed.




Disclaimer: Nothing in this content should be considered financial advice. The examples and data shared are for general information only and may not reflect your personal situation. We do not guarantee the accuracy or completeness of the information provided. Always do your own research and speak with a qualified financial advisor before making any financial decisions.

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Fincast, Inc. is a digital shopping technology and online marketplace with its main business address located at 66 West Flagler Street, 9th Floor, Miami, FL 33130, Telephone Number (866) 986-1680. Fincast, Inc. provides administrative and marketplace services by matching consumers, who are prospective borrowers, with one or more banks, brokers, and/or lenders (each a "Lender"). Fincast, Inc. may also connect consumers with relevant Settlement Companies and/or Insurers that offer products and/or services of interest. Fincast, Inc. is not a Lender, Settlement Company, or Insurer and does not: originate, underwrite, make or refinance loans; make credit decisions in connection with loans or insurance policies; issue loan commitments or lock-in agreements; or guarantee that your submission of information on the Site will result in the origination or refinancing of a loan from a Lender, a policy from an Insurer; or guarantee a better deal or economic benefit of any kind.

Fincast, Inc. does not include information about every financial or credit product or service.Fincast, Inc. calculates and discloses averages based on comparisons of Loan Estimates presented along with data compiled from consumers and companies. Fincast, Inc. does not guarantee these claims or complete accuracy of these figures, as they are constantly changing and are estimated at a particular moment in time. Fincast, Inc. does not guarantee the accuracy of the information provided by lenders in our bidding platform and Fincast cannot be held liable for any deal detail discrepancies or miscalculations. These offers and deals are not guaranteed and are subject to change.

Fincast, Inc. NMLS Consumer Access #2496069 MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.

This site is directed at, and made available to, persons in Colorado, Texas, and Florida only.

© 2026 Fincast, Inc. All Rights Reserved

Fincast, Inc. is a digital shopping technology and online marketplace with its main business address located at 66 West Flagler Street, 9th Floor, Miami, FL 33130, Telephone Number (866) 986-1680. Fincast, Inc. provides administrative and marketplace services by matching consumers, who are prospective borrowers, with one or more banks, brokers, and/or lenders (each a "Lender"). Fincast, Inc. may also connect consumers with relevant Settlement Companies and/or Insurers that offer products and/or services of interest. Fincast, Inc. is not a Lender, Settlement Company, or Insurer and does not: originate, underwrite, make or refinance loans; make credit decisions in connection with loans or insurance policies; issue loan commitments or lock-in agreements; or guarantee that your submission of information on the Site will result in the origination or refinancing of a loan from a Lender, a policy from an Insurer; or guarantee a better deal or economic benefit of any kind.

Fincast, Inc. does not include information about every financial or credit product or service.Fincast, Inc. calculates and discloses averages based on comparisons of Loan Estimates presented along with data compiled from consumers and companies. Fincast, Inc. does not guarantee these claims or complete accuracy of these figures, as they are constantly changing and are estimated at a particular moment in time. Fincast, Inc. does not guarantee the accuracy of the information provided by lenders in our bidding platform and Fincast cannot be held liable for any deal detail discrepancies or miscalculations. These offers and deals are not guaranteed and are subject to change.

Fincast, Inc. NMLS Consumer Access #2496069 MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.

This site is directed at, and made available to, persons in Colorado, Texas, and Florida only.

© 2026 Fincast, Inc. All Rights Reserved