Murphy Bed

Q: What is a typical replacement cost for Murphy Bed?

Based on 74 calculations entered in the Claims Pages depreciation calculator, the median replacement cost for Murphy Bed is $899 (typical range $500 to $1,814, as of November 13, 2026). These are amounts entered by users of this tool, not carrier settlements.

Q: What is the annual depreciation rate for Murphy Bed?

Murphy Bed has an expected useful life of 12 years in the Claims Pages calculator, which is an annual depreciation rate of 8.33%. Actual cash value is calculated as ACV = RCV − (rate × RCV × age), floored at zero.

Calculate the actual cash value of Murphy Bed for insurance claims.

Item age (years)

Replacement cost (RCV)

Loss state (optional)

Individual calculations are not published; only anonymous aggregates appear when sample size qualifies.

From this calculator

What adjusters enter for Murphy Bed

Medians of replacement costs and ages typed into Claims Pages from Aug 11, 2026 through Nov 13, 2026 — not carrier settlements.

Median RCV $899

Typical range $500–$1,814

Median age 3 yrs

Based on 74 included calculations. Entries under $10, over $1,000,000, or with age over 100 years are excluded. As of Nov 13, 2026.

Example

Using the observed median age and replacement cost: a 3-year-old Murphy Bed at $899 RCV has an estimated ACV of $674.25 at 8.33% per year.

Depreciation rate: 8.33% / year

Keywords: murphy bed, home furniture & fixtures, equipment, depreciation item

The Depreciation Calculator should be used as a general guide only; there are many variables which can affect an item's life expectancy that should be taken into consideration when determining actual cash value.

An item that is still in use and functional for its intended purpose should not be depreciated beyond 90%.