What this actually adds up to, per year
Add up the five things above — extra soap, extra energy for water heating, pipe and fixture wear, extra detergent and faster appliance wear, and voided appliance warranties — and independent research (Water Quality Research Foundation-funded studies) puts the typical cost at around $800 a year for an average hard-water household. Some industry estimates run higher, up to $1,000+ a year, depending on household size and how hard your specific water actually is. Either way: it's a real, ongoing cost, not a one-time inconvenience — and it's the same math whether or not anyone ever mentions it to you.