top of page

Measuring the Cost of Commuting in 2026

Traffic in Baltimore
The worst view of the day for many Americans facing the cost of commuting.

The average commute time rose to 27.2 minutes in 2024, almost reaching the pre-pandemic average commute of 27.6 minutes.  Most Americans are commuting, but most knowledge workers with remote-capable jobs are not commuting everyday.  Despite some high-profile companies reverting entirely to in-office requirements, trends show that hybrid work is here to stay.  Hybrid work means workers are only commuting some of the time.  The variability in hybrid workers’ situations result in a wide range of commuting realities for various employees.


About 60% of remote-capable workers prefer hybrid work settings while 34% prefer fully remote work and 6% prefer five days a week in the office.  While hybrid is the preference, hybrid can mean only one day in the office each week or four days in the office each week.


Only 35% of employees in the Washington, DC area teleworked three or more days each week in 2025.  In 2022, 75% of DC employees teleworked three or more days each week.  While there are still more workers teleworking the majority of their week now than in 2019, there has been a steady increase in the number of commutes each week, resulting in commute times growing near pre-pandemic levels.


Most Americans think about how remote, hybrid, or in-office work impacts their happiness and their job, but many fail to consider the money and time lost by commuting.  Commutes are expensive for our bank accounts, our ability to commit to priorities other than work, and even for the environment around us.  I see many individuals debate whether to take a job with lower pay but more days working remotely or a job with higher pay but a stringent five-day in-office requirement.  While there is no correct answer for everyone, it is possible to value location flexibility and price out a commute.



Individual Costs of Commuting


The majority of Americans drive to work.  About 57% of DC-area workers drive to work alone despite public transportation, carpool programs at large government agencies, bikeshare programs, and the general walkability of the city.  The average car commute is best estimated at about 12 miles, although there is some discussion about whether commutes are farther post-pandemic due to relocation enabled by additional workplace flexibilities.


Gas prices are currently rising frequently due to a war that I hope (but doubt) has ended by the time this is posted.  As I am writing this on May 13, 2026, the national average is $4.51/gallon.  Cars in circulation in the United States have an average efficiency of 25 miles per gallon (MPG), meaning 25 miles costs $4.51 in gas.  This lets us better assess the weekly costs of various commutes:



Days Commuting

Time Driving (minutes)

Miles Commuted

Gallons of Gas (25 MPG average)

Cost of Gas for Commute

1

54.4

24

.96

$4.33

2

108.8

48

1.92

$8.66

3

163.2

72

2.88

$12.99

4

217.6

96

3.84

$17.32

5

272

120

4.8

$21.65


The average commuter who goes to the office once a week spends less than an hour and $5 to commute.  The average five-day-a-week computer spends more than 4.5 hours and $20 on their commuting costs.


If none of that seems like very much, consider the annual cost.  These numbers assume the employee takes two weeks off in the year:



Days Commuting

Time Driving (minutes, hours)

Miles Commuted

Gallons of Gas (25 MPG average)

Cost of Gas for Commute

1

2,720 (45 hours)

1,200

48

$216.50

2

5,440 (91 hours)

2,400

96

$433.00

3

8,160 (136 hours)

3,600

144

$649.50

4

10,880

(181 hours)

4,800

192

$866.00

5

13,600

(227 hours)

6,000

240

$1,082.00


If you assume $0.25 of wear and tear per mile driven in your car, that also increases the costs as follows:


Days Commuting

Miles Commuted

Wear & Tear Cost

Gas Cost

Total Cost

1

1,200

$300.00

$216.50

$516.50

2

2,400

$600.00

$433.00

$1,033.00

3

3,600

$900.00

$649.50

$1,549.50

4

4,800

$1,200.00

$866.00

$2,066.00

5

6,000

$1,500.00

$1,082.00

$2,582.00


It costs a lot to drive to work everyday.  Specifically, it costs $2,582 in after-tax dollars to drive to and from work for the average American commuter.  That is a vacation, half a year of food, or a significant retirement contribution.


And that is the lesser cost because the time is by far the most expensive cost.  Even if you make the extremely outdated American minimum wage of $7.25/hour, the 227 hours spent over the course of a year—over 5 ½ weeks of work hours!—commuting every day is equal to $1,645.75 in unpaid work.  If you make $15/hour, that moves to $3,405.00 in unpaid work.  Each day you commute in a week is equal to 45 hours of unpaid work a year.  Particularly if you are a knowledge worker, that can add up quickly.  Commuting just one day a week with an hourly rate of $50 means you are providing $2,250 in value for free.  Commuting five days a week with a $50 hourly rate means throwing away $11,250 each year in addition to the $2,582 you are spending on gas and your car.  Someone making $50/hour spends $13,832 to commute.


The person who works the same job remotely just contributed that almost $14K to their 401(k) to experience growth over the years.  If you have the option and choose to commute, just make sure it is worth the money.  If those in the office are more likely to get a $5,000 raise, is that really worth losing $14,000 a year?  I would say no.  But if your promotion will get you a $50,000 raise, it may be worth the commute.  Either way, remember commutes have a cost that should be factored into their value.



The Other Costs of Commuting


Beyond time and money, commuting by driving a car like most Americans can increase your chances of health issues.  Drivers trapped in rush hour traffic unsurprisingly experience more stress, which over time can lead to higher rates of poor cardiovascular health and obesity.  While drivers must pay attention to the road, it adds another hour of sitting each day at a time when sitting is hurting the health of American workers.  Anxiety and depression can also increase, and those with long commutes may experience less overall life satisfaction.


Your individual health declines, and so does the health of the world around you.  According to the U.S. Environmental Protection Agency, the average passenger vehicle emits 4.6 tons of carbon dioxide per year.  Commuting the average 24 miles a day, five days a week emits 4,800 pounds of carbon dioxide annually, a significant portion of the total annual tonnage.  In fact, commuting in passenger vehicles is responsible for more than a quarter of annual U.S. greenhouse gas emissions.  Reducing the number of days driving to work reduces your negative impact on the environment.  


How to Improve a Commute


Taking public transportation instead of commuting by car significantly decreases the negative impact of a commute on the environment.  Public transportation reduces carbon dioxide emissions by 37 million metric tons annually.  Working remotely instead can reduce emissions by 54%, but public transportation at least limits the impact on the climate.


For those who must go to an office, or really prefer the office environment, but worry about the impact on the climate, there is another option.  Biking, walking, or running to the office removes the carbon dioxide emissions associated with commuting.  It also makes commuting a health benefit rather than a health hazard.  Choosing a heart-healthy commuting option can improve mental and physical health while saving time that would need to later be allocated for exercise.


Since hybrid work seems to be the settled future for most employees, we have to acknowledge that commutes will not disappear entirely.  However, hybrid work gives you a better opportunity to improve commutes to make them more beneficial for your life.  Running to work twice a week is likely easier than running to work five days a week.  Integrating an exercise plan into your commute structure can give you health benefits to make your commute more productive.  


The 45 to 227 hours spent commuting each year are much more tolerable if you are biking during some, reading a great book on the bus during others, and generally avoiding the stress of driving through traffic.  Commutes are just another situation where your health and global health correspond.  If you have the flexibility to choose how many days a week are spent in an office, look at the cost in time and money.  If you must be in an office for any number of days, consider how to make commuting a valuable time rather than hurting your health and the environment.  Limit the cost of commuting as much as possible to live a happier day-to-day life.

Recent Posts

See All

Comments


Phippen Tax & Financial Services

info@phippentax.com
Washington, DC 20024

©2026 by Phippen Tax & Financial Services

bottom of page