12 Essential Tools Every Homeowner Should Have on Hand

Whether you just moved into your first home or you’ve been in your place for years, having the right tools at your fingertips makes all the difference. From quick fixes to weekend projects, a well-stocked toolbox can save time, money, and frustration.

Not sure where to start? Here are 12 must-have tools every homeowner should keep on hand.


1. Claw Hammer

A solid, go-to hammer tops the list. Whether you’re hanging pictures or knocking together a backyard project, a one-pound claw hammer offers the right mix of power and precision for everyday jobs.


2. Tape Measure

Measuring for new furniture? Hanging curtains? You’ll want a 25-foot tape measure with easy-to-read markings. Bonus if it has a lock and a sturdy belt clip.


3. Screwdriver Set or 4-in-1

A multi-bit screwdriver handles everything from cabinet doors to outlet covers. Look for one with interchangeable heads so you’re always ready, whether the job calls for Phillips or flathead.


4. Pliers

Gripping, twisting, pulling—pliers do it all. A three-piece set with slip-joint, needle-nose, and cutting pliers will cover most household needs.


5. Adjustable Wrench

A versatile adjustable wrench (also called a crescent wrench) lets you tighten bolts, assemble furniture, and handle plumbing connections with ease—no socket set required.


6. Level

Crooked shelves and tilted photo frames? Not on your watch. A small hand level (9-12 inches) is ideal for everyday use, while a larger one comes in handy for bigger projects.


7. Stud Finder

For heavy-duty hanging jobs, you’ll want to hit the stud—not just the drywall. A magnetic or electronic stud finder will help you locate secure anchor points behind the wall.


8. Utility Knife

Opening boxes, trimming carpet, or scraping away old caulk—a utility knife handles it all. Look for one with a retractable blade and easy replacement feature.


9. Cordless Drill

A battery-powered drill turns any homeowner into a DIYer. With interchangeable bits for drilling and driving, it’s one of the most useful tools in any toolkit.


10. Flashlight

Power outages, crawl spaces, and under-the-sink repairs call for good lighting. Keep a compact LED flashlight (plus extra batteries) in your toolbox or kitchen drawer.


11. Allen Wrench Set

Also known as hex keys, Allen wrenches are essential for furniture assembly and minor repairs. A full-size set ensures you always have the right fit on hand.


12. Toolbox or Storage Tote

All those tools need a home. Whether it’s a classic metal box, a plastic organizer, or a heavy-duty bucket, keeping your tools in one place makes them easy to grab when it’s time to tackle your next fix.


Conclusion:
Homeownership comes with its fair share of surprises—but being prepared can make a world of difference. With these 12 tools in your corner, you’ll be ready to handle the basics with confidence and independence.

Thinking about upgrading your home or buying your first one? We’re here to help every step of the way.


* Specific loan program availability and requirements may vary. Please get in touch with your mortgage advisor for more information.