Short answer: Budget for three things: the vehicle, the equipment to sell from it, and the yearly cost to run it. Staff is usually the largest yearly cost. Most mission-driven markets need grants or partners to cover part of operations every year, so plan for year two and three, not just launch.
There is no single number. Cost depends on the vehicle, the number of stops, your staffing model and your prices. Use these line items to build your own budget.
1. The vehicle
The vehicle is the largest single cost. It depends on the type, the size and the build. A refrigerated truck, a trailer and a converted van all cost very different amounts. Get a quote early so your grant budgets are real. Which vehicle fits your program.
2. Equipment and setup
A payment system that takes SNAP and EBT, plus monthly software fees.
Commercial produce scales.
Tents, tables and display gear, if your vehicle needs them.
Your first inventory.
Vehicle graphics, signs and launch promotion.
Bags, receipt paper and cleaning supplies.
3. Running it each year
Staff. Usually the largest yearly cost. A driver and operator, plus a part-time market assistant.
Fuel or charging. Depends on routes and stops per week.
Maintenance. Regular service, repairs and refrigeration upkeep.
Insurance. Commercial auto, general liability and coverage for volunteers.
Inventory. Working capital that cycles as you sell and restock.
Software, permits and admin. Payment fees, licenses and bookkeeping.
Budget like a funder reads it
Add a 15 to 20 percent contingency.
Fund operations, not just the vehicle. A truck with no operating budget sits parked.
Show years two and three. Stops take months to build a regular crowd.
Expect sales to cover part of the cost, not all of it. How a market can cover its costs.
Sources: Farmers' Truck, Mobile market costs: what to budget for year one
