
The short version: Bread sells in seven places: a farmers market booth, your own online storefront link, coffee shops and restaurants, a farm stand or porch pickup, craft and holiday fairs, standing bulk orders, and a weekly bread club. A $10 loaf keeps $9.41 when you sell it through your own link, $8.60 on Etsy, and $5.00 to $6.00 when a coffee shop buys it to resell, since the wholesale convention is 50 to 60 percent, not a flat half, which is why wholesale bread needs a $13 or $14 shelf price rather than a $10 one. Most part-time bread vendors do best with two places at once: one in person, where the crust and the smell do the selling, and one online, where last Saturday's customer can reserve next Saturday's loaf. The one rule that decides which of the seven are even open to you is your state's split between direct sales and sales through a shop.
Checked September 22, 2026: Homegrown is $10 a month billed annually or $12.50 billed monthly, $0 platform fee and 0% commission, card processing 2.9% + $0.30 paid by the vendor, with 7 days at no charge before the first bill on day 8 (findhomegrown.com/signup). Etsy charges a $0.20 listing fee, a 6.5% transaction fee and 3% + $0.25 payment processing (etsy.com/sell). Square's free plan charges 2.6% + 15 cents in person and 3.3% + 30 cents online (squareup.com/us/en/pricing). Honest bounds: your customer creates a Homegrown account to place a first order, there is no countdown or timed release feature, and your storefront is listed on the Homegrown marketplace but most orders will come from the link you hand out yourself.
You pulled six loaves out of the oven on Saturday morning, sold four to neighbors who already knew about them, and now you are staring at two loaves and one question. Where does the next batch go?
Bread is the hardest cottage food product to place, because it is heavy, it is perishable, and it is worth about $10. Every channel that handles it takes a different cut, and almost nobody prints the whole number. This guide walks through seven places a home baker actually sells bread, what each one keeps from a $10 loaf, and how to tell which one fits the bake day you can realistically run.
Seven places buy bread from a home baker, and a part-time vendor can run any two of them without hiring help. Each one asks for something different: a Saturday morning, a pitch to a shop owner, a link you text to a regular, or nothing but an open garage door.
Bread has one disadvantage that most cottage food products do not: it is stale in two days. Tea and jam keep for months, so those vendors can leave stock sitting in four channels at once. You cannot. Every place on this list has to be matched to a bake day you actually have, which is why picking two and doing them properly beats spreading six loaves across five channels.
In a pull of the Homegrown catalog on August 14, 2026, the marketplace held 1,804 products from 219 vendors, and Bakery was the largest category at 876 products, 49% of everything listed. Of those, 336 products from 70 vendors carried a bread word in the name: bread, loaf, loaves, sourdough, focaccia, baguette, boule, challah, brioche or ciabatta. Sourdough alone accounted for 262 of the 336. These are product listings, not sales figures.
What kind of bread home vendors actually list
Source: a pull of the Homegrown catalog, August 14, 2026, 336 bread products from 70 vendors. Each product counted once, in the order shown.
If you have not settled the permit, the packaging or the bake schedule yet, the companion guide on how to sell sourdough bread from home covers the legal side, the equipment and the pre-order rhythm. This article picks up after that, at the point where loaves exist and need a counter.
Start with the channel that matches what you already have, not the one with the biggest audience. A baker with 300 people in a neighborhood group has a different first move than a baker with a great crumb and nobody's phone number.
Scroll sideways to see every column.
| What you have right now | Start here | Add second | Why that order |
|---|---|---|---|
| A market booth you already pay for | Your own storefront link | A weekly bread club | The booth made the customers; the link lets them reserve a loaf the other six days |
| No customers, no booth | A farmers market or craft fair | Your own storefront link | A stranger buys a $10 loaf after smelling it, almost never after reading about it |
| A following on social media | Your own storefront link | Standing bulk orders | You already have the traffic; you need a page that takes the payment and the pickup time |
| More oven capacity than customers | Coffee shops and restaurants | A farm stand | One delivery moves 20 loaves with no floor time and no market fee |
| A driveway on a road people use | A farm stand or porch pickup | Your own storefront link | The stand catches the drive-by; the link catches the person who drove by and found it empty |
Fees behind this table were checked on each company's own pricing page on September 22, 2026. Booth fee ranges come from the market cost breakdown linked below.
The trap is starting in four places at once. Each channel needs its own bake-day count, its own price sign and its own restock rhythm, and a baker who launches all seven in a month ends up giving away stale bread in three of them.
A farmers market is the best place to make your first bread customers and a hard place to make a living on bread alone. Booth space runs $20 to $75 a week at most markets, with high-traffic urban markets charging $100 or more and a full 20 to 25-week season often costing $400 to $800 up front, as broken down in the guide to the real cost of selling at farmers markets.
Run the arithmetic on a $40 booth. Ingredients on a plain loaf run about $0.60 for sourdough and about $1.17 for a white sandwich loaf at August 2026 BLS prices, and a bag, a label and your share of the gas sit on top of that, so a $10 loaf leaves roughly $8 toward the table and your time. Five loaves cover the booth. Five loaves is a quiet Saturday for a bread vendor, so the floor is easy. The ceiling is the problem: 24 loaves at $10 is a $240 day, and the cost-per-loaf math behind a $10 price puts 24 loaves at about six hours of work before you add the drive, the setup and the five hours of standing.
What a booth gives you that no web page can:
The booth fee is the smallest line on a market day. Ingredients, packaging, gas, insurance and equipment put a food vendor's real cost at $150 to $400 per market day, and booth fees are typically under 15% of that total. Price and bake against the whole number, not the $40.
You can find the markets near you, and the ones still taking vendor applications, in the USDA's national farmers market directory, which lists markets by state and ZIP code.
Your own storefront link is where bread lives the other six days of the week, and it costs $10 a month plus 2.9% + $0.30 per order. On a $10 loaf that is $0.59, so you keep $9.41. No commission comes off the top, which is the whole difference between a link you own and a marketplace that rents you an audience.
The reason this matters more for bread than for almost anything else is the bake-day count. You cannot bake 24 loaves and hope. A page that takes orders with a Wednesday cutoff tells you on Wednesday night whether Saturday is a 9-loaf day or a 22-loaf day, and you buy flour accordingly.
Homegrown is the storefront built for exactly that pattern. It is $10 a month billed annually, or $12.50 billed monthly, with no commission on your sales and card processing at 2.9% + $0.30 handled through standard payment processing that the vendor pays. You list your loaves with a pickup window, customers order and pay before your bake day, and you walk into the kitchen with a number instead of a guess. Compare that to Etsy, where $1.40 comes off every $10 loaf and the audience is shopping nationally for shippable products rather than locally for Saturday bread. Or Shopify, at $29 a month on annual billing or $39 billed monthly on its Basic plan, plus card rates from 2.9% + 30 cents, which is a full website to build and maintain when what you needed was an order form with a cutoff time. Or the Instagram messages most bakers start with, where 14 loaf orders live in 14 separate conversations and one of them always gets missed. What Homegrown does not do: your customer creates an account to place their first order, there is no timed release or countdown feature, and while your storefront is listed on the Homegrown marketplace, plan on most orders coming from the link you text and print yourself. It will not find you customers. It will stop you losing the ones you have.
LubaBakes sells six products through a Homegrown storefront, pulled live on September 22, 2026: a Sourdough Bread loaf at $12.00, a Focaccia Sourdough at $6.00, a Mini Sourdough Bread at $8.00, a two-flavor mini pack at $15.00, a seasonal Pumpkin-Shaped Sourdough Bread at $16.00, and Granola at $3.00. The storefront is rated 4.8 from 5 reviews. That ladder is the pattern worth copying: one full-size loaf at the price the market bears, a smaller format under $10 for the person who is not ready to spend $12, a seasonal product that gives regulars a reason to come back in October, and one non-bread product that keeps for a month.
If you are already fielding "are you baking this weekend?" messages, that is the entire case for having a link. Set up a storefront, list your loaves with a Wednesday order cutoff, and print the link on a card so Saturday's customer can reserve the next bake without messaging you at all.
Walk in at 2pm on a Tuesday with two loaves, a price sheet and a sample, and ask for the owner by name. Wholesale bread prices at 50 to 60 percent of your retail price, so a $10 loaf bills the shop at $5.00 to $6.00 and the shop sells it at $10 and keeps the rest. That is the convention across the local coffee shop wholesale pitch, and arguing with it is the fastest way to end a first meeting.
Here is the part the wholesale advice usually skips. Half of a $10 shelf price is $5.00, and $5.00 is below what a loaf actually costs you once your own time is in the number. Costing a plain loaf at $18 an hour puts you at about $8.20 a loaf on a 12-loaf bake day and about $6.70 on a 24-loaf day. So a shop that wants to retail your bread at $10 is asking you to work for free, and the fix is the shelf price, not your rate. Agree on a $13 or $14 shelf price and your 50 to 60 percent is $6.50 to $8.40. The top of that range clears your cost on a full bake and pays you for the delivery: $13 at 60 percent is $7.80 and $14 at 60 percent is $8.40. The bottom does not, because 50 percent of a $13 shelf price is $6.50 and your cost on a 24-loaf day is $6.70.
Shops take bread three different ways, and the one they name in the first meeting decides what you earn per loaf.
| How the shop takes it | What you get per $10 loaf | Who holds the risk | When you get paid |
|---|---|---|---|
| You sell it yourself | $9.41 through your own link | You | At the sale |
| Wholesale, 50 to 60 percent of the shelf price | $5.00 to $6.00 | The shop, once they buy the loaves | On delivery, or on their 15 to 30-day terms |
| Consignment, shop keeps 30 to 40 percent | $6.00 to $7.00 | You, sitting on their counter | Only after it sells, and stale bread comes back |
Wholesale is the right answer for bread almost every time. Consignment looks better on paper and is worse in practice, because a two-day shelf life means the unsold loaves are your loss and the shop has no reason to push them.
A standing wholesale order is the only bread channel that pays you for consistency rather than charm. It is also the one that punishes a missed week hardest, because the shop's counter is empty and the owner has to explain it to their own customers.
In most states, selling a loaf to a coffee shop for resale is a different legal class of business than selling it to the person who eats it, and plenty of home bakers are only licensed for the second one. California draws the line clearly enough to use as a model: under the state's cottage food operation requirements, a Class A operation registers with the local health department and may make direct sales only, capped at $75,000 in gross annual sales. A Class B operation gets a permit instead of a registration, may make both direct and indirect sales, and is capped at $150,000.
Those two words decide four of the seven places on this list:
Every state writes this differently, and some do not allow indirect sales at any tier. Check your state's current rules with your state or county health department before you pitch a shop, because a wholesale account built on the wrong permit class is a problem you fix by shutting it down.
A registration that covers your farmers market booth does not automatically cover a shelf in a cafe. In California that is the difference between a Class A registration and a Class B permit, and the gross sales cap moves from $75,000 to $150,000 with it. Confirm your own state's class before you print a wholesale price sheet.
A farm stand is the cheapest place on this list to sell a loaf, because it charges no fee at all on cash, and only 2.9% + $0.30 when they pay by QR code, so the only real cost is a shelf, a cooler and a sign. USDA's research on local food channels found that on-site farm stores and stands accounted for 15 percent of all local food sales in the 2015 survey year, more than any other direct-to-consumer channel, and that the overall split was 39 percent through intermediate markets and institutions, 34 percent direct-to-consumer and 27 percent through retailers. Those numbers describe farms rather than home bakers, but the shape holds: the stand at the end of the driveway outperforms its reputation.
Bread makes the stand work differently than produce does. Zucchini sits out all day. A loaf has a four-hour window where it is at its best and a two-day window where it is sellable at all, so an unattended stand full of bread either sells out by noon or becomes tomorrow's breadcrumbs.
What actually works at a bread stand:
Craft fairs are worth one or two bake days a year for a bread vendor, and rarely more. Table fees run higher than a weekly market and the crowd is shopping for gifts, which is why a $12 loaf does worse there than a $15 gift-wrapped pair of mini loaves or a $16 seasonal shape.
The sums work differently from a farmers market because the fair is one long day, not a recurring habit. You pay the table fee once, you bake once, and if the weather or the crowd disappoints, there is no next Saturday to make it back. Work out the break-even before you apply, using the full cost of the fair rather than the table fee alone, the way the craft fair table fee breakdown sets it out.
Where craft fairs beat weekly markets for bread:
Etsy costs $1.40 on a $10 loaf and is the wrong home for fresh bread, with three honest exceptions. The fees stack: a $0.20 listing fee, a 6.5% transaction fee of $0.65, and payment processing of 3% + $0.25 for another $0.55, all checked on Etsy's own seller page on September 22, 2026. You keep $8.60 before you pay for the box.
Then there is shipping. USPS Priority Mail starts at $11.00 at a Post Office and takes two to three days, and the same page adds a $15.00 handling fee on perishable items like food, checked on USPS's own page on September 22, 2026, so the postage on a boxed loaf runs to more than twice the $10 loaf inside it, and sourdough that was perfect on Saturday morning is a different product by Tuesday afternoon. The listing that promises fresh bread is the listing that collects the bad review.
Three exceptions are real:
Etsy is also charging you 15% on any sale that comes through its Offsite Ads program, which Etsy says is optional for most shops but may be required based on how much you sell there in a 12-month period. Read that line before you list, because on a $10 loaf it turns $1.40 of fees into $2.90.
A $10 loaf keeps between $5.00 and $10.00 depending entirely on where it sells, and the spread is wider than most bakers expect. The table below puts the full cost of every place side by side, on the same loaf and the same month of 50 loaves.
Scroll sideways to see every column.
| Place | Subscription | Platform fee or cut | Card processing | You keep on a $10 loaf | 50 loaves ($500) in a month |
|---|---|---|---|---|---|
| Farmers market booth, cash | $0, but the booth space costs $20 to $75 per week | $0 | $0 on cash | $10.00 | $500 in sales, $160 in booth fees at $40 a week |
| Farmers market booth, Square reader | $0 on Square's free plan | $0 | 2.6% + 15 cents, paid by the vendor | $9.59 | $20.50 in processing, plus the same $160 in booth fees |
| Your own storefront link (Homegrown) | $10/mo billed annually, $12.50 billed monthly | $0, 0% commission | 2.9% + $0.30, paid by the vendor | $9.41 | $39.50 all in on annual billing |
| Square Online, free plan | $0 on the free plan, $49/mo per location on Plus | $0 | 3.3% + 30 cents online on the free plan, 2.9% + 30 cents on paid plans | $9.37 | $31.50 |
| Shopify Basic | $29/mo on annual billing, $39 billed monthly | $0 on Shopify Payments | from 2.9% + 30 cents | $9.41 | $58.50 |
| Etsy | $0, no subscription required | 6.5% transaction fee plus $0.20 per listing, plus 15% on Offsite Ads sales | 3% + $0.25 | $8.60 | $70.00, before shipping |
| Coffee shop or restaurant wholesale | $0 | The shop keeps 40 to 50% of the shelf price | $0, invoiced or paid on delivery | $5.00 to $6.00 | You bill $250 to $300 instead of $500 |
| Farm stand, honor box | $0 | $0 | $0 on cash, 2.9% + $0.30 through a Homegrown QR code | $10.00 on cash, $9.41 by QR code | $500 on cash, minus what walks off |
Every rate above was read off the company's own pricing page on September 22, 2026: findhomegrown.com/signup, squareup.com/us/en/pricing, shopify.com/pricing and etsy.com/sell. Booth fee ranges are the $20-to-$75 weekly figure from the market cost breakdown. Annual billing is compared to annual billing and monthly to monthly. The wholesale row uses the 50 to 60 percent of retail convention, so the shop's share is 40 to 50 percent.
Read the last column rather than the fee column. Etsy costs 77 percent more than your own link in a 50-loaf month, and that gap is real but small next to the $160 of booth fees or the $250 you hand a coffee shop. The fee is never the thing that decides a bread channel. Whether you can reliably fill it is.
Bulk bread buyers are the ones with a standing weekly need and a budget line for it, and a single account can be worth more than a market Saturday. A 20-loaf office order at $8 a loaf is $160 for one bake and one drop-off, against a $240 market day that costs you a $40 booth and 10 to 15 hours once you count prep, drive, standing and teardown.
The buyers worth approaching, roughly in order of how easy they are to land:
Price bulk work off your own cost, not off a cut from retail. At about $0.60 to $1.17 a loaf in ingredients, $8 a loaf on a 20-loaf order leaves $137 to $148 before packaging and gas. If that bake and drop-off takes four hours, you paid yourself $34 to $37 an hour before packaging and gas, with no booth fee and nobody asking whether the starter is from San Francisco.
A weekly bread club is the highest-value place on this list, because the customer is already paid for and already knows the pickup routine. Ten subscribers at $10 a week is $400 a month of demand you can count on before you buy a single bag of flour, and the bake-day count is settled on the day they sign up rather than the night before.
The mechanics matter more than the idea. A bread club that lets people skip weeks keeps members for a year; one that bills them for loaves they did not collect loses them in six weeks. The weekly subscription mechanics for a home bakery covers the pickup rhythm, the skip policy and the pause rules in detail.
What a bread club needs to work:
Count your oven, not your ambition. If you bake boules in Dutch ovens, a standard home oven holds two at a time and a batch takes about 50 minutes, so a six-hour bake window tops out near 14 loaves. Sell 10 subscription spots against that and you still have room for four market loaves and one mistake. Bakers who sell 20 spots against a 14-loaf Dutch oven rhythm end up either buying a second oven or switching to loaf pans and a baking stone in month two, and only one of those two options is free.
Pick one place, do the five steps below, and you can be taking orders in a new channel within seven days. The most common mistake is researching four channels for a month instead of opening one in a week.
That last step is the one bakers skip, and it is the one that compounds. A market Saturday that ends with 30 sales and no reorder path is 30 people who have to remember you next week. Put your loaves on a storefront link with a Wednesday cutoff and the same Saturday ends with 30 people who can buy bread from you on a Tuesday night from their couch.
Experienced bread vendors run two channels, not five, and they bake to a confirmed number rather than to a hope. Watch a baker who has been selling for three years and the differences are unglamorous and consistent.
The pattern under all of it is that bread punishes optimism faster than any other cottage food product. Jam unsold on Saturday is jam for sale next Saturday. Bread unsold on Saturday is a decision about breadcrumbs.
Every channel on this list carries a second cost that never appears in a fee table, and for bread it is almost always time or waste. The fee on a $10 loaf runs from $0 to $1.40. The hidden cost runs from two hours to an entire bake.
None of these is a reason to avoid a channel. They are the reason to run two and not five, and the reason a baker with a full-time job usually does better with a link and one market than with a link, one market, two cafes and a fair.
Your own ordering link is the easiest place to start, because it costs $10 a month on annual billing, or $12.50 billed monthly, rather than a $40 booth fee and a market application. Text the link to people who already ask about your bread, take pre-orders with a midweek cutoff, and bake the exact number you sold. Once you have 20 regulars ordering that way, a farmers market booth becomes a way to add customers rather than a gamble on whether anyone shows up.
Facebook Marketplace and local buy-and-sell groups are a fine place to advertise homemade bread, but a poor place to run the transaction. Facebook charges nothing to list, and neighborhood groups reach exactly the local audience bread needs, which is why so many bakers find their first ten customers there. The problem is what happens next: quantities, pickup times and payment all end up in private messages, and by loaf number 12 something gets missed. Post in the group, then send people to an ordering page that records what they bought and when they are collecting it.
Most states let you sell bread at a farmers market under a cottage food registration or permit, because a plain loaf is what cottage food law calls a non-potentially-hazardous food: it is shelf-stable and does not need refrigeration. What varies is the paperwork: some states require a registration and a self-certification checklist, others require a permit and an inspection, and the market itself will usually ask for proof of whichever one applies plus a copy of your liability insurance. Contact your county health department and the market manager before you apply, since the market's own deadline is often earlier than the permit's.
With no market nearby, the three places that work are your own ordering link with a pickup window, a farm stand or porch pickup at your own address, and wholesale to a local coffee shop or restaurant. A porch pickup costs nothing beyond a cooler and a sign, and it turns your driveway into the collection point. A standing wholesale order of 12 loaves a week at $5.00 to $6.00 a loaf is $60 to $72 for one delivery, and it does not depend on foot traffic at all.
Bake 12 to 16 loaves for a first market day, and expect to sell 6 to 12 of them. A $40 booth at a $10 loaf breaks even at five, so 12 loaves means you are very likely to cover the table and unlikely to be carrying 20 loaves home. Bring a mix of formats rather than 12 of one thing: six full loaves at $10 to $12, four smaller ones at $6 to $8, and a few of something sweet. Note what sold out and what did not, then adjust by two or three loaves the following week rather than doubling.
You can ship homemade bread, but fresh loaves are the worst possible product for it. USPS Priority Mail starts at $11.00 at a Post Office and takes two to three days, and USPS adds a $15.00 handling fee on perishable items like food, so the postage runs to more than twice a $10 loaf and the bread is noticeably past its best when it gets there. Shelf-stable baked products ship far better: biscotti, crackers, croutons, dried sourdough starter and baking kits all survive the mail and carry a margin that absorbs the postage. Check your state's cottage food rules before shipping anything, because several states permit in-person sales only.
The channels above each have a page that goes deeper than one section can.
