How to calculate it yourself
Total cost = (cubic yards × price per yard) + delivery fee (typical $30–$80, often free above 5 yd³). Bulk break-even vs. bags: about 2 yd³.
Common scenarios
Single bed (½ yard)
7 bags retail at $5/bag = $35. Bulk delivery would cost $70+ — buy retail.
Front yard (3 yards)
Bulk: 3 × $30 + $40 delivery = $130. Bagged: 41 bags × $5 = $205. Save $75 with bulk.
Whole property (10 yards)
Bulk: 10 × $30 + free delivery = $300. Bagged: $700. Always bulk above 4 yd³.