Every day, many people in the U.S. eat fruit grown in Mexico, use phones made in China and live in homes built from lumber from Canada.

Now, trade with those three countries could be interrupted. President Trump has imposed a 10% tariff on China — leading the country to retaliate with tariffs of its own. And although Trump has agreed to put on hold planned tariffs on Mexico and Canada for 30 days, he could still impose them after that.

A tariff is a tax on goods imported from abroad. Despite Trump's claims that his tariffs will be paid by other countries, Americans will be stuck with the higher prices.

An analysis by the nonpartisan Tax Foundation found that if the tariffs Trump threatened in recent days are imposed, it would amount to an average tax increase of more than $800 per U.S. household in 2025.

Here's a deeper look at how the tariffs are likely to affect what Americans pay.

Tariffs on China will sting consumers on a range of items

The U.S. imports a lot from China — and Trump's 10% tariff could hit more than $450 billion worth of imports.

The tariffs Trump imposed during his first term were more targeted. This time around, more Americans will feel the impact. Among the imports affected are a whole slew of consumer goods, including footwear, toys, video game consoles, and electronics.

U.S. businesses import a large number of components from China, as well as the machinery and equipment they use in their own production processes. So the cost of production in the U.S. will go up too.

The Tax Foundation estimates that the tariffs on China alone will add $172 to the tax burden per U.S. household.

And there's no exception for Apple this time, unlike in Trump's first term.

"So iPhones, iPads, tablets, laptops — all of that from Apple would now be hit, which is kind of a big escalation compared to how consumer goods were shielded from most of the first trade war tariffs," says Erica York, vice president of federal tax policy at the Tax Foundation.

Does this mean that an $800 iPhone will now cost $880, or 10% more? Not necessarily.

For one thing, importers pay a tariff based on the cost price of the item, not the full retail price. And Apple might try to ramp up its production in other countries like India, or it could decide to eat the cost of the tariffs — especially since competitor Samsung produces many of its phones in South Korea or Vietnam and won't feel the same blow.

But even if Americans don't see an increase in the actual sticker price of an item, there is still pain being inflicted on the U.S. economy.

"It means incomes and returns to shareholders in the U.S. economy are lower instead, because if businesses have to eat those higher costs, it means they have less to pay their workers," says York. "It means they have less to hire and expand employment, or less to invest. So no matter what channel the price impact takes, it's Americans who are hurt by the tariffs."

China responded with its own 15% tariffs on American coal and liquefied natural gas and 10% tariffs on crude oil, farm equipment and certain other vehicles, to take effect on Feb. 10.

Those countermeasures are not as widespread as Trump's tariffs on China, but they will hurt Americans' finances too.

The Mexico and Canada tariffs could hurt even more

After talking with the leaders of Mexico and Canada on Monday, Trump agreed to a one-month postponement of the 25% tariffs.

It's not yet clear what tariffs will be imposed on goods from Canada and Mexico. But anything close to the proposed 25% tariffs would make a real dent in Americans' wallets — accounting for the bulk of that extra$800 hit Americans would take if all tariffs were imposed, York says.

Here are some of the products from the two countries that could be impacted.

Fresh produce

In 2021, Mexico provided almost two-thirds of U.S. vegetable imports and about half of U.S. fruit and tree nut imports, according to the U.S. Agriculture Department.

Tariffs mean prices for those groceries and many more will rise — including for imported tomatoes, raspberries, bell peppers and strawberries, given that Mexico is the leading supplier of each of them.

And then there are avocados: 90% of avocados consumed in the U.S. come from Mexico, so expect to pay more for them and for guacamole.

It's also winter, when more of the produce consumed in the U.S. comes from Mexico. Tomatoes are a crop that the U.S. produces a lot of in the summer but not so much in the winter. So your imported tomato would cost more too.

Cars and gas prices

North American carmaking is highly integrated among the U.S., Mexico and Canada. Parts go back and forth between the countries throughout the production process.

As NPR has reported, the tariffs would raise costs on vehicles like the Toyota Tacoma, which is imported from Mexico, and the Chrysler Pacifica, which is imported from Canada. Cars assembled in the U.S. would also see their prices rise, as many of their parts are sourced from companies in Canada or Mexico.

Analysts at investment bank Jefferies estimate that the proposed tariffs on Mexico, Canada and China would add about 6%, or $2,700, to the average U.S. vehicle price.

In a likely nod to the sensitivity of gas prices for Americans, Trump announced a lower tariff of 10% for Canadian energy products.

Gas prices remained flat at the announcement of the tariffs over the weekend. A spokesperson for AAA said it's too soon to tell whether there will be long-term effects on prices at the pump.

But there may well be. In the Midwest and Mountain West, "100% of imports going into those two areas come from Canada," says Scott Lincicome, vice president of general economics and trade at the Cato Institute. And American refineries are mainly set up to use the heavier oil that comes from Canada and can't easily switch to the lighter oil that's mainly produced in the United States.

He predicts a hike of 10 or 20 cents a gallon if there's a 10% tariff on Canadian crude.

Construction materials

The U.S. is struggling with a housing shortage, and new housing is expensive to build. Tariffs on building materials will make homebuilding even more expensive.

The National Association of Home Builders warned that over 70% of the imports of two essential building materials, softwood lumber and gypsum (used in drywall), come from Canada and Mexico, respectively.