diff --git a/borgmatic/config/collect.py b/borgmatic/config/collect.py
index 02ccc9dc..f7ac12f3 100644
--- a/borgmatic/config/collect.py
+++ b/borgmatic/config/collect.py
@@ -1,10 +1,10 @@
 import os
 
+XDG_CONFIG_HOME = os.getenv('XDG_CONFIG_HOME') or os.path.expandvars(os.path.join('$HOME', '.config'))
 
 DEFAULT_CONFIG_PATHS = [
-    '/etc/borgmatic/config.yaml',
-    '/etc/borgmatic.d',
-    os.path.expanduser('~/.config/borgmatic/config.yaml'),
+    '/etc/borgmatic/config.yaml', '/etc/borgmatic.d',
+    '%s/borgmatic/config.yaml' % XDG_CONFIG_HOME
 ]