What Should I Know About Buying a Home in a Historic District
- By Jim Blackburn
- on
- 100 first time home buyer FAQs
1. Expect Rules on What You Can (and Can’t) Change
When you buy in a designated historic district, your home’s exterior is often protected by preservation guidelines. That means:
- No major exterior changes without approval from a local historic commission
- You may need permits for things like window replacements, paint colors, roofing, or fencing
- Modernizing interiors? Usually allowed—but still check local codes
If you’re a DIY enthusiast or love creative remodeling, make sure the rules align with your vision.
2. Maintenance and Repairs Can Be Pricier
Historic homes often come with:
- Original materials (which may be harder and more expensive to repair or replicate)
- Older systems (think plumbing, wiring, or insulation that may need updates)
- A need for specialty contractors familiar with preservation guidelines
That said, the craftsmanship is often top-tier, and the beauty is timeless. Just budget for the extra care these homes may require.
3. The Perks: Character, Community, and Value
Living in a historic district also offers unique advantages:
Architectural charm you won’t find in new builds
A strong sense of neighborhood identity and pride
Potentially higher property values due to limited inventory and visual appeal
If you love the idea of owning a piece of history—and you’re okay with a few extra rules—a historic district could be a perfect fit.
Curious About Buying in a Historic District? Let’s Talk Strategy
Download our free “Homebuyer’s Guide to Historic Homes” — includes renovation tips, cost breakdowns, and what to ask before buying
Chat live now to ask about financing, appraisals, or preservation requirements
Schedule a call with a Stairway Mortgage advisor to review your options and find the perfect historic fit
At Stairway Mortgage, we don’t just help you buy a home—
we help you buy a legacy you can be proud of.
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