With tens of millions of people sheltering in place, the value of a house is going up! Larger houses with views, yards, hot tubs, and pools are in demand. This post will look at the ideal house size and layout to raise a family and live your best life.
When you have a family, you simply want what’s best for your kids. Further, when you have kids, you will also desire to hav a lot more space so you can think!
The only time I want a mega-mansion is when my in-laws or parents come to visit. I fantasize how it’d be nice to put my guests in a separate wing with their own kitchen, bathroom, and living area. This way, we can all keep our independence while also sharing family time every day.
Alas, my family only lives in a 1,920 square foot, three bedroom, two bathroom house. We downsized from a 2,300 square foot, four bedroom, three and a half bathroom house in 2014 because it was simply too much space.
We also wanted to generate more passive income to avoid having to go back to work. There was no way we would be willing to rent our own house at the then $8,800 market rate.
We enjoy living in our current house. Every single room is fully utilized now that we have a little one. There’s a nice view of the ocean and enough space for a hot tub and kids to run around outside.
The neighborhood is also extremely quiet, which is a big change from our previous residence that recurrently experienced drunken frat bros screaming nonsense at 2am when walking by.
During the gut remodel of our fixer, we thought of everything we could to make our current residence the perfect house for the next 5-10 years. But after having our baby, I began missing our old house a little bit because a baby will shrink your house by ~30%!
The Ideal Size And Layout For A Family House
In determining the ideal house size and layout to raise children, I’d like to operate under the confines of a middle class household. To do otherwise would cause too much controversy and take away from the purpose of helping expecting families or existing families buy (or rent) the most family-friendly house.
To start, the median home price in America is roughly $340,000 or 5X the national median household income of roughly $68,000 as of 1Q2021. Therefore, wherever you are, owning a home equal to roughly 4X – 6X your household income puts you in the middle class.
Conversely, dividing your area’s median home price by 4 – 6 gives you an approximate middle class household income e.g. $300,000 household income living in a $1.5M SF home.
In the past, it was always a good idea to limit your house purchase to no more than 3X your household income. But due to a decline in interest rates since the 1980s, families have been able to stretch.
If you haven’t refinanced over the past 12 months, I highly recommend you at least check the latest mortgage rates. Mortgage rates have dropped to all-time lows in 2021, but are ticking back up on inflation expectations.
Check the latest mortgage rates with Credible for free. Credible is my favorite lending marketplace where lenders compete for your business so you can get the best rate.
I do not recommend spending more than 5X your household income on a home, especially given the real estate market has surged so much. 3X is what I suggest most readers pay with a 20% downpayment. Regardless, banks won’t lend you more than a 42% debt-to-income ratio (DTI) anyway.
Now that we’ve established some parameters, let’s get into the details.
The Ideal House Size And Layout
Owning a house equal to +/- 25% 2,422 square feet, the median size house as of 2021 gives you a typical middle class house size. Since we don’t want to go outside the confines of the middle class, the ideal house size is therefore between 1,816 – 3,027 square feet. You can certainly go smaller, but there are some considerations that may crimp your lifestyle.
The ideal house size is one in which you feel comfortable while also having a high utilization of space. If you buy a house too big, you’ll have excess maintenance headaches, higher maintenance bills, more cleaning to do, higher heating bills, and likely higher property taxes.
Owning a house too big is like driving a diesel bus when there’s only four of you – a big waste of money. You won’t feel good about owning a non ideal house size with a bad layout.
Square Feet Per Person For The Ideal House Size
A smart way to figure out the ideal house size is to think in square feet per person. Will you feel comfortable having 400 square feet, 500 square feet, or 800 square feet of space to yourself?
I believe the ideal square feet per person is about 600 – 700. This means for a family of three, the ideal house size is 1,800 – 2,100 square feet. For a family of four, the ideal house size is between 2,400 – 2,800 square feet and so forth.
It’s up to you to decide how much space you’re most comfortable with up to 3,027 square feet (if you consider yourself middle class). If you live in a big city, due to high housing costs, you may be forced to adapt to smaller apartment living.
The Ideal Number Of Bedrooms
Ideally, your house should have enough rooms per person to sleep individually + one room for guests or an office. In other words, if there are two adults and one baby, the ideal number of bedrooms would be four. For two adults and two kids, the ideal number of bedrooms would be five and so forth.
After working together as a team feeding and changing diapers every 1 – 3 hours for the first three months, one or both spouses will need to go back to work. Having the option to sleep alone in your own bedroom is important given babies often wake up multiple times during the night the first year, and sometimes up to the first three years. It’s nice for at least one partner to get a full night’s rest and be more productive at work the next day.
So far we have had my wife’s sister, wife’s parents, my parents, and my sister visit. Any more than two people staying with us at one time is too crowded. Even two for more than a week feels tight. With our current three bedrooms + nursery, having one guest is the ideal guest count where we still have enough space to feel free.
The Ideal Number Of Bathrooms
In a perfect world, each bedroom will have its own attached bathroom. With only one bathroom upstairs at our house to service the occupants of two bedrooms and day guests, we have to keep the bathroom cleaner than we normally would.
Further, when overnight guests are over, there is sometimes a wait period since it seems we all tend to wake up and need to go to the bathroom at the same time.
On the the living and dining room floor, there should ideally be at least a half bathroom for non-overnight guests. It’s efficient and easier to keep clean. It feels a little weird having guests use our toilet, especially when they need to take a growler.
Having a his and her sink is a great feature for the master bathroom. Further, having a separate shower and tub plus a private toilet stall really opens up the space.
The Ideal Number Of House Floors
Having one floor with no stairs is ideal for babies and elderly folks. Stairs are a safety hazard. Every time I carry my baby up or down the stairs I hang onto him and the railing for dear life. I’ve missed a step or slipped before by myself, and I don’t plan to do so again with such precious cargo.
If land is too expensive to have a one story house, then two floors is the second best thing. Make sure the stairs are carpeted or at least comfortably wide and not too steep. The edges of stairs can cause a big gash.
Four story houses are simply too much of a pain to navigate. You might enjoy these tall layouts without kids. However, as soon as you have a baby or a knee injury, you would rather have less levels.
The Ideal House Layout
If you have a baby, it’s important to keep him or her close by. If he or she is in the nursery, then the nursery should share a wall with your master bedroom.
As for the other bedrooms, ideally no other bedrooms will share walls for added privacy and sound proofing. With a one story house, each bedroom would ideally be on each side of the house. If two bedrooms are on the same floor, it should be buffered by a closet or a bathroom.
For two or more story houses, you don’t want to have your bedrooms on top of each other. Instead, have one or two bedrooms in the front of the house. Then have one or two bedrooms in the back of the house.
The master bedrooms should be in the rear of the house away from the street. It is unbelievable how much our sleep improved (before the baby) after we moved into our new house which situated our master bedroom in the rear. Every time I nap, I also fall asleep quicker and sleep more soundly in our rear facing bedroom.
The Ideal House Grounds
Ideally, your home will be surround by flat land. The larger the buffer between your house’s front entrance and the sidewalk and road, the better for noise and safety. Flat land is much more valuable than hilly land. When searching for a house, always ask how much of the lot is flat.
If you are on a hill, like we are, much of our land in the rear was unusable. As a result, we created about 1,200 square feet of flat tiers. We now use one of the tiers for the hot tub, one tier as a playground, and another tier just for plants.
Living near public parks, playgrounds, and libraries is definitely a plus.
The Ideal Direction A House Faces
You know how some houses feel really warm and cozy, while others have an uncomfortable vibe? Location and layout have a lot to do with how a house feels, but so does its direction. This is called good feng shui. You can just feel the good feng shui when you enter a house.
The quieter the street your house is located on, the better. Think veins instead of arteries. My old house was on a busy artery next to the biggest artery in all of San Francisco. My current house is on a vein in a neighborhood where there are no apartment buildings. The difference is night and day.
You want your main rooms to either face east or west. Some people like to wake up to the morning sun (east). While others like to wind down to a lovely sunset (west). Decide what type of person you are and then see if the main rooms face your preferred direction. How light fills your house is an extremely important part of the feel of your house.
A house facing north tends to be the least desirable since the least amount of sun enters the house. That said, if you have windows on all sides of the house, it doesn’t really matter. A house facing south gets the most sun throughout the day, which is generally positive. However, too much sun can often be overwhelming and too hot, even if you live in more moderate climates.
Buy A Slightly Larger House Than You Think Is Ideal
A baby really does shrink the size of your house by ~30%. Right smack dab in the middle of our living room now is a big play pen. We’ve also turned another bedroom into a playroom and our office/walk-in closet is now a nursery. We wish we had an extra half bathroom and family room. However, our cozy home will do until we have another child.
If and when we move to Hawaii we’ll probably look for a 3,000 square foot house on a flat lot with all the above attributes in mind. It should hopefully be our forever home. We’re looking into the future when both my wife and I get old. Further, we’ll have to take care of one or both sets of parents.
If money isn’t any issue, we probably still won’t buy a house bigger than 3,000 square feet. Instead, we will focus on buying a newly constructed property with more flat land. With land, you never need to call the plumber!
The ideal house size and layout is one where you can truly enjoy your home. You want to have enough space for everyone. You also don’t want to feel a tremendous financial crunch every time you have to pay the bills. Once you have kids, you’ll find that the value you your house goes way up.
As the work from home movement grows, the ideal house size and layout will likely continue to grow. The ideal home will expand to make room for a home office and a children’s play area.
Real Estate Recommendations
1) Explore real estate crowdfunding
If you’re looking to buy property as an investment or reinvest your house sale proceeds, take a look at Fundrise, one of the largest real estate crowdfunding platforms today. Fundrise has over 150,000 investors with over $1 billion in capital.
Fundrise is the pioneer of eREIT funds that allow individual investors to invest in real estate in a diversified and less volatile manner. Thanks to technology, it’s now much easier to take advantage of lower valuation, higher net rental yield properties across America. Fundrise is free to sign up and explore.
Personally, I’ve invested $810,000 in real estate crowdfunding to diversify my real estate and earn income 100% passively.
2) Refinance Your Mortgage
With mortgage rates still near all-time lows, you should highly consider refinancing your mortgage. Credible is a top lending marketplace that provides real quotes, all in one place. Credible has highly qualified lenders competing for your business. It is the efficient way to get the best deal out there. With inflation exceptions higher, mortgage rates have started ticking up again. Refinance now before they continue to go up further.
Ideal House Size And Layout Update. My family ended up taking advantage of the uncertainty in 2020 and bought a larger home. The house size is 40% larger than our previous house. It has a better layout for a toddler and growing young boy. Given we’re all staying at home longer, the ideal house size is crucial, especially if you have children.