Buying a Historic Home? What to know
There’s something about being in front of a home that was built long ago that feels so warm and pleasant. Historic homes offer charm, character, and craftsmanship you won’t find in most modern builds. Many include original hardwood floors, detailed walls and unique architectural styles that tell a story and show character. It’s a romantic thought to purchase one of these places and make it your own. But along with the beauty and history comes a set of unique rules and responsibilities every buyer should understand.
A home may be considered “historic” if it’s 50+ years old and has preserved its original architecture or cultural significance. Some properties are officially listed on the National Register of Historic Places or located within a designated historic district, which can affect what changes you’re allowed to make. Before making an offer, it’s important to research local preservation guidelines. In many cases, exterior updates — and sometimes interior modifications — must be reviewed and approved by a historic preservation board. This can include changes to windows, doors, roofing, paint colors, additions, or even fencing.
Inspections are especially critical with older homes. Common concerns can include aging electrical systems, outdated plumbing, foundation settling, roof wear, drafty windows, and the presence of lead paint or asbestos. A standard home inspection is helpful, but specialized inspections may be needed to fully understand the home’s condition and future maintenance costs.
While modern updates are often allowed, there may only be specific methods approved for the work. This can turn into higher upfront costs and lengthy timelines, but the payoff is a home that retains its historic integrity and value. The good news? Many historic homeowners qualify for tax credits, grants, or low-interest loans designed to help offset restoration and preservation expenses. Check out Jefferson CIty’s Historic Preservation Commission for some interesting information.
Key Things to Keep in Mind
Renovation rules may limit certain exterior or interior changes
Older systems may need upgrades — get specialized inspections
Modern improvements may require preservation board approval
Tax credits and grants may help offset restoration costs
Maintenance often requires period-appropriate materials and craftsmanship
Insurance policies should reflect full historic restoration costs
Historic homes can be incredibly rewarding — you’re not just buying a house, you’re becoming a steward of history. With the right guidance, planning, and expectations, owning a historic home can be both a meaningful and financially sound investment. If you’re considering one, work with a realtor experienced in historic properties and professionals who understand local regulations to help protect your investment and your peace of mind.
