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The Pros and Cons of Buying a Historic Home in Sacramento

Sacramento is rich in history—and so are many of its homes. From Midtown Victorians to East Sacramento bungalows, buyers are often drawn to the unique character and old-world charm of historic properties. But owning a historic home isn't just about curb appeal; it comes with unique responsibilities, expenses, and benefits. Here's a closer look at the pros and cons of buying a historic home in Sacramento.


🏡 The Pros of Buying a Historic Home

1. Architectural Charm & Character Historic homes boast craftsmanship and design details that are hard to replicate today—original woodwork, built-ins, high ceilings, crown molding, and antique fixtures that give the home a sense of story and soul.

2. Prime Locations Historic districts like Boulevard Park, Land Park, and the Fab 40s are in desirable, central neighborhoods close to downtown, parks, restaurants, and public transportation.

3. Tax Incentives & Grants Owners of historically designated homes may be eligible for tax benefits like the Mills Act, which can provide significant property tax savings for maintaining the historical integrity of the home.

4. Long-Term Value Well-maintained historic homes tend to retain or increase in value due to their rarity and high demand among buyers who appreciate their uniqueness.

5. Community Pride Many historic neighborhoods have strong community ties and active preservation societies. There's a shared sense of pride among homeowners in maintaining the area's heritage.


⚠️ The Cons of Buying a Historic Home

1. Maintenance & Repairs Older homes often come with aging systems—plumbing, wiring, HVAC—and may need frequent repairs. Renovations can be costly, especially if you’re trying to match historical styles or materials.

2. Restrictions on Renovations If your home is officially designated as historic, you may need approval from the local preservation board for any exterior changes—even paint colors or window replacements.

3. Higher Insurance Costs Insurance premiums may be higher due to the age of the home and the potential cost of restoring it after a fire or natural disaster.

4. Energy Efficiency Challenges Historic homes often have older windows, less insulation, and outdated heating systems, making them less energy-efficient and more expensive to heat and cool.

5. Limited Inventory There’s a smaller pool of historic homes compared to newer builds, so it might take longer to find the right one—and competition can be fierce when one hits the market.


🔍 Is a Historic Home Right for You?

A historic home is perfect for buyers who:

  • Value character and craftsmanship

  • Are comfortable with ongoing maintenance

  • Appreciate being part of a neighborhood’s legacy

  • Are prepared for the unique rules and responsibilities that come with preserving history


Final Thoughts

Buying a historic home in Sacramento is a rewarding investment—for the right buyer. If you’re drawn to homes with charm, story, and substance, and you’re ready for the stewardship they require, a historic home might be your dream come true.


Scott Sweeney

Your NorCal Realtor

M&M Real Estate

BRE Lic# 01938720

Cell: Call/Text 707-330-2324


About Scott Sweeney


SweeneySells

Full Time Realtor 13 Years +

Over 100 Families Served

Top 5% Producing Agent

Buying & Listing Specialist

Contract & Negotiation Ninja

CSUS Business & Marketing Graduate 2006


With quickly serving over a 100 families, Scott Sweeney has become a top 5% producing Realtor in the greater Sacramento area who has helped clients from the Bay Area to South Lake Tahoe. Scott has a Bachelor Of Science in Business Administration, with a concentration in Marketing from CSUS. His education, and extensive background in the hospitality, marketing, and real estate industries, have helped Scott to become one of the leading, and most sought after agents in the area.


Reach out to SweeneySells today, and take the first step towards your real estate goals!

📞707-330-2324




Top Producer 2016-2023


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