Real Estate Witch

  • Sell FSBO
    • How to Sell a House Without a Realtor
    • Best Flat Fee MLS Companies
    • FSBO Zillow Listings
    • Best FSBO Websites
    • Best Flat Fee MLS Companies in Florida
    • Companies That Buy Houses for Cash
  • Save When You Sell
    • Low Commission Real Estate Companies
    • 1% Commission Realtors
    • 2% Commission Realtors
    • Discount Real Estate Brokers
    • How to Find a Realtor
    • Realtor Fees
    • How to Negotiate Realtor Fees
  • Reviews
    • Clever Real Estate Review
    • Redfin Review
    • Redfin vs. Realtor
    • Ideal Agent Review
    • HomeLight Review
    • Opendoor Review
  • Blog
  • About
  • 808-213-6770
Find Agents

September 1, 2022 by Brendan Rigney Leave a Comment

What Is a Mother-in-Law Suite?

mother-in-law suite, ADU

Different uses for mother-in-law suites | Should I build a mother-in-law suite? | Types of mother-in-law suites | Where are mother-in-law suites most common? | FAQs

A mother-in-law suite is a private residence that shares a property lot with a single-family home. It can be a standalone home for family members or guests, offer opportunities to collect rent, or fulfill a specific function (like a home office).

Key takeaways

  • Mother-in-law suites can be attached, inside the primary residence, or separate.
  • These suites offer housing for family members or renters.
  • Having a mother-in-law suite can improve your property’s value โ€” but also increase your property taxes.

A mother-in-law suite needs to accommodate residents independently from the primary residence, so it must have each of the following:

  • Bedroom
  • Bathroom
  • Kitchen
  • Private entrance (at least one, depending on local zoning laws)

As long as it meets these criteria, a suite can take any number of forms. It can be attached or detached to the main house โ€” a basement apartment or a guest house in the backyard, for instance.

๐Ÿค” Whether it’s attached to the main home or separate, a mother-in-law suite and the primary residence cannot be sold separately, as they’re technically parts of the same lot and property!

A mother-in-law suite can help homeowners meet various needs.

Mother-in-law suites go by countless other names in the U.S., depending on context or the region. Here are just a few:

  • Accessory dwelling unit (ADU)
  • Carriage house
  • Coach house
  • Granny flat
  • In-law suite or apartment
  • Mother-daughter house
  • Multigenerational suite
  • Secondary suite

Uses for mother-in-law suites

Homeowners often use mother-in-law suites as temporary or permanent housing for family members or as rentals.

Multigenerational housing

U.S. households are increasingly becoming multigenerational, meaning three or more generations of one family live in the same household. 

From 2011 to 2021, the number of multigenerational households in the U.S. nearly quadrupled, with over one in four adults living in a multigenerational household.1SourceGenerations United. (2021, April). Family Matters: Multigenerational Living Is on the Rise and Here to Stay. https://www.gu.org/app/uploads/2021/04/21-MG-Family-Report-WEB.pdf

Long-term housing (for loved ones who are aging or have a disability)

A mother-in-law suite can be an affordable alternative to other long-term care options. 

The median monthly cost for a private room at a nursing care facility, for instance, is over $9,000.2SourceGenworth Financial. (2021). Cost of Care Survey. https://www.genworth.com/aging-and-you/finances/cost-of-care.html A mother-in-law suite could shrink that cost significantly while keeping your family closer to you.

53 million

That’s how many adults in the U.S. who care for family, as of 2020. In other words, one in five U.S. adults are unpaid caregivers. The median monthly cost for a private room at a nursing care facility, for instance, is over $9,000.3SourceAARP & National Alliance for Caregiving. (2020, April). Caregiving in the United States 2020. https://www.aarp.org/caregiving/basics/info-2020/unpaid-family-caregivers-report.html

Real estate rentals

Renting out your mother-in-law suite is a great way to dip your toe into real estate investment โ€” and can be much easier and less expensive than, say, buying a new property outright.

Additionally, mother-in-law suites usually raise a property’s value. Forbes found home sale prices for those with mother-in-law suites have been increasing at a greater rate than overall home prices.

Other uses for mother-in-law suites

  • Guest house
  • Home office or work space
  • Short-term rental through services like Airbnb or Vrbo

Should I build a mother-in-law suite?

Right for you if you want to...Wrong for you if you don't want to...
โœ… Arrange housing for loved onesโŒ Pay for new construction
โœ… Collect rental incomeโŒ Deal with complicated zoning regulations
โœ… Increase your home's valueโŒ Pay higher property taxes

ยป In the market for a new home with a mother-in-law suite? Our friends at Clever can help answer all of your real estate questions and help you find the right agent!

Building a mother-in-law suite

Large and detached mother-in-law suites can cost $60,000โ€“300,000, while additions or conversions can cost $15,000โ€“175,000.

Prefabricated homes are typically built and assembled off-site in a factory, then installed onto a property. This method can be cheaper (and greener!) than conventional home construction.

Adding a mother-in-law suite involves more than the construction itself. The process often involves:

  • Paperwork and applications for site and zoning permits
  • Site preparation before construction
  • Connecting utilities during and after construction

ยป MORE: How Long Does it Take to Build a House from Start to Finish?

๐Ÿค” Other considerations for building a mother-in-law suite

State or local zoning laws may require the mother-in-law suite to be occupied by a family member, meaning you can’t rent it out. Other regulations may make getting a permit difficult โ€” or ban this type of housing altogether.

If you’re part of an HOA, you might need to pay fees to build an addition. Some HOAs even have their own restrictions on the size or type of new construction.

Types of mother-in-law suites

Broadly speaking, mother-in-law suites fall under two categories: detached and attached (or interior).

๐Ÿ˜ Detached mother-in-law suites

Detached mother-in-law suites are standalone from the main home. Think: a tiny home in a backyard.

Both structures still share the same plot of land, though they might have separate utilities, depending on the suite’s setup.

Examples of detached mother-in-law suites

  • A guest house (sometimes called a coach house)
  • A prefab tiny home
  • A detached garage converted into a living space

๐Ÿ›‹ Attached or interior mother-in-law suites

Attached mother-in-law suites are additions to existing homes โ€” either extensions or spaces within the house itself.

While interior suites (like a basement apartment) are inside the main home, they must still have their own bedroom, bathroom, kitchen, and private entrances.

Examples of attached mother-in-law suitesExamples of interior mother-in-law suites
Living space above attached garageBasement apartment
Converted attached garageConverted attic apartment
An addition to existing home

Are mother-in-law suites common?

While mother-in-law suites aren’t overly common, they are significantly growing in popularity โ€” as of 2020, there were at least 1.4 million mother-in-law suites in the U.S.

Over the past few years, cities and states experiencing great population increases have seen a boom in mother-in-law suite construction,4SourceFreddie Mac. (2020, July). Granny Flats, Garage Apartments, In-Law Suites: Identifying Accessory Dwelling Units from Real Estate Listing Descriptions Using Text Mining. https://www.freddiemac.com/research/insight/20200716-identifying-accessory-dwelling-units-from-real-estate coinciding with the growing popularity of multigenerational housing.

The construction boom is also the direct result of states and cities pursuing ways to build more housing. In 2017, several California laws streamlined mother-in-law construction permits, resulting in a massive surge in permits and suites.

Frequently asked questions about mother-in-law suites

Why is it called a mother-in-law suite?

Mother-in-law suites are commonly used as homes for in-laws or other family members, temporarily or permanently.

Should I build a mother-in-law suite?

If you’re willing to spend the time and money for new construction, a mother-in-law suite can be a good investment. You can use the space to house guests or family members, rent it out to tenants, or as a work space. Just know you’ll pay more in property taxes.

Related Links

How Long Does it Take to Build a House from Start to Finish? Learn how long it takes to build a house from the ground up. Find detailed timelines for custom homes, tract homes, and spec homes.

Filed Under: Buyers

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

one − 1 =

Need an Agent?

Connect with top-rated agents near you and save thousands on commission fees.

I Want to Learn More

How To Sell Your Home

  • What Companies Offer the Lowest Real Estate Fees?
  • Read This Before You Pay For a Flat Fee MLS Service

Real Estate Reviews

  • Clever: Are Those Commission Savings Legit?
  • Redfin: What It Really Charges Sellers
  • Ideal Agent: Learn the Truth About Its 2% Fees
  • Opendoor: How Much Will It Pay For My Home?

Categories

  • For Home Buyers
  • For Home Sellers
  • Save When You Sell Your Home
  • Costs to Sell a House
  • Sell a House Without an Agent
  • Sell Your House Quickly
  • Real Estate Company Reviews

Real Estate Witch
  • Home
  • Blog
  • About
  • Sitemap

Copyright © 2023 Real Estate Witch | All rights reserved.
Privacy Policy | Terms of Service