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Starter vs. Forever Home: Making the Right Choice

Starter vs. Forever Home: Making the Right ChoiceBuying a home is a major investment, and it’s one of the most important decisions you will make in your lifetime. It’s important to choose a home that fits your needs and lifestyle, but it can be tough to decide how much space you really need. Should you choose a starter home, or invest in a forever home? Let’s explore the important considerations you’ll need to think over so you can make the best decision for you.

What is a starter home?

Starter homes are typically modest homes that first-time home buyers can afford but expect to outgrow. Most home buyers looking for starter homes prioritize a more affordable mortgage over finding a home that has everything they need and want right now. They look for entry-level homes that meet their basic needs and are okay that they don’t feature every dream amenity.

Homebuyers with limited budgets may choose to invest in a starter home to build equity as a homeowner they can eventually use to purchase their forever home.

What is a forever home?

A forever home is a home you plan on living in for a long time, possibly for the rest of your life. These homes tend to be larger to accommodate a growing family with more amenities or have potential for improvements to make it just right. Since these homes are larger and have more amenities, they tend to be more expensive than starter homes.

Starter Home vs Forever Home: Top Considerations

Still not sure which style is right for you? Here are some considerations you make to decide which one is right for you now.

Review your finances

Price, down payment size, and loan terms are all important factors to consider when deciding between a starter and forever home. A starter home is typically more affordable, which can be a major advantage for first-time homeowners. However, you may outgrow a starter home more quickly and need to move sooner than you would with a forever home. A forever home, on the other hand, requires a larger down payment and often comes with a larger mortgage payment. However, in the long run, it could save you money as you won’t need to move again.

Assess your lifestyle

Assessing your current lifestyle and needs is an important step to making the right choice when it comes to starter versus forever homes. If you have a growing family or plan to have children in the future, a forever home might be a better choice. On the other hand, if you’re single or newlyweds, a starter home could be the perfect fit. It’s important to consider your current and future needs in terms of space, flexibility, and overall lifestyle.

Evaluate your future plans

While it can be tough to predict the future, it’s important to consider potential changes in your life that could impact your home buying decision. Will you be changing jobs, having children, or starting a business? If so, a forever home might be a better choice, as it provides more space and flexibility. On the other hand, if you plan to downsize in the future, a starter home might be more practical.

Keep ‘forever’ in perspective

Remember that forever is an elusive target. Even with a well-conceived plan, life brings changes. Families grow and shrink, jobs change, unexpected opportunities appear. Don’t stress too much about finding the perfect home and look for one that’s good enough to meet your needs for the long-term.

A starter home can also be a forever home. Some buyers purchase starter homes with the intent of upgrading to a larger home sometime in the future while others may end up happily living in their ‘starter homes’ forever.

Which home is right for your life now?

Choosing between a starter and forever home can be a tough decision, but ultimately it comes down to your lifestyle, future plans, and financial considerations. A starter home can be a great option for first-time homebuyers, while a forever home may be more practical for growing families or those who plan to live in the same home for many years. No matter which option you choose, it’s important to consider all of the factors involved and make a decision that works for you.

Whether you’re looking for your starter home or forever home, S&A Homes offers a diverse selection of home designs to accommodate a variety of home buyers throughout Central and South-Central Pennsylvania. Learn more about new home opportunities from S&A Homes, including quick move-in homes and build on your land opportunities, by calling 1-855-SAHOME1 or visiting us online at