Barndominiums, or “barndos,” have become a popular alternative to traditional homes, especially for those seeking a blend of rustic charm and modern convenience. While many choose to build new, purchasing a pre-owned barndominium is an appealing option due to its potential cost savings and shorter move-in timelines. However, buying a pre-owned barndo is not the same as purchasing a conventional home — and there are unique considerations to keep in mind.
In this comprehensive guide, we’ll cover everything you need to know before buying a pre-owned barndominium, from structural inspections and financing hurdles to lifestyle suitability and resale value.
1. Understand What a Barndominium Is
Before diving into the buying process, it’s essential to understand what a barndominium is. Originally, barndos were metal buildings (like barns or warehouses) converted into residential spaces. Today, many are built new with residential intent, combining the aesthetics of barn architecture with the amenities of a modern home.
A pre-owned barndominium may be:
- A converted barn with retrofitted living quarters.
- A metal building home built from the ground up for residential use.
- A hybrid structure with steel framing and wood elements.
Each type has different implications for durability, maintenance, insurance, and resale.
2. Check the Structural Integrity
Metal buildings are known for their strength, but that doesn’t mean they’re maintenance-free. Before making an offer, hire a professional inspector experienced with metal-framed structures.
Key things to inspect:
- Foundation: Look for cracks, uneven settling, or signs of water pooling.
- Roofing: Check for rust, leaks, or loose panels. Metal roofs can last decades but require regular maintenance.
- Framing and Welds: Examine the integrity of steel or wood framing and weld joints.
- Insulation: Older barndos may have inadequate insulation, leading to temperature issues.
- Pest and Water Damage: Look for mold, mildew, or rodent intrusion, especially in barns converted to living spaces.
3. Evaluate Local Zoning and Building Codes
Many barndominiums are located in rural areas with lenient zoning, but don’t assume all legalities are squared away. A pre-owned barndo could have non-permitted work or might not meet updated codes.
Ask:
- Was the structure originally built for residential use?
- Are there existing permits and occupancy certificates?
- Does the property meet current local and state regulations?
If the barndo is not up to code, you may need to invest in costly upgrades or repairs to make it compliant.
4. Check Utilities and Infrastructure
Unlike homes in suburban developments, barndominiums often sit on large rural lots, which can mean non-standard utilities.
Confirm the following:
- Water Source: Is it well water or municipal? If it’s a well, has it been tested?
- Septic System: Get the system inspected to ensure it’s working properly.
- Electrical Wiring: Ensure wiring is up to code and can handle modern appliances.
- Internet Access: Some rural barndos may lack high-speed internet access, a dealbreaker for remote workers.
Also, confirm heating and cooling systems are functional and efficient. Some barndos use wood stoves or mini-split systems, while others rely on central HVAC.
5. Assess Energy Efficiency
Older barndominiums — especially barn conversions — often struggle with temperature regulation due to poor insulation or lack of climate control systems.
Look into:
- The type and age of insulation (spray foam is preferred for metal buildings).
- Window and door energy ratings.
- The age of HVAC units, if applicable.
Retrofitting a pre-owned barndo with energy-efficient systems can add to your upfront costs but may save money long-term.
6. Understand Financing Challenges
Getting a mortgage for a pre-owned barndominium can be trickier than financing a traditional home, especially if it’s unconventional or doesn’t meet residential building codes.
Lenders may require:
- Higher down payments (often 20–30%)
- Proof of residential zoning and occupancy permits
- Comparables (comps) for appraisal — which can be hard to find in rural areas
You may need to explore alternative financing options, such as:
- Local banks familiar with barndos
- Agricultural loans
- Personal loans (for non-mortgage-eligible structures)
Always talk to your lender early in the process to ensure the barndominium qualifies for financing.
7. Investigate Insurance Options
Standard homeowner’s insurance policies may not apply to barndominiums, particularly older or DIY-renovated structures. Some insurers may view them as commercial or agricultural buildings.
Ask potential insurers:
- Does the policy cover both the living space and any attached workshops or garages?
- Are you covered for fire, flood, or storm damage, especially in rural or wildfire-prone areas?
- Are outbuildings or additional structures on the property included?
Getting the right insurance might take a bit of research, but it’s critical for peace of mind and lender approval.
8. Look at Lifestyle Fit
Barndominiums offer many perks, like open floor plans, large lots, and unique designs. But they’re not for everyone.
Consider your lifestyle:
- Do you enjoy rural or semi-rural living?
- Are you prepared for self-sufficiency, including maintenance and repairs?
- Will the property meet your long-term needs (retirement, kids, remote work, etc.)?
Some barndos include large workshops, horse stalls, or agricultural spaces that may or may not be useful to you. Evaluate whether the property’s features align with your lifestyle or would require conversion.
9. Think About Resale Value
While barndominiums are gaining popularity, they can have a niche market depending on the area.
Factors that impact resale:
- Location and proximity to amenities
- Structural integrity and code compliance
- Quality of interior finish and layout
- Property improvements (landscaping, fencing, outbuildings)
Work with a real estate agent who understands the local barndominium market and can help you evaluate whether you’re making a sound investment.
10. Negotiate the Right Price
Because barndos are less standardized than traditional homes, pricing can vary wildly. Comparable sales may be scarce, making it hard to determine fair market value.
To negotiate effectively:
- Get a thorough inspection report to identify needed repairs or upgrades.
- Consider future costs, like installing insulation or replacing HVAC systems.
- Factor in property value appreciation in the area.
You might also ask for seller concessions if the barndo lacks modern features, such as updated kitchens or energy-efficient systems.
Final Thoughts
Buying a pre-owned barndominium can be a rewarding experience — offering affordability, character, and open-concept living in a unique setting. But it requires due diligence. From verifying zoning and structure integrity to navigating insurance and financing, a barndo purchase is not as straightforward as buying a cookie-cutter house in a subdivision.
By taking the time to thoroughly inspect, evaluate, and plan, you can avoid costly surprises and enjoy all the charm that barndominium life has to offer.
Ready to Buy a Pre-Owned Barndominium?
Make sure you consult professionals familiar with barndos, including inspectors, lenders, and real estate agents. With the right team and preparation, your dream barndominium might be closer than you think.