We spent $75,000 transforming our basement into an in-law suite for my mom. Living together works for our family, and we all save money.

Aug 29, 2026 12:29 AM - 2 hours ago 1

My family successful Maine.

We bought a location pinch my mom and spent $75,000 to renovate her in-law suite. It saves america each money. Taylor Rains/Business Insider

I ne'er thought I'd live pinch my mom again.

But successful 2024 — arsenic my hubby and I struggled to find a location successful Connecticut that we could afford, and my mom was looking for a measurement retired of Florida — I had an idea: What if the 3 of america mixed our incomes and bought a location together?

Two years later, my husband, our baby, my mom, and I each unrecorded nether 1 tile successful a 3,000-square-foot location adjacent Danbury, astir 60 miles from New York City, wherever my husband commutes to work. Connecticut is my husband's location state, and aft surviving location since 2020, we didn't want to leave.

We renovated the 900-square-foot vanished basement into an in-law suite for my mom for $75,000, and she pays $1,200 a period toward the mortgage.

It mightiness sound for illustration a look for family drama, but we've recovered surviving together easy. It's besides made homeownership — and raising a kid — importantly easier.

Buying together and renovating the basement was cheaper than surviving apart.

The entranceway to the walkout apartment.

My mom has a abstracted entranceway to her apartment. This is earlier the renewal to the outside. Taylor Rains/Business Insider

My mom, who is simply a retired national worker pinch a monthly annuity, had initially planned to bargain a abstracted location adjacent us, but we quickly realized the mathematics wouldn't activity if we wanted to unrecorded separately.

Realtor.com precocious classed Connecticut arsenic 1 of the worst states for affordability and homebuilding, pinch the median listing value astir $549,000 as of June. Plus, our options were constricted to occidental Connecticut because my hubby needs to beryllium wrong commuting region to his aviator guidelines astatine LaGuardia Airport. I activity from home.

It took a fewer months of searching — particularly since my mom wanted her suite to beryllium a walkout basement pinch windows — but we yet recovered a location that costs $725,000 successful total. We past paid for the renewal separately.

Between the 3 of us, we screen the $5,000 monthly owe payment. My husband's and my stock is only $800 much than the townhome rental we were surviving successful before.

The renewal took astir 2 months and progressive knocking down walls and adding level space.

Collage of pre-renovation photos.

The panels successful the right-side photograph utilized to beryllium perpendicular astir the beforehand door, creating a mini introduction room. Taylor Rains/Business Insider

Our contractor was a friend of a friend, and he and his squad did a awesome job. My mom had ever wanted to creation her ain abstraction — she's ever playing those interior-design games connected her iPad — and he brought her ideas to life.

First, we removed the Shoji-style panels, pictured successful the right-side photo, that had sat perpendicular astir the beforehand doorway to create a makeshift mudroom. There were hangers and tile flooring, but it trim disconnected livable space.

We besides removed the left-behind TV stand, arsenic shown successful the left-side photo, and wholly redid the ceiling, floors, and overgarment throughout.

We mixed the closet and the room and extended the room's footprint.

Before and aft pictures of the room and closet space.

Before and aft photos of the room space. Taylor Rains/Business Insider

When we moved in, the apartment's closet — seen near — was mini and narrow, akin to what you'd find successful a assemblage dorm room. It was besides situated adjacent to the kitchen, truthful we mixed them into 1 room, seen right.

First, we had to sound down immoderate walls. The room was tucked distant betwixt 2 walls, which separated it from the bath and the closet, wasting usable space.

Here's different position of the kitchen.

Before and aft photos of the kitchen.

Before and aft photos of the room area. Taylor Rains/Business Insider

The room now takes up astir half of the backmost wall, pinch an L-shaped countertop. There is besides plentifulness of retention betwixt the cabinets, shelves, and drawers, and she precocious added an island.

It's overmuch much unfastened now.

She doesn't person a dishwasher, and her appliances are small.

A pciture during the rnovation.

Here's a image during the renovation. The walls, ceiling, and floors were wholly redone. Taylor Rains/Business Insider

The room is bigger than it was erstwhile she first moved in, and it fits a refrigerator, a mini stove, a microwave, and different appliances, but it still isn't large capable for a dishwasher.

Our contractors were capable to fresh a large, heavy sink, which helps pinch dishwashing. She besides has a abstracted icemaker and a mini eating table, which are situated down the L-shaped counter. Pictured is the room area during the renovation.

The pantry is successful the laundry room.

The laundry room has a pantry and linens.

The shelves utilized to beryllium an quiet wall. Taylor Rains/Business Insider

There was not capable abstraction to adhd a pantry successful the room itself, but the laundry room astir the area had plentifulness of quiet wall abstraction for mounting shelves.

Beyond market items, the multi-purpose room besides has committee games, linens, and different various items and storage.

And the closet is now down the hall.

Renovation photos of the now longer hallway and my mom's closet.

Renovation photos of the hallway and closet. Taylor Rains/Business Insider

When we moved in, a heavy woody doorway separating the flat from the staircase starring to the remainder of the location was conscionable past the laundry room.

However, location was different 40 feet of hallway down that doorway — including a large, adjacent quiet retention room — that went unused. We decided to move that doorway back, extending her surviving abstraction and converting the retention room into a walk-in closet.

The left-side photograph shows wherever the doorway now sits; the laundry room is the first doorway connected the right, the closet is the second. She fresh her dresser and mirror, positive a bunch of shelves, hanging rods, and drawers, pinch room to spare, arsenic shown successful the photograph connected the right.

The unfastened workplace abstraction is divided into a surviving room and a bedroom.

The afloat surviving space.

The divided surviving room/bedroom, featuring Charley the feline lying connected the bed. Taylor Rains/Business Insider

The erstwhile proprietor besides had a divided space, but we flipped the layout. The beforehand doorway — which is simply a backstage entranceway from the driveway pinch its ain fastener codification — now opens into the surviving room, connected the broadside closest to the kitchen.

The chamber is connected the other extremity of the room, separated by a ample woody TV guidelines pinch cubbies and towering broadside shelves. My mom filled it pinch books and photos, making the bound betwixt the 2 rooms consciousness intentional.

And the ample TV swivels truthful she tin watch from her furniture aliases her couch. We besides added the bigger model connected the correct broadside of the photo.

The chamber area is mini but cozy.

The chamber pinch a feline connected the bed.

The furnishings has each been passed down done the family. Taylor Rains/Business Insider

The chamber is wherever the erstwhile proprietor had the surviving room. There is simply a brace of windows to spot outside, and she has her ain aerial conditioning unit. She has besides group up her Alexa to power the different lamps astir the apartment.

Next to the chamber are the eating table, which tin beryllium expanded for guests, and her desk.

The size of the bathroom, pictured earlier the renovation, was doubled.

Before the renovation, the ablution was hardly large capable to guidelines in, and the tiling and flooring needed work.

Before image of the bathroom. Taylor Rains/Business Insider

The bathroom, situated connected the different broadside of the wall from the kitchen, utilized to beryllium very small.

Before the renovation, the ablution was hardly large capable to guidelines in, and the tiling and flooring needed work.

The bath now has the biggest ablution successful the full house.

The aft photos for my mom's bathroom.

The aft photos for the bathroom. Taylor Rains/Business Insider

The bath was extended into the abstraction wherever the original room had been, and the ablution is huge.

The contractors besides expanded the antagonistic space, added much storage, painted the walls white, and replaced the level pinch nicer tiles.

Outside, the contractors built what we telephone a "catio" for my mom's 2 cats.

A collage of the catio.

Sidney the feline utilized to walk astir of his clip outside. Taylor Rains/Business Insider

One of those cats, Sidney, successful the photograph connected the right, has since died, but my mom's 18-year-old cat, Charley, enjoys sitting extracurricular and watching the birds.

She tin entree the catio via a pet doorway from the surviving room; it besides has a quality doorway from the outside.

She besides has her ain structure and garage.

My mom's patio.

She has a postulation of mermaid art. Taylor Rains/Business Insider

The structure has outdoor furnishings and tables, and she spends clip sitting extracurricular reference aliases playing pinch my son.

She has besides claimed 1 of the 2 car shed spots, which is simply a short locomotion from her beforehand door. She doesn't person to spell done the location to travel and go, and I seldom announcement erstwhile she leaves.

We hardly bought immoderate caller furnishings for the suite.

The surviving room.

The feline doorway is successful the surviving room. Taylor Rains/Business Insider

Besides the TV stand, island, and bath storage, my mom didn't bargain immoderate caller furniture.

The structure furniture, couch, java table, broadside tables, lamps, bed, room table, dresser, china cabinet, and table were each moved up from Florida.

After the renewal was done, we hired a master organizer to unload and shape each her moving boxes.

The backsplash and shelves successful my mom's kitchen.

She has a mini but well-organized kitchen. Taylor Rains/Business Insider

My mom moved successful June 2024 and stayed successful the main location until November that year, erstwhile the workplace was finished. We started the task successful September 2024.

That meant she still had dozens of boxes afloat of worldly — and it was overwhelming trying to fig retired what would enactment and what would spell into storage.

Our contractor referred america to a professional organizer to help. She charged astir $4,000 to spell done complete 20 moving boxes and shape each item. This progressive buying each the integrative containers needed for my mom's lifelong belongings, and readying precisely wherever each 1 would spell and what it would hold.

It took a fewer days, but yet my mom's kitchen, closet, bathroom, and pantry were each stocked and organized successful branded bins. The remainder of her worldly was either thrown distant aliases neatly organized into bins and put successful our attic. The $4,000 was easy worthy it.

All the walls were repainted, and she dressed up the abstraction pinch creation and recreation memorabilia.

Inside the renovated successful rule suite.

There is an unfastened abstraction betwixt the chamber and bathroom, wherever an expandable eating array sits. Taylor Rains/Business Insider

Among my mom's items were family paintings passed down done the generations, arsenic good arsenic years' worthy of creation from our travels.

She has complete a twelve beverage towels from different countries, arsenic good arsenic a rug from Egypt, a broadside array from India, wall sculptures from South Africa, and respective smaller figurines from trips to Italy, Peru, and Greece.

She hired personification to hang each the art to make judge it was level and stable. The creation brings the full abstraction together.

Living pinch my mom has been amended than expected.

my mom and boy successful NYC.

My mom enjoys going to New York City. We took my boy to the Top of the Rock past Christmas. Taylor Rains/Business Insider

My mom raised maine — an only kid — arsenic a azygous mom, and we've ever been close. Now, surviving together intends she gets to walk a batch of time pinch my son, and I person family astir erstwhile my hose aviator hubby is distant for work.

She and my hubby person besides developed a awesome relationship. She loves cooking for the family, and we often person crippled nights together.

At the aforesaid time, we each person our ain space. Her flat is wholly abstracted from the remainder of the house, which gives america the champion of some worlds: we're adjacent capable to bask each other's company, without ever emotion for illustration we're connected apical of each other.

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