Does a finished basement count as square footage in Missouri?

Author: Kristoffer Padberg  |  Last update: Saturday, September 27, 2025

How Do Appraisals Consider Basement Square Footage? Generally, appraisers and listing agents don't count a basement toward the overall square footage of a home. Most appraisers will never count a basement if it's below grade, meaning it is beneath ground level.

Does finished basement count in square footage?

As a general rule of thumb, listing agents and appraisers don't count a finished basement toward the overall square footage, especially if the basement is completely below grade—a term that means below ground level. Whether an appraiser includes basement living space ultimately depends on which state you live in.

What does a basement need to be considered living space?

When is a basement considered living space boils down to the layout of your home, if the basement is finished and matches the flow of the above-ground portion of the home, and if enough of the basement was built out of the ground. A house built into a hill will probably be an exception.

Does Zillow square footage include finished basement?

Usually, at least from what I have seen, they include the basement finished square footage in their finished square footage estimates.

Is a house with a finished basement considered two story?

In California a basement does not count as a floor (story) in a building. It also does not count in the living square footage of the property. So, if you have a 1000 square foot house without stairs going up that has a full-size basement (1000 square foot basement). It would be a single story 1000 square foot home.

Does a Basement Count in the Square Footage of a Home?

What counts as a fully finished basement?

For a basement to qualify as finished, the whole level has to be complete, in a manner resembling the upstairs living areas. In short, it needs to have an accessible entryway, level ceiling, the walls framed, an electrical system wired in, an HVAC system installed, and other works like plumbing and flooring completed.

What is included in the square footage of a house?

This includes bedrooms (and closets), bathrooms, hallways, a kitchen, living areas, enclosed patios, and finished attics. Unfinished areas, screened or open patios, vaulted rooms, and airspaces are not factored into a home's square footage.

How do appraisers value finished basements?

Below-grade living space is worth about half that of above-grade living space. So, if the price per square foot in your area is $150, your basement price per square foot would be $75. Appraisers may also calculate the price per square foot for the entire home, then divide it by the gross living area.

How is square footage calculated in a two story house?

Calculating the square footage of your property involves measuring the length and width of each living area, and then multiplying these figures together to get the area in square feet. This process should be repeated for all rooms or sections of the house, and the results summed up to get the total square footage.

Does a 4 season room count as square footage?

A 4-season porch (also known as an all season room or sun room) is a room that functions as an interior room, but allows you to take in the views of the outdoors year-round. It has permanent heat and is included in the finished square footage of the home.

What is considered a finished basement for insurance purposes?

In order for a basement to be considered finished, it must have a permanently installed heating and cooling unit with a continuous power source (such as an HVAC system, electricity, natural gas, a permanently installed propane tank, or heating oil).

What are the three types of basements?

4 Main Basement Types
  • Partial Basement. A partial basement doesn't extend to the full footprint of the house. ...
  • Full Basement. Of all the types of basements, a full basement is the most common. ...
  • Walkout Basement. This type of basement is designed so you can walk out through a door that's on the lower level. ...
  • Storm Shelters.

Does a finished basement increase home value?

In the US, finishing a basement will give you a return of 70 to 75% of your investment. That means if you spend $10,000 on improvements, the value of your property will increase by about $7,000. Although you may not recoup 100 percent of your expenses, that's a good return on investment for most home sellers.

Can a finished basement count as a bedroom?

A room in the basement cannot be considered a bedroom unless it meets specific qualifications and codes. In order for a room in the basement to be counted as a bedroom, it often needs to meet the following basement bedroom requirements: A legal window (egress window) 7-foot-tall ceilings.

What is the difference between total square footage and living square footage?

Living square feet includes all of the air conditioned living area. Total square feet includes living square feet + porch + outdoor area + garage.

Do you include basement in square footage for HVAC?

Is It Important to Consider the Basement of the House When Buying a Furnace? Regardless of how frequently you use the basement, it is necessary to include it in the total square footage of your property.

Is a basement counted in square footage?

Generally, appraisers and listing agents don't count a basement toward the overall square footage of a home. Most appraisers will never count a basement if it's below grade, meaning it is beneath ground level. Whether appraisers count a basement depends on where you live.

Does square footage include basement on Zillow?

Basements generally are not included in square footage, with a few exceptions for finished basements based on local law.

Are laundry rooms included in square footage?

Yes! Square footage commonly includes built-in closets, storage rooms, and utility areas like laundry rooms or dedicated storage closets. These spaces contribute to the overall livability and functionality of the house.

How do I calculate the value of my finished basement?

The appraised value of the finished basement space is generally 50% to 60% of the value of the above-grade square footage. To maximize the cost/value ratio, market experts recommend keeping the basement budget below 10% of the existing home's value.

Does a finished basement increase property tax?

As a basic rule of thumb, if your project includes any new construction, additional square footage of living space or large-scale home upgrades will lead to property tax increases.

Does a bathroom in the basement count?

By excluding basement rooms from the count, appraisers ensure they're comparing apples to apples. While basement bedrooms, bathrooms, and other finished spaces are not included in the official room count, they do contribute to your home's value in a separate section of the appraisal.

What is not considered square footage in a house?

In general, staircases and closets count as finished square footage, while spaces like garages, three-season porches and unfinished basements or attics are not included.

Who is responsible for verifying square footage in a home?

In general, it's on the buyer to verify the square footage of a home that they're interested in purchasing.

Does a covered porch count as square footage?

It should be the footprint of the house, on the outside, that is measured. It is the livable space, heated and cooled, that is considered for square footage. Garages, decks, patios, porches, and the like are not considered part of that measurement.

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